Insurance change for RAV?

arries289 · 12-20-2012, 10:38 AM

I was notified by my auto insurance (state farm) that they have derated the safety on my 2007 Rav from 5 star to 4 star and changed my rates accordingly. I have never heard of this happening but in wake of the multiple recalls (5, I think, and counting...) I've received maybe it is true. Curious to know if anyone else has had their Rav derated on safety?

**JuneBug** · 12-20-2012, 12:28 PM

That is strange--I haven't heard anything about this from Geico. Mine is a 2008.

Willow · 12-20-2012, 03:13 PM

07 here and nothing from my ins. comp. Not sure if they do that in Canada.

03rav4inPA · 12-20-2012, 03:34 PM

I think this is controlled/regulated by the States. I may be wrong, but I think vehicle safety rating in all states is potentially different and ever-changing. Call and get more information?

Blogson · 12-20-2012, 03:49 PM

Is State Farm basing this upon statistics which have to do with actual accidents, or is it simply an excuse to raise premium rates?

ken7012 · 12-20-2012, 05:11 PM

state farm raised my insurance 300 bucks for no reason

. i went to njm and i saved 400

lol. state farm is

.

pepepeter · 12-20-2012, 06:25 PM

Quote:

Originally Posted by JuneBug

That is strange--I haven't heard anything about this from Geico. Mine is a 2008.

same here, but geico over the past 3 years has raised my premium to nearly $100/year.. what the RAV4!?!?!?!

Blogson · 12-20-2012, 07:16 PM

Increase maybe due to misdirected and unfair fallout from this? http://money.cnn.com/2012/12/20/auto...l?hpt=hp_t3air

ravenuer · 12-20-2012, 09:22 PM

Quote:

Originally Posted by arries289

I was notified by my auto insurance (state farm) that they have derated the safety on my 2007 Rav from 5 star to 4 star and changed my rates accordingly. I have never heard of this happening but in wake of the multiple recalls (5, I think, and counting...) I've received maybe it is true. Curious to know if anyone else has had their Rav derated on safety?

How can a vehicle become "less safe" than the year in which it was manufactured? How can they change the safety regulations five years after it was built? This sounds very fishy to me. I would call your state insurance department.

focus123 · 12-21-2012, 02:45 AM

I would shop insurance company's. At one point I switched 5 times in 5 years. I now have the cheapest one possible ,if they start playing games I will move on.

12-20-2012, 10:38 AM	#1 (permalink)
arries289 Senior Member Country: Join Date: Aug 2010 Location: Central Fl Posts: 485 Thanks: 0 Thanked 5 Times in 5 Posts Feedback Score: 0 reviews	Insurance change for RAV? I was notified by my auto insurance (state farm) that they have derated the safety on my 2007 Rav from 5 star to 4 star and changed my rates accordingly. I have never heard of this happening but in wake of the multiple recalls (5, I think, and counting...) I've received maybe it is true. Curious to know if anyone else has had their Rav derated on safety? __________________ 2007 Red Limited V6 4WD w/ Tow package

12-20-2012, 12:28 PM	#2 (permalink)
JuneBug Your Humble Administrator Country: Join Date: Nov 2008 Location: Baton Rouge, LA Posts: 8,986 Thanks: 37 Thanked 629 Times in 520 Posts Feedback Score: 0 reviews	That is strange--I haven't heard anything about this from Geico. Mine is a 2008. __________________ James __________________ 2008 Limited V6 2WD "The Silver Bullet" •Tow Prep •Autodim mirror w/compass •Wade deflector •Weathertech visors •BluLogic Bluetooth •QuickLift hood struts •Auto door locks • (((XM))) radio •Homelink •Unswitched 12V outlets

12-20-2012, 03:34 PM	#4 (permalink)
03rav4inPA Advanced Member Country: Join Date: Sep 2011 Location: Fairless Hills, PA Posts: 592 Thanks: 7 Thanked 14 Times in 14 Posts Feedback Score: 0 reviews	I think this is controlled/regulated by the States. I may be wrong, but I think vehicle safety rating in all states is potentially different and ever-changing. Call and get more information? __________________ 2003 Toyota Rav4 -- 2.0 VVT-I/Auto/4WD, 85k Current Mods: Bugflector, AVS Ventvisors, Eclipse AVN30D, OEM Foglights, OEM Heated Mirrors Future Mods: OEM rear-spoiler, OEM 'Sport' hood

12-20-2012, 03:49 PM	#5 (permalink)
Blogson Advanced Member Join Date: Jun 2011 Location: Oregon coast Posts: 2,084 Thanks: 13 Thanked 99 Times in 99 Posts Feedback Score: 0 reviews	Is State Farm basing this upon statistics which have to do with actual accidents, or is it simply an excuse to raise premium rates? __________________ Jim 2011 Upgraded Base V6 4WD 2007 Kawasaki Vulcan 900 Classic LT 2002 Craftsman LT1000 V2 Jesus is Lord Last edited by Blogson; 12-20-2012 at 11:47 PM.

12-20-2012, 05:11 PM	#6 (permalink)
ken7012 Junior Member Join Date: Aug 2010 Posts: 32 Thanks: 0 Thanked 0 Times in 0 Posts Feedback Score: 0 reviews	STATE FARM state farm raised my insurance 300 bucks for no reason. i went to njm and i saved 400 lol. state farm is . __________________

12-20-2012, 03:13 PM	#3 (permalink)
Willow Senior Member Country: Join Date: Apr 2011 Location: Ottawa, ON Posts: 229 Thanks: 5 Thanked 5 Times in 4 Posts Feedback Score: 0 reviews	07 here and nothing from my ins. comp. Not sure if they do that in Canada.

12-20-2012, 07:16 PM	#8 (permalink)
Blogson Advanced Member Join Date: Jun 2011 Location: Oregon coast Posts: 2,084 Thanks: 13 Thanked 99 Times in 99 Posts Feedback Score: 0 reviews	Increase maybe due to misdirected and unfair fallout from this? http://money.cnn.com/2012/12/20/auto...l?hpt=hp_t3air __________________ Jim 2011 Upgraded Base V6 4WD 2007 Kawasaki Vulcan 900 Classic LT 2002 Craftsman LT1000 V2 Jesus is Lord Last edited by Blogson; 12-20-2012 at 11:39 PM.

12-21-2012, 02:45 AM	#10 (permalink)
focus123 Senior Member Join Date: Nov 2009 Location: Warminster,Pa Posts: 497 Thanks: 1 Thanked 9 Times in 9 Posts Feedback Score: 0 reviews	I would shop insurance company's. At one point I switched 5 times in 5 years. I now have the cheapest one possible ,if they start playing games I will move on.

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