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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 11, 2019

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Toyota RAV4 insurance
Looking for the cheapest insurance coverage rates for your Toyota RAV4? Are you sick and tired of paying out the nose to make your insurance coverage payment? Your situation is no different than many other consumers.

With so many different company options, it’s nearly impossible to pick the best insurance company.

The best way to compare car insurance company rates is to realize all the major auto insurance companies have advanced systems to compare their rates. The only thing you need to do is give the companies some data like if you went to college, the make and model of your vehicles, if the vehicle is leased, and level of coverage desired. The rating information is instantly provided to many of the top insurers and they provide comparison quotes within a short period of time.

To start a quote now, click here and find out if you can get cheaper insurance.

Tailor your insurance coverage to you

When it comes to choosing coverage for your vehicles, there is no one size fits all plan. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions may help highlight if you may require specific advice.

  • Should I put collision coverage on all my vehicles?
  • Is my ex-spouse still covered by my policy?
  • Does coverage extend to Mexico or Canada?
  • Am I covered when using my vehicle for business?
  • Am I insured when driving a different vehicle?
  • Where can I get insurance after a DUI in my state?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered if I hit a deer?

If it’s difficult to answer those questions then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area.

Insurance specifics

Understanding the coverages of insurance helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverages found on the average insurance policy.

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Liability

Liability coverage can cover damage or injury you incur to people or other property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers things such as medical expenses, loss of income, structural damage and emergency aid. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as damage to your Toyota RAV4.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Collision coverage

This coverage pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like backing into a parked car, crashing into a building, sustaining damage from a pot hole and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for expenses such as pain medications, chiropractic care, dental work and funeral costs. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hitting a bird, falling objects, fire damage, a tree branch falling on your vehicle and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

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