1996 Toyota 4Runner Insurance Rates – 5 Discounts for Cheaper Quotes

I can’t think of a single person who gets a kick out of paying for insurance coverage, especially knowing the cost is way too high.

Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate constantly bombard you with catchy ads and it can be hard to not get sucked in by the cute commercials and do the work needed to find the best deal.

Earn discounts to get lower-cost insurance rates

Not many people think insurance is cheap, but you might be missing out on some discounts to help offset the cost. Certain credits will be shown at the time of purchase, but some discounts are required to be manually applied prior to receiving the credit.

  • Membership in Organizations – Belonging to specific professional or occupational memberships or organizations could earn you a nice discount on your next renewal.
  • Passive Restraints and Air Bags – Factory air bags may get savings of up to 25% or more.
  • Pay Now and Pay Less – If you can afford to pay the entire bill as opposed to paying monthly you can actually save on your bill.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle up can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Multi-car Discount – Insuring several vehicles with one company may reduce the rate for each vehicle.

Discounts save money, but please remember that most discount credits are not given to the overall cost of the policy. Most cut the cost of specific coverages such as comp or med pay. So despite the fact that it appears it’s possible to get free car insurance, it’s just not the way it works.

If you would like to choose from a list of insurance companies that offer the discounts shown above, click this link.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions might point out whether your personal situation would benefit from professional advice.

  • Is my Toyota 4Runner covered if I use it for business?
  • Will filing a claim cost me more?
  • Will my rates increase for filing one claim?
  • What are the financial responsibility laws in my state?
  • Am I covered when driving a rental car?
  • How many claims can I have before being cancelled?
  • Is my camper covered by my car insurance policy?
  • I have a DUI can I still get coverage?

If you don’t know the answers to these questions, you might consider talking to an agent. If you don’t have a local agent, complete this form or click here for a list of insurance coverage companies in your area.

What auto insurance coverages do you need?

Understanding the coverages of auto insurance can be of help when determining appropriate coverage for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most auto insurance policies.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Toyota 4Runner.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverages – Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hitting a bird, rock chips in glass and damage from flooding. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto liability insurance – This coverage protects you from damage or injury you incur to people or other property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims like medical expenses, pain and suffering, repair costs for stationary objects and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Collision coverages – This pays for damage to your 4Runner from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as crashing into a building, crashing into a ditch and rolling your car. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for bills such as X-ray expenses, doctor visits, ambulance fees and surgery. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Spend less. Save more.

As you go through the steps to switch your coverage, don’t be tempted to buy less coverage just to save a little money. In many cases, drivers have reduced full coverage only to regret that the savings was not a smart move. Your objective should be to buy a smart amount of coverage for the lowest cost while still protecting your assets.

There are still a few companies who do not offer rates over the internet and these small, regional companies provide coverage only through independent agencies. The cheapest 1996 Toyota 4Runner insurance is definitely available on the web as well as from insurance agents, and you should compare price quotes from both to have the best rate selection.

More information can be read at these links:

Comments About 1996 Toyota 4Runner Insurance

  1. Almeta Cunningham

    I live in a small town just outside of Rutland, VT. Quoted a bunch of companies. Saved roughly $20 a month. Progressive was the most affordable for me. I have a teen driver too. They offer free online rate quotes.

  2. Reginald Daniel

    I live in a small town just outside of Cedar Rapids, IA. Received quotes from Auto-Owners, Safeco, and some smaller one I can’t remember the name of for my 4Runner and am saving around $60 a year. Was with GMAC. Bought it from an online quote. Not worth enough to pay for comprehensive and collision.

  3. Chang Bishop

    From west side of Oklahoma City, OK. Quoted with Progressive, AIG Insurance, and Eastwood for my 1996 Toyota 4Runner and am saving around $70 a year. Book value doesn’t justify full coverage anymore.

  4. Lemuel Jimenez

    In Evansville, Indiana, Auto-Owners had the best rates for my 1996 Toyota 4Runner. I get multi-vehicle and multi-policy discounts. Full coverage costs too much.

  5. Armida Noel

    I got quite a few price quotes for a 1996 Toyota 4Runner in Lincoln, NE. Ended up at about $90 every six months with AIG Insurance. Even increased coverage a bit. Are quotes cheaper online?

  6. Shannon Hanson

    I found pretty cheap rate quotes for a 1996 Toyota 4Runner in Jacksonville, FL. Ended up at roughly $110 every six months with American Family. Left Hartford to switch.

  7. Shirleen Solis

    I’m in the suburbs of Lewiston, ME. I got free rates from State Farm, Encompass, and The General for my Toyota and I think I saved around $20 each month. I get multi-vehicle and multi-policy discounts. Liability only on my Toyota.

  8. Andera Patterson

    Nice post. Located in Charleston, SC. I quoted with MetLife, Erie, 21st Century, and American Family for my Toyota and saved $63 a year. Was with AAA. It’s only liability tho.

  9. Pamala Harrington

    Cheapest quote for my 1996 Toyota 4Runner was with Eastwood. Book value doesn’t justify full coverage anymore.

  10. Susanne Buckner

    If you’re a decent driver and live near Mobile, AL, check out Allstate. You might save some money. It’s only liability tho.

  11. Gabriel Schmidt

    Is GEICO or State Farm cheaper in Augusta, GA?

  12. Donte Larson

    I got decent rates for a 1996 Toyota 4Runner in Anchorage, AK. Ended up at right around $80 every six months with AAA. Did it all online.

  13. Julio Alexander

    Will 21st Century insure with a DUI in Lexington, Kentucky?

  14. Seth Bruce

    I’ve insured with 21st Century for a long time. Pretty cheap in Omaha, NE.

  15. Shawana Hammond

    I live just to the south of Phoenix, AZ. Quoted with AIG Insurance, Sentry, and Western Auto Insurance for my Toyota and I’m now saving $19 a month. Not sure about claim service.

  16. Lachelle Walls

    Cheap is not always the best policy. I’m in the west part of Madison, Wisconsin. Got quotes with GEICO, AAA, and Esurance for my 1996 Toyota 4Runner and I think I cut my rates about $20 each month. Insured with Travelers before. Thankfully I’m not a high risk driver. It’s too old for full coverage.