1991 Toyota 4Runner Insurance Rates

Want the cheapest insurance coverage rates for your Toyota 4Runner? Sick and tired of robbing Peter to pay Paul to buy car insurance? You’re in the same situation as millions of other consumers.

There are many car insurance companies to pick from, and even though it’s nice to have multiple companies, it can be more difficult to compare company pricing.

Policy discounts you shouldn’t miss

Companies offering auto insurance do not list all available discounts in an easy-to-find place, so the following is a list of some of the more common as well as the least known discounts you could be receiving.

  • Safe Drivers – Safe drivers can get discounts for up to 45% lower rates for 4Runner coverage than less cautious drivers.
  • Distant Student – Kids in college who live away from home and do not have a car can be insured at a reduced rate.
  • Paperless Signup – A handful of insurance companies will discount your bill up to fifty bucks for buying your policy digitally online.
  • Auto/Home Discount – When you combine your home and auto insurance with one insurance company you will save up to 20% off your total premium.
  • No Claims – Good drivers with no accidents pay less as compared to frequent claim filers.
  • Service Members Pay Less – Being deployed with a military unit may qualify for rate reductions.
  • Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount for 4Runner coverage with certain companies.

As a disclaimer on discounts, many deductions do not apply the the whole policy. Most only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, insurance coverage companies aren’t that generous.

Insurance companies that may offer some of the above discounts are:

Before buying, ask each insurance company which discounts you may be entitled to. All car insurance discounts may not be available in your state.

Finding Auto Insurance Deals

Effectively comparing auto insurance prices can be challenging if you don’t understand the most efficient way to do it. You can waste hours driving to insurance agencies in your area, or you can utilize online quotes to get rates in a matter of minutes.

Many of the larger companies belong to an insurance system where prospective buyers enter their policy data once, and each company can provide price quotes based on that data. This saves time by eliminating quote forms for every auto insurance company.

To participate in this free quote system, click here (opens in new window).

The one disadvantage to using this type of system is that you can’t choose which companies you want to price. If you prefer to choose specific providers to compare, we have a listing of auto insurance companies in your area. Click to view list.

Which method you use is up to you, but double check that you are using the exact same coverage information on every quote. If you enter different limits and deductibles on each one then you won’t be able to determine which rate is truly the best. Quoting even small variations in limits can mean a large discrepancy in price. It’s important to know that getting more free quotes will improve the odds of getting lower pricing.

What determines your Toyota 4Runner insurance premium

An important part of buying insurance is that you know the different types of things that go into determining insurance rates. Understanding what influences your rates enables informed choices that will entitle you to lower insurance prices.

  • Lower rates with optional equipment – Choosing a vehicle with a theft deterrent system can help bring down rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
  • Protect your assets with liability insurance – Liability coverage is the protection in the event that a court rules you are at fault for damages caused by your negligence. It provides you with a defense in court up to the limits shown on your policy. Liability is cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • Frequent insurance claims increase rates – If you frequently file small claims, you can expect either higher rates or even cancellation. Car insurance companies award discounts to insureds who do not file claims often. Car insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Big city or small town – Choosing to live in less populated areas can be a good thing when it comes to insurance. City drivers tend to have much more traffic and longer commute times. Lower population means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Poor driving leads to higher costs – Your driving record has a lot to do with how much you pay for insurance. Even a single ticket can bump up the cost twenty percent or more. Drivers who don’t get tickets tend to pay less for car insurance than their less careful counterparts. Drivers who get dangerous violations such as DUI or reckless driving may be required to submit a SR-22 form with the DMV in their state in order to prevent a license revocation.
  • Being married is a good thing – Getting married can get you a discount when buying insurance. Having a significant other translates into being more mature and responsible and statistics show married drivers get in fewer accidents.

Insurance agents can help

When it comes to buying coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions might point out if you might need professional guidance.

  • Do I have coverage when using my vehicle for my home business?
  • Do I need higher collision deductibles?
  • Am I covered if my car is in a flood?
  • Does my insurance cover a custom paint job?
  • Will I lose any money if I cancel my policy before it expires?
  • Can my teen driver be rated on a liability-only vehicle?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is a blown tire covered by insurance?
  • Should I put collision coverage on all my vehicles?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Specific coverage details

Knowing the specifics of insurance can help you determine which coverages you need for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverages found on the average insurance policy.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as EMT expenses, doctor visits, hospital visits, nursing services and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sideswiping another vehicle, backing into a parked car and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive coverage – This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as rock chips in glass, fire damage, theft, damage from flooding and hail damage. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability – This provides protection from damage or injury you incur to people or other property in an accident. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like structural damage, repair costs for stationary objects, loss of income and legal defense fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Toyota 4Runner.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Save your hard earned cash

We just covered many ways to reduce 1991 Toyota 4Runner insurance prices online. The key concept to understand is the more companies you get rates for, the higher your chance of finding lower rates. You may be surprised to find that the biggest savings come from some of the lesser-known companies. These companies may only write in your state and offer lower rates compared to the large companies like State Farm or Progressive.

When buying insurance coverage, it’s very important that you do not buy less coverage just to save a little money. In many instances, someone dropped comprehensive coverage or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy enough coverage at an affordable rate, not the least amount of coverage.

Lower-priced insurance can be found on the web and with local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers do not offer online price quotes and most of the time these small, regional companies sell through independent agents.

More information is located on the following sites: