1997 Toyota 4Runner Insurance Rates – 9 Ways to Save

Looking for cheaper insurance coverage rates for your Toyota 4Runner? Nobody cherishes buying insurance coverage, particularly when their premiums are too high.

Drivers have multiple insurers to choose from, and although it’s a good thing to have a selection, so many choices can make it hard to find the lowest cost provider.

Cut your insurance coverage rates with these nine discounts

Insurance can cost an arm and a leg, but there could be available discounts that you may not know about. Certain discounts will be applied at the time you complete a quote, but some may not be applied and must be inquired about prior to getting the savings.

  • Drivers Ed for Students – Require your teen driver to complete a driver education course in school.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Homeowners Savings – Simply owning a home may trigger a insurance coverage policy discount because owning a home requires personal responsibility.
  • Save with a New Car – Insuring a new car can cost up to 25% less since new cars are generally safer.
  • Claim Free – Drivers who don’t have accidents can earn big discounts when compared with bad drivers.
  • Discount for Swiching Early – Select companies give a discount for switching to them before your current expiration date. The savings is around 10%.
  • Accident Forgiveness – Certain companies will allow you to have one accident without raising rates if your claims history is clear for a set time period.
  • Good Student – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Multiple Cars – Buying coverage for all your vehicles on one policy could earn a price break for each car.

Drivers should understand that most credits do not apply to your bottom line cost. Most cut individual premiums such as comprehensive or collision. So when it seems like you can get free auto insurance, it just doesn’t work that way. But any discount will bring down your premiums.

Insurance companies that may have some of the above discounts may include but are not limited to:

Double check with every prospective company which discounts they offer. Some discounts might not apply in your area.

Vehicle Insurance Comparison

There are a lot of ways to compare insurance quotes, but some are less time-consuming than others. You can spend your afternoon discussing policy coverages with agents in your area, or you could save time and use the internet for quick rates.

Many of the larger companies take part in a program that enables customers to submit one quote, and at least one company can provide price quotes. This prevents consumers from doing repetitive form submissions to each company.

To compare 1997 Toyota 4Runner rates now click here to open in new window.

The only downside to using this type of form is you cannot specify the providers to receive prices from. So if you want to select from a list of companies to compare, we have a listing of the cheapest insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, be sure to compare identical coverage limits and deductibles on every quote you get. If you use higher or lower deductibles you can’t possibly decipher which rate is best. Slightly different insurance coverages can mean a large discrepancy in price. And when quoting insurance, remember that getting more free quotes will increase your chances of finding a lower rate.

You are unique and your car insurance should be too

When choosing proper insurance coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions may help highlight whether you might need an agent’s assistance.

  • Is my ex-spouse still covered by my policy?
  • When would I need additional glass coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I have coverage when pulling a U-Haul trailer?
  • Will I lose any money if I cancel my policy before it expires?
  • How high should my medical payments coverage be?
  • Am I covered if I break a side mirror?
  • Where can I get insurance after a DUI in my state?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Can you really save $459 a year?

Companies like Progressive, Allstate and Geico regularly use ads on television and other media. All the ads make an identical promise that you can save if you move your policy. How do they all make almost identical claims?

All the different companies have a certain “appetite” for the right customer they prefer to insure. For example, a profitable customer could possibly be over the age of 50, is a homeowner, and drives less than 7,500 miles a year. Any new insured that hits that “sweet spot” will get the preferred rates and most likely will pay quite a bit less when switching companies.

Potential customers who don’t qualify for the “perfect” profile will be quoted more money and ends up with the driver buying from a lower-cost company. Company advertisements say “drivers who switch” not “everyone that quotes” save money. This is how companies can truthfully make those claims.

This emphasizes why drivers should get as many quotes as possible. It’s just too difficult to predict which company will provide you with the cheapest Toyota 4Runner insurance rates.

Information about specific coverages

Having a good grasp of auto insurance can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types available from auto insurance companies.

Coverage for medical payments – Med pay and PIP coverage provide coverage for bills for doctor visits, nursing services, pain medications, chiropractic care and surgery. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision coverage – Collision insurance pays for damage to your 4Runner from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like rolling your car, scraping a guard rail, damaging your car on a curb, colliding with another moving vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Liability car insurance – This can cover damage or injury you incur to other people or property. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like medical expenses, repair bills for other people’s vehicles, attorney fees and court costs. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your 1997 Toyota 4Runner.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Usually these limits do not exceed the liability coverage limits.

Comprehensive coverages – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like theft, fire damage and a broken windshield. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Make an honest buck

We’ve covered many tips how you can save on 1997 Toyota 4Runner insurance. It’s most important to understand that the more quotes you get, the higher your chance of finding lower rates. You may even find the lowest premiums are with a smaller regional carrier. These companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm, Geico and Nationwide.

While you’re price shopping online, it’s a bad idea to buy poor coverage just to save money. Too many times, an accident victim reduced liability coverage limits only to discover later they didn’t purchase enough coverage. The aim is to buy enough coverage at an affordable rate, not the least amount of coverage.

Low-cost insurance can be purchased from both online companies and with local insurance agents, so you should be comparing quotes from both to have the best rate selection. A few companies do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.

More information can be found on the following sites: