Do you need a better way to compare more competitive car insurance rates in Milwaukee, WI? Milwaukee consumers have a choice when looking for the best price on Toyota Rav4 insurance. You can either waste hours calling around getting price quotes or use the internet to make rate comparisons. There are more efficient ways to compare car insurance rates so you’re going to learn the proper way to get price quotes for a new or used Toyota and find the cheapest rates from both online companies and Milwaukee agents.
Smart consumers take time to do price comparisons once or twice a year because car insurance prices are constantly changing. Even if you think you had the lowest rate on Toyota Rav4 insurance in Milwaukee a couple years back there may be better deals available now. There is lot of inaccurate information about Rav4 insurance online, but in a few minutes you can learn some tested techniques to find cheap car insurance in Milwaukee.
How to buy Toyota Rav4 insurance online
The providers in the list below are ready to provide free quotes in Wisconsin. If more than one company is shown, we suggest you visit as many as you can in order to find the most affordable rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|RAV4 Sport 2WD||$84||$156||$216||$12||$64||$532||$44|
|RAV4 Sport 2WD||$112||$206||$220||$14||$66||$618||$52|
|RAV4 Limited 4WD||$170||$350||$260||$16||$78||$874||$73|
|RAV4 Limited 2WD||$112||$200||$216||$12||$64||$604||$50|
|RAV4 Limited 2WD||$154||$304||$220||$14||$66||$758||$63|
|RAV4 Limited 2WD||$86||$160||$220||$14||$66||$546||$46|
|RAV4 Limited 4WD||$84||$156||$216||$12||$64||$532||$44|
|RAV4 Sport 4WD||$112||$200||$216||$12||$64||$604||$50|
|RAV4 Sport 4WD||$174||$344||$278||$16||$84||$896||$75|
|RAV4 Limited 4WD||$198||$358||$230||$14||$68||$868||$72|
|RAV4 Limited 4WD||$172||$294||$234||$14||$70||$784||$65|
|RAV4 Limited 2WD||$136||$248||$216||$12||$64||$676||$56|
|Get Your Own Custom Quote Go|
Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Price information does not factor in the specific area where the vehicle is garaged which can impact premium rates significantly.
Drive responsibly or pay higher rates
The diagram below demonstrates how citations and at-fault accidents influence Toyota Rav4 insurance rates for different categories of driver ages. Data assumes a married female driver, full coverage, $1,000 deductibles, and no discounts are factored in.
Raise deductibles and save
The chart below illustrates how your deductible choice and can impact Toyota Rav4 insurance costs for each age group. The rates are based on a married female driver, comp and collision included, and no other discounts are factored in.
Toyota Rav4 insurance rates: Men versus women
The information below compares Toyota Rav4 insurance premiums for male and female drivers. The price estimates are based on no tickets, no at-fault accidents, full coverage, $100 deductibles, single marital status, and no discounts are factored in.
Choosing the best Rav4 insurance in Wisconsin is an important decision
Even though it can be expensive, buying car insurance may be required for several reasons.
First, the majority of states have compulsory liability insurance requirements which means the state requires a minimum amount of liability in order to be legal. In Wisconsin these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you bought your vehicle with a loan, most lenders will make it a condition of the loan that you have comprehensive coverage to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the bank may buy a policy for your Toyota at an extremely high rate and force you to pay for it.
Third, insurance safeguards not only your car but also your assets. Insurance will also pay for most medical and hospital costs for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, will also pay for a defense attorney if anyone sues you for causing an accident. If damage is caused by hail or an accident, your policy will pay to repair the damage minus the deductible amount.
The benefits of carrying adequate insurance definitely exceed the cost, particularly when you have a large claim. The average driver in Wisconsin is overpaying more than $700 annually so shop around at every policy renewal to help ensure money is not being wasted.
Get cheaper rates with these nine discounts
Some insurers don’t always publicize every policy discount very well, so we took the time to find a few of the more common and the harder-to-find ways to save on car insurance. If you do not double check each discount you qualify for, you may be paying too high a price.
- Data Collection Discounts – Insureds who allow their company to spy on vehicle usage by using a telematic data system such as State Farm’s In-Drive could save a few bucks if they have good driving habits.
- Life Insurance Discount – If the company offers life insurance, you could get a small discount if you purchase some life insurance in addition to your auto policy.
- Federal Government Employee – Being employed by or retired from a federal job may qualify for a discount when you quote Milwaukee auto insurance with some car insurance companies.
- ABS Brakes – Cars, trucks, and SUVs with ABS and/or traction control prevent accidents and will save you 10% or more on Rav4 insurance in Milwaukee.
- Multiple Vehicles – Purchasing coverage when you have more than one vehicle on a single policy can reduce the rates for all insured vehicles.
- No Charge for an Accident – Not really a discount, but certain companies may permit one accident without getting socked with a rate hike so long as you are claim-free for a specific time period.
- Low Mileage Discounts – Low mileage vehicles can earn lower premium rates due to less chance of an accident.
- Air Bag Discount – Vehicles equipped with air bags or automatic seat belts may get savings up to 30%.
- Bundle and Save – When you combine your homeowners and auto insurance with the same company you may earn up to 20% off your total Rav4 insurance premium.
Just know that most discount credits are not given to your bottom line cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that you would end up receiving a 100% discount, companies wouldn’t make money that way.
For a list of insurers that provide some of the discounts listed above in Wisconsin, click here to view.
