2017 Toyota Land Cruiser Car Insurance Cost – 10 Tips for Best Prices

If you are new to online price comparisons, you can be baffled due to the large selection of insurance providers that all say they have the best rates.

Consumers should take time to price shop coverage as often as possible since prices change regularly. Just because you found the best price on Land Cruiser insurance at your last renewal the chances are good that you can find a lower rate quote today. Ignore everything you know about insurance because you’re about to learn how to quote online to find better coverage at a better price.

Car insurance discounts help lower rates

Some providers don’t always advertise all possible discounts very well, so the list below gives a summary of both the well known and also the more inconspicuous discounts that you may qualify for.

  • Good Student Discount – A discount for being a good student can earn a discount of 20% or more. The discount lasts up to age 25.
  • Pay Early and Save – By making one initial payment rather than paying monthly you can actually save on your bill.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Toyota can qualify you for lower car insurancerates due to less chance of an accident.
  • Discount for Home Ownership – Just being a homeowner can earn you a little savings because of the fact that having a home means you have a higher level of financial diligence.
  • Distant Student Discount – Kids who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle can be insured at a reduced rate.
  • Discounts for Safe Drivers – Accident-free drivers could pay up to 40% less on Land Cruiser insurance than drivers with accidents.
  • No Charge for an Accident – Not necessarily a discount, but a handful of insurance companies will let one accident slide without the usual rate increase with the catch being you have to be claim-free prior to the accident.
  • Safety Course Discount – Passing a course in driver safety can save you 5% or more and easily recoup the cost of the course.
  • Federal Employees – Active or former government employment may qualify for a discount when you quote auto insurance on Land Cruiser insurance with a few car insurance companies.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt can save a little on the medical payments or PIP coverage costs.

It’s important to note that some credits don’t apply the the whole policy. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it appears you can get free auto insurance, insurance companies wouldn’t stay in business.

A partial list of companies who may offer these discounts may include but are not limited to:

If you need the cheapest auto insurance quotes, ask every company the best way to save money. Some discounts might not be offered in your area. For a list of providers that can offer you the previously mentioned discounts, click this link.

How to lower your insurance coverage cost

Most larger insurance companies provide prices from their websites. Comparing prices online is fairly simple because it’s just a matter of typing in the amount of coverage you want into the quote form. After you submit the form the company’s rating system makes automated requests for information on your driving record and credit history and provides a quote based on these factors.

Online price estimates simplifies rate comparisons, but the work required to visit several different sites and enter the same data into a form is monotonous and tiresome. But it’s absolutely necessary to do this if you are searching for the lowest price.

Keep reading for an easier way to compare prices

A more efficient way to find cheaper rates utilizes a single form to get prices from more than one company. It’s a real time-saver, eliminates repetitive work, and makes rate comparisons much simpler. Immediately after submitting the form, it is quoted with multiple companies and you can pick any one of the quotes that you receive.

If the quotes result in lower rates, you can click and sign and purchase the new policy. This process only takes a few minutes and you will find out if you’re overpaying now.

In order to find out if lower rates are available, simply click here to open in new window and input your coverage information. If you currently have coverage, we recommend you duplicate coverages and limits exactly as they are listed on your policy. This ensures you will be getting rate comparison quotes using the exact same coverages.

Which is the best insurance coverage?

When choosing the best insurance coverage coverage for your personal vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.

For example, these questions might point out whether your personal situation may require specific advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • Are split liability limits better than a combined single limit?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does my policy cover my teen driver if they drive my company car?
  • What is medical payments coverage?
  • Should I have a commercial auto policy?
  • Do I need special endorsements for business use of my vehicle?
  • Which companies will insure high-risk drivers?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Don’t be fooled by advertising claims

Popular insurance coverage providers such as State Farm and Allstate constantly bombard you with ads on TV and radio. All the companies say the same thing of big savings if you switch your insurance coverage coverage to their company. How is it possible that every company can charge less that you’re paying now?

Insurance coverage companies give the cheapest rates for a prospective insured that will not have excessive claims. An example of a desirable risk might have to be between the ages of 30 and 50, has other policies, and does not commute to work. Any driver that matches those criteria is entitled to the best price and therefore will save money with a new company.

Consumers who do not match this ideal profile must pay a higher rate which usually ends up with the prospect going elsewhere. The trick is to say “customers that switch” but not “all drivers who get quotes” save that much when switching. That is how companies can make those statements.

This emphasizes why it is so important to quote coverage with many companies. It’s not possible to predict the company that will have better prices than you’re paying now.

Insurance coverages 101

Learning about specific coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Uninsured or underinsured coverage

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive protection

This covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, theft, damage from getting keyed, hitting a bird and damage from flooding. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills for rehabilitation expenses, ambulance fees, prosthetic devices, X-ray expenses and hospital visits. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Collision coverage

Collision insurance pays for damage to your Land Cruiser caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like colliding with a tree, backing into a parked car, damaging your car on a curb, driving through your garage door and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Liability

This can cover damage or injury you incur to people or other property that is your fault. It consists of 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 total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like pain and suffering, medical expenses, repair costs for stationary objects and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

What is YOUR best insurance company?

We’ve covered a lot of tips how to save on 2017 Toyota Land Cruiser insurance. The most important thing to understand is the more times you quote, the better likelihood of getting cheaper auto insurance. You may even find the best car insurance rates are with a small mutual company.

As you quote auto insurance, it’s not a good idea to skimp on coverage in order to save money. In too many instances, an insured cut uninsured motorist or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase plenty of coverage for the lowest cost but still have enough coverage for asset protection.

Lower-priced 2017 Toyota Land Cruiser insurance can be found online and also from your neighborhood agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance coverage companies do not offer rate quotes online and many times these smaller providers provide coverage only through local independent agents.

More detailed insurance coverage information can be read in the articles below: