2014 Toyota 4Runner Car Insurance Cost

Looking for better insurance rates for your Toyota 4Runner? Finding better insurance prices for your Toyota 4Runner can normally be difficult, but you can use the following methods to save time.

There is a better way to compare insurance rates and we’ll show you the best way to get price quotes on a Toyota and find the best price possible from local insurance agents and online providers.

Automobile Insurance Quotes

Getting a cheaper price on 2014 Toyota 4Runner insurance is a fairly straight forward process. The only thing you need to do is spend a few minutes on the computer to compare rate quotes from different insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

The fastest way to get quotes is to use a rate comparison form (click to open form in new window). This type of form eliminates the need for boring form submissions to each individual insurance company. One form submission gets rate comparisons from several companies. Just one form and you’re done.

Another way to compare rate quotes requires visiting each individual company website and request a quote. For sake of this example, let’s say you want rates from Auto-Owners, State Farm and Farmers. To find out each rate you need to go to every website and enter your policy data, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.

The least efficient way to compare rates is to spend time driving to and from local insurance agencies. The internet makes this process obsolete unless you want the professional advice of a local agent. However, consumers can get the lowest quotes online but buy from a local insurance agent.

Which method you use is up to you, but double check that you are using the exact same quote information with each company. If each company quotes different values for each quote it’s not possible to decipher which rate is best.

Tailor your coverage to you

When it comes to choosing adequate coverage, there really is no perfect coverage plan. Everyone’s needs are different.

Here are some questions about coverages that may help you determine whether or not you would benefit from an agent’s advice.

  • How much liability insurance is required?
  • What companies insure drivers after a DUI or DWI?
  • Is upholstery damage covered by car insurance?
  • What is roadside assistance coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • I don’t drive much so do I pay less?
  • Should I buy additional glass protection?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and may give you better protection.

The coverage is in the details

Knowing the specifics of your car insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Liability coverages

This coverage can cover damage or injury you incur to other’s property or people. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like funeral expenses, structural damage, medical expenses and legal defense fees. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Comprehensive protection

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from flooding, theft and hitting a bird. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured or underinsured 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 injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Medical expense coverage

Med pay and PIP coverage reimburse you for bills like nursing services, rehabilitation expenses, pain medications and doctor visits. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like sideswiping another vehicle, driving through your garage door, colliding with a tree, colliding with another moving vehicle and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.