Your situation helps dictate your coverage
Always keep in mind that when comparing a policy for your personal vehicles, there really is no “perfect” insurance plan. Your needs are unique to you.
For example, these questions might help in determining if your insurance needs might need an agent’s assistance.
- What states are considered no-fault?
- Is my custom paint covered by insurance?
- Is my camper covered for physical damage?
- Does my policy cover me when driving someone else’s vehicle?
- What if I total my Toyota Rav4 and owe more than it’s worth?
- If my car is totalled with they pay enough to replace it?
- Should I have a commercial auto policy?
If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can help protect your family.
Are insurance agencies obsolete?
Many drivers just prefer to get advice from a local agent and doing that can be a smart decision Agents can help you build your policy and help you file claims. The biggest benefit of comparing car insurance online is that you can obtain lower rates and still have a local agent.
After filling out this short form, your information is emailed to insurance agents in Milwaukee that can provide free Milwaukee auto insurance quotes for your insurance coverage. It’s much easier because you don’t need to find an agent because quoted prices will be sent directly to you. If you have a need to quote rates from a specific company, you can always search and find their rate quote page to submit a rate quote request.
Selecting an insurance company shouldn’t rely on just a cheap price. These are some questions your agent should answer.
- Are they properly licensed to sell insurance in Wisconsin?
- Is the agency active in community causes in Milwaukee?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Do they offer claims assistance after hours?
- Are they involved in claim handling?
When researching a good insurance agency, it’s important to understand the different types of agents that you can choose from. Insurance agencies in Milwaukee can either be independent (non-exclusive) or exclusive. Either can sell and service car insurance coverage, but it is important to understand the differences because it can impact the selection process.
Agents that choose to be exclusive can usually just insure with one company and examples are Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot compare other company’s rates so keep that in mind. Exclusive insurance agents are usually quite knowledgeable on sales techniques which helps them sell on service rather than price. Consumers frequently use the same exclusive agent partially due to the brand legacy rather than low price.
Shown below is a short list of exclusive insurance agents in Milwaukee that can give you price quotes.
- Allstate Insurance: Tom Hoffman
2090 Miller Park Way – West Milwaukee, WI 53219 – (414) 384-1200 – View Map
- Allstate Insurance: Alex Ferreira
3436 South 13th Street – Milwaukee, WI 53215 – (414) 672-2000 – View Map
- American Family Insurance – Dennis James
6111 W Bluemound Rd – Milwaukee, WI 53213 – (414) 259-0040 – View Map
Independent Agencies or Brokers
These type of agents often have affiliation with several companies so they can write business with many different companies and find you the best rates. If you want to switch companies, your agent can switch companies and you won’t have to switch agencies. If you are trying to find cheaper rates, you definitely need to get insurance quotes from at a minimum one independent agency to get the most accurate price comparison. They often place coverage with companies you’ve never heard of that may have much lower rates than larger companies.
Below are Milwaukee independent insurance agencies that are able to give price quote information.
- Dern and Company
10335 W Oklahoma Ave #203 – Milwaukee, WI 53227 – (414) 935-5700 – View Map
- Wesley Insurance
5600 W Center St – Milwaukee, WI 53210 – (414) 873-4500 – View Map
- Frank Medina Insurance WI
342 N Water St Ste 600 – Milwaukee, WI 53202 – (414) 877-0777 – View Map
After you get good responses to any questions you have as well as an affordable premium quote, you may have found an insurance agent that is reputable and can insure your vehicles.
Detailed coverages of your insurance policy
Understanding the coverages of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as X-ray expenses, ambulance fees, surgery and doctor visits. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage
Liability coverage can cover damage that occurs to a person or their property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/10 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $10,000 for damage to vehicles and property.
Liability can pay for things like loss of income, funeral expenses, pain and suffering and medical services. How much liability should you purchase? That is up to you, but buy as much as you can afford. Wisconsin requires drivers to carry at least 25/50/10 but you should think about purchasing higher limits.
Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims like hitting a bird, damage from a tornado or hurricane, falling objects, damage from flooding and a broken windshield. The most a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Coverage for collisions
Collision coverage will pay to fix damage to your Rav4 resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like hitting a mailbox, crashing into a building, rolling your car, sideswiping another vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible on your Rav4 to bring the cost down.
Uninsured and underinsured coverage
This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Toyota Rav4.
Because many people carry very low liability coverage limits (which is 25/50/10), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.
Cheaper insurance rates are available
We just presented many ways to compare Toyota Rav4 insurance premium rates in Milwaukee. It’s most important to understand that the more price quotes you have, the higher your chance of finding low cost Milwaukee auto insurance quotes. Consumers could even find that the best price on insurance is with a small mutual company.
Consumers leave their current company for a number of reasons such as delays in paying claims, policy non-renewal, policy cancellation and high rates after DUI convictions. Regardless of your reason for switching companies, choosing a new insurance company is actually quite simple.
Some insurance companies don’t offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents. Lower-priced insurance in Milwaukee is possible from both online companies and from local insurance agents, and you should compare rates from both to have the best rate selection.
More information can be read at these links:
- Auto Insurance 101 (About.com)
- Who Has Affordable Auto Insurance Quotes for a Ford Escape in Milwaukee? (FAQ)
- How to Avoid Staged Accidents (State Farm)
- Top Signs Your Brakes are Giving Out (State Farm)