Lower Your 1996 Toyota Land Cruiser Car Insurance Rates

Looking for the cheapest insurance rates for your Toyota Land Cruiser? Have you had enough of not being able to afford to insure your Toyota every month? You are no different than many other consumers. Big companies like Allstate and Progressive constantly bombard you with catchy ads and it is difficult to avoid their marketing magic and effectively compare rates to find the best deal.

It’s important to do rate comparisons at least once a year because insurance rates fluctuate regularly. Despite the fact that you may have had the best price on Land Cruiser insurance a couple years back you can probably find a lower rate today. There is a lot of bad information regarding insurance online, so I’m going to show you a lot of great tips on how to find affordable insurance.

Discounts are available to cut your rates

Companies don’t always advertise all their discounts very well, so we took the time to find both well-publicized and the more hidden ways to save on insurance coverage. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Good Student – This discount can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Driver Safety – Successfully completing a driver safety course could save 5% or more if your company offers it.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same company you will save up to 20% off your total premium.
  • Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
  • Claim Free – Drivers with accident-free driving histories pay less as compared to frequent claim filers.
  • Payment Method – If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • New Vehicle Savings – Insuring a new car can cost up to 25% less due to better safety requirements for new cars.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, it doesn’t quite work that way.

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

Before buying, ask each company how you can save money. Some discounts might not be offered in your area.

The quickest method to compare policy rates is to know the fact all the major auto insurance companies actually pay money for the chance to give you rate quotes. To start a quote, the only thing you need to do is spend a couple of minutes providing details like whether you drive to work or school, if you are currently licensed, whether you are married, and if you went to college. The data gets transmitted to multiple top-rated companies and you will get price comparisons very quickly.

To compare rates now, click here and find out if you can get cheaper insurance.

Why your Toyota Land Cruiser might be costing you more

Smart consumers have a good feel for the factors that help determine auto insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that could result in lower auto insurance prices.

  • Do you know your deductibles? – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Toyota. A few examples of covered claims are a windshield shattered by a rock, damage from fire, and rolling your vehicle. Your deductibles are how much you are willing to pay out-of-pocket before your auto insurance pays a claim. The more you have to pay, the bigger discount you will receive on Land Cruiser insurance.
  • Your location is important – Living in a rural area can be a good thing when buying auto insurance. City drivers have to deal with much more traffic and longer commute times. Fewer drivers means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Claim-free discounts can add up – Insurance companies provide discounts to people who file claims infrequently. If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
  • Where do you drive? – Driving more miles in a year’s time the more you will pay for auto insurance. Most insurance companies charge to insure your cars based upon how you use the vehicle. Vehicles that are left in the garage receive lower rates than those used for commuting. If your policy improperly rates your Land Cruiser can result in significantly higher rates. Verify your auto insurance coverage properly reflects the proper vehicle usage, because improper ratings can cost you money.

Everyone needs different coverages

When it comes to buying the best insurance coverage for your vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions might help in determining if your insurance needs will benefit from professional help.

  • Can my teen drive my company car?
  • How can I get my company to pay me more for my totalled car?
  • Do I have coverage when making deliveries for my home business?
  • Who is covered when they drive my 1996 Toyota Land Cruiser?
  • Is my custom paint covered by insurance?
  • What is covered by UM/UIM coverage?
  • Where can I find DUI or SR-22 insurance?
  • Is my babysitter covered when using my vehicle?
  • How much can I save by bundling my policies?
  • What can I do if my company won’t pay a claim?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Is there deception in advertising?

Drivers can’t get away from ads for the lowest price auto insurance from the likes of Allstate, Geico and Progressive. All the companies make the same claim of big savings after switching your coverage to them.

How can each company say the same thing?

Insurance companies have a certain “appetite” for the type of customer that makes them money. An example of a driver they prefer could be between 30 and 50, insures multiple vehicles, and chooses high deductibles. A customer getting a price quote who fits that profile is entitled to the best price and is almost guaranteed to save when they switch companies.

Drivers who don’t meet the requirements must pay higher prices and this can result in business not being written. Company advertisements say “customers who switch” not “everybody who quotes” save that much money. That’s the way companies can truthfully make those claims. This illustrates why you should get a wide range of price quotes. It’s not possible to predict which insurance coverage company will have the lowest Toyota Land Cruiser insurance rates.

Coverages available on your auto insurance policy

Learning about specific coverages of your policy can be of help when determining the best coverages for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages available from auto insurance companies.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for expenses for things like funeral costs, nursing services and doctor visits. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like vandalism, hitting a deer, damage from getting keyed and theft. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Auto collision coverage

This covers damage to your Land Cruiser from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a building, driving through your garage door, sideswiping another vehicle, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Liability coverage

Liability insurance provides protection from injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability insurance covers claims such as court costs, pain and suffering and bail bonds. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Save your hard earned cash

When shopping online for insurance coverage, it’s a bad idea to skimp on coverage in order to save money. There have been many cases where drivers have reduced uninsured motorist or liability limits and discovered at claim time that the small savings ended up costing them much more. Your goal should be to buy the best coverage you can find at an affordable rate.

Budget-conscious 1996 Toyota Land Cruiser insurance can be purchased online and with local insurance agents, so compare prices from both to get a complete price analysis. Some insurance providers do not offer the ability to get a quote online and these small insurance companies work with independent agents.

More information can be read at these links: