Cheaper 2014 Toyota Land Cruiser Car Insurance Rates

Finding low-cost insurance for a Toyota Land Cruiser can turn out to be a painful process, but you can learn a few tricks to find lower rates.

There are more efficient ways to buy auto insurance and we’ll show you the absolute fastest way to compare rates for a new or used Toyota and obtain the cheapest rates from both online companies and local agents.

It’s a good habit to get comparison quotes yearly since insurance rates are rarely the same from one policy term to another. If you had the best price on Land Cruiser insurance on your last policy other companies may now be cheaper. Forget all the misinformation about auto insurance because you’re about to learn one of the quickest ways to find the best coverage while lowering your premiums.

Shopping for affordable auto insurance coverage is easy if you know what you’re doing. If you have a policy now or are shopping for new coverage, you can learn to shop for the lowest rates while maximizing coverage. Vehicle owners only need to know the proper way to get comparison rates online.

How much can you save with discounts?

The price of auto insurance can be rather high, but companies offer discounts to cut the cost considerably. Some discounts apply automatically when you get a quote, but some must be specifically requested before you get the savings. If you’re not getting every credit available, you are paying more than you should be.

  • Theft Prevention System – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
  • Clubs and Organizations – Belonging to a civic or occupational organization could trigger savings on car insurance on Land Cruiser insurance.
  • Passive Restraint Discount – Factory air bags can receive discounts of more than 20%.
  • Safe Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates on Land Cruiser insurance than drivers with accident claims.
  • Sign Early and Save – A few companies offer discounts for switching policies before your current expiration date. It can save you around 10%.
  • Government Employees – Active or retired federal employment can earn a discount up to 10% on Land Cruiser insurance depending on your company.
  • New Car Discount – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Fewer Miles Equal More Savings – Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Student in College – Children who are attending college and don’t have a car can be insured at a reduced rate.

Drivers should understand that most discount credits are not given to the entire policy premium. Most only apply to specific coverage prices like collision or personal injury protection. So when the math indicates you could get a free car insurance policy, it just doesn’t work that way. But any discount will bring down your premiums.

Companies who might offer these benefits are:

Check with each insurance company which discounts they offer. Some discounts may not apply in your area.

Compare Car Insurance Costs

Shopping for lower car insurance rates can be challenging if you aren’t aware of the fastest way to get free quotes. You could spend the better part of a day driving to agents in your area, or you could use the internet to maximize your effort.

Most car insurance companies participate in an industry program where prospective buyers complete one form, and every company returns a competitive quote for coverage. This eliminates the need for quote forms for every car insurance company.

To find out what other companies charge for 2014 Toyota Land Cruiser insurance click here (opens in new window).

The one downside to getting quotes like this is you can’t choose the providers to get quotes from. So if you prefer to pick from a list of companies to compare, we have a listing of car insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just make darn sure you compare identical coverages for every quote you compare. If you have different values for each quote it will be next to impossible to truly determine the lowest rate.

How much car insurance do I need?

When choosing the best car insurance coverage for your personal vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight if you will benefit from professional help.

  • Am I covered when pulling a rental trailer?
  • If my pet gets injured in an accident are they covered?
  • Do I need replacement cost coverage?
  • When should I buy a commercial auto policy?
  • Can I rent a car in Mexico?
  • Can I afford to pay high deductible claims out of pocket?
  • Am I covered if I break a side mirror?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form. It’s fast, free and you can get the answers you need.

Coverages available on your auto insurance policy

Understanding the coverages of a auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive coverages

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

Comprehensive can pay for claims such as vandalism, hitting a deer, damage from flooding, hitting a bird and rock chips in glass. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for bills for X-ray expenses, chiropractic care, ambulance fees and pain medications. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision coverage protection

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as scraping a guard rail, colliding with a tree, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Liability

This coverage will cover damages or injuries you inflict on a person or their property in an accident. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as funeral expenses, emergency aid and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Toyota Land Cruiser.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Usually the UM/UIM limits are set the same as your liablity limits.

Smart shoppers get results

Drivers change insurance companies for a variety of reasons including lack of trust in their agent, high rates after DUI convictions, delays in paying claims and extreme rates for teen drivers. It doesn’t matter why you want to switch finding a great new company is actually quite simple.

The cheapest 2014 Toyota Land Cruiser insurance is definitely available on the web in addition to many insurance agents, so compare prices from both to have the best selection. There are still a few companies who do not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

As you prepare to switch companies, don’t be tempted to reduce needed coverages to save money. There have been many cases where an insured cut liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. The ultimate goal is to find the BEST coverage at a price you can afford while not skimping on critical coverages.

More tips and info about insurance coverage is available in these articles: