1998 Toyota Land Cruiser Insurance Quotes

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me when I say there are many people just like you. Lots of insurers contend for your insurance dollar, so it can be very hard to choose a provider to find the cheapest price

These discounts can lower your rates

Car insurance companies do not advertise all available discounts very well, so we took the time to find both the well known and also the lesser-known auto insurance savings. If you don’t get every credit you qualify for, you are throwing money away.

  • Good Student – Getting good grades can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
  • Auto/Home Discount – When you combine your home and auto insurance with one company you may earn at least 10% off all policies.
  • Low Mileage Discounts – Keeping the miles down on your Toyota could be rewarded with lower rates on the low mileage vehicles.
  • Auto/Life Discount – Some companies give lower rates if you buy a life insurance policy as well.
  • Student Driver Training – Have your child enroll in driver’s education in high school.
  • Anti-theft System – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.

It’s important to understand that most discounts do not apply to the entire cost. A few only apply to specific coverage prices like comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck.

To see a list of insurance companies who offer auto insurance discounts, click this link.

The most recommended method to compare rates is to understand most larger insurance companies will pay a fee to quote your coverage. All you need to do is provide a little information like if you are currently licensed, how you use your vehicles, the year, make and model of vehicles, and your occupation. That rating information gets transmitted to multiple companies and they provide comparison quotes with very little delay.

These factors can influence Toyota Land Cruiser insurance rates

Consumers need to have an understanding of some of the elements that play a part in calculating your car insurance rates. Understanding what determines base rates helps enable you to make changes that can help you get big savings.

Shown below are a few of the “ingredients” that factor into your rates.

  • Add-on coverages can add up – There are a lot of extra coverages you can purchase on your Land Cruiser policy. Coverages for vanishing deductibles, better glass coverage and motor club memberships may be wasting your money. They may seem like a good idea when you first buy your policy, but if you don’t need them eliminate them to save money.
  • Credit scores impact car insurance rates – Credit rating is a important factor in your rate calculation. Consumers who have excellent credit tend to be less risk to insure than those with lower ratings. Therefore, if your credit history can use some improvement, you could save money insuring your 1998 Toyota Land Cruiser by spending a little time repairing your credit.
  • Where you live can impact rates – Choosing to live in less populated areas has it’s advantages when insuring your vehicles. Fewer people means a lower chance of having an accident and a lower car theft rate. Drivers in populated areas regularly have congested traffic and much longer commute distances. Higher commute times can result in more accidents.
  • Safer cars are cheaper to insure – Vehicles with good safety scores are cheaper to insure. Safer cars reduce injuries and fewer injuries means less money paid by your insurance company passed on to you as lower rates. If your Toyota Land Cruiser is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Traffic citations inflate rates – Even a single ticket can increase rates by twenty percent. Good drivers get better rates than bad drivers. Drivers who get serious violations such as DWI, reckless driving or hit and run convictions may be required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.
  • Being married can save on car insurance – Getting married actually saves money on car insurance. It usually means you are more mature than a single person it has been statistically shown that being married results in fewer claims.

Different people need different coverages

When it comes to buying adequate coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique so your insurance should reflect that For example, these questions could help you determine whether you will benefit from professional help.

  • Am I covered when driving in Canada or Mexico?
  • How does medical payments coverage work?
  • What can I do if my company won’t pay a claim?
  • Should I rate my 1998 Toyota Land Cruiser as pleasure use or commute?
  • Is my teen driver covered when they drive my company car?
  • Should I drop comprehensive coverage on older vehicles?
  • Does coverage extend to a rental car in a foreign country?
  • Can I afford to buy a different vehicle if my 1998 Toyota Land Cruiser is totaled?
  • Why does it cost so much to insure a teen driver?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Do drivers who switch really save $449 a year?

Consumers get pounded daily by advertisements for cheaper car insurance from the likes of Progressive, Allstate and Geico. They all make the same claim about savings if you move your coverage to them.

How do they all claim to save you money? It’s all in the numbers.

Insurance companies are able to cherry pick for the right customer that earns them a profit. An example of a driver they prefer could possibly be between 25 and 40, has no prior claims, and drives less than 7,500 miles a year. Any new insured who fits that profile receives the best rates and therefore will save when switching.

Drivers who fall outside the “perfect” profile will be charged higher rates which usually ends up with business going elsewhere. The ads state “customers who switch” but not “drivers who get quotes” save that kind of money. That’s the way insurance companies can confidently make the claims of big savings. That is why drivers must get quotes from several different companies. You cannot predict the company that will have the lowest Toyota Land Cruiser insurance rates.

The coverage is in the details

Learning about specific coverages of a auto insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages available from auto insurance companies.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like X-ray expenses, nursing services, chiropractic care and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, hitting a bird, damage from getting keyed and damage from a tornado or hurricane. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto collision coverage

Collision insurance covers damage to your Land Cruiser resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like rolling your car, sustaining damage from a pot hole and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Liability insurance

Liability insurance protects you from injuries or damage you cause to a person or their property in an accident. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for claims such as repair costs for stationary objects, emergency aid, medical services, repair bills for other people’s vehicles and structural damage. How much liability should you purchase? That is up to you, but buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your 1998 Toyota Land Cruiser.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Shop Smart and Save

We’ve covered a lot of tips how to shop for 1998 Toyota Land Cruiser insurance online. The key thing to remember is the more companies you get rates for, the higher your chance of finding lower rates. Drivers may discover the biggest savings come from an unexpected company. They may often insure only within specific states and give getter rates than their larger competitors like Allstate or State Farm.

Budget-conscious insurance is possible from both online companies and with local insurance agents, and you should be comparing both to have the best selection. Some insurance providers do not offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

Additional insurance coverage information is available below: