2000 Toyota Land Cruiser Car Insurance Rates – 5 Tips for Cheaper Quotes

Trying to find better insurance rates? Buyers have many options when searching for affordable Toyota Land Cruiser insurance. They can either spend hours calling around getting price quotes or utilize the internet to compare rates.

There are more efficient ways to find insurance online so we’re going to tell you the proper way to get price quotes on a Toyota and obtain the lowest price from both online companies and local agents.

Discounts on Toyota Land Cruiser insurance

Properly insuring your vehicles can get expensive, but there could be available discounts to help offset the cost. Certain discounts will be triggered automatically when you get a quote, but less common discounts must be asked for prior to receiving the credit. If they aren’t giving you every credit possible, you are throwing money away.

  • Sign Online – A few companies will discount your bill up to fifty bucks simply for signing online.
  • Senior Discount – If you’re over the age of 55, you may qualify for better auto insurance rates for Land Cruiser insurance.
  • Air Bag Discount – Factory air bags or automatic seat belts can qualify for discounts of more than 20%.
  • Anti-theft System – Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.

It’s important to note that some of the credits will not apply the the whole policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, companies don’t profit that way. Any qualifying discounts will cut the amount you have to pay.

Companies that may have some of the above discounts include:

Double check with each insurance company how you can save money. Some discounts may not apply in your area.

Auto Insurance Comparisons

There are a lot of ways you can shop for auto insurance but one way is less time-consuming than others. You could spend the better part of a day discussing policy coverages with agents in your area, or you can stay home and use online quoting to get pricing more quickly.

All the larger companies belong to a marketplace where prospective buyers only type in their quote data once, and each company provides a quote based on that data. This saves time by eliminating quotation requests to each individual auto insurance company.

To compare pricing click here (opens in new window).

The only drawback to getting quotes like this is you don’t know exactly the providers to get pricing from. So if you want to choose individual companies for rate comparison, we have a page of auto insurance companies in your area. Click to view list.

However you get your quotes, ensure you’re using apples-to-apples coverages and limits with each company. If you enter mixed coverages it’s impossible to determine the lowest rate for your Toyota Land Cruiser.

Tailor your coverage to you

When buying coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions may help highlight if you may require specific advice.

  • What if I total my 2000 Toyota Land Cruiser and owe more than it’s worth?
  • Do I need special endorsements for business use of my vehicle?
  • Is my teen driver covered when they drive my company car?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I have coverage if my license is suspended?
  • What if I don’t agree with a claim settlement offer?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form. It is quick, free and can help protect your family.

Auto insurance coverage information

Learning about specific coverages of your policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like nursing services, doctor visits and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

UM/UIM Coverage

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2000 Toyota Land Cruiser.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as sustaining damage from a pot hole, hitting a parking meter, crashing into a ditch, backing into a parked car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hail damage, rock chips in glass and vandalism. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability

Liability coverage will cover damages or injuries you inflict on people or other property that is your fault. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as repair costs for stationary objects, attorney fees, medical expenses and emergency aid. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Be a Smart Shopper

Consumers change insurance companies for a number of reasons such as not issuing a premium refund, lack of trust in their agent, an unsatisfactory settlement offer and even poor customer service. It doesn’t matter what your reason, switching companies can be less work than you think.

The cheapest 2000 Toyota Land Cruiser insurance is possible on the web in addition to many insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies do not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

While you’re price shopping online, you should never skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice full coverage only to regret that it was a big error on their part. Your strategy should be to buy enough coverage for the lowest price, not the least amount of coverage.

Additional insurance coverage information is available below: