1998 Toyota Land Cruiser Insurance Quotes – 8 Policy Discounts

Finding the cheapest insurance for a Toyota Land Cruiser can be difficult, but you can use the following methods to save time.

There is a better way to compare insurance coverage rates and we’ll show you the absolute fastest way to price shop coverage on a Toyota and get the lowest price from local insurance agents and online providers.

Finding affordable auto insurance coverage is quite easy. If you are insured now or need a new policy, you can use this information to find the best rates and possibly find even better coverage. Drivers only need to know the most effective way to shop over the internet.

The best way we recommend to get policy rate comparisons takes advantage of the fact car insurance companies participate in online systems to provide you with free rate quotes. All you need to do is provide details such as if you’re married, an estimate of your credit level, what you do for a living, and how much you drive. Your information is submitted instantly to insurance carriers in your area and they return rate quotes immediately.

To get price quotes for your 1998 Toyota Land Cruiser now, click here and see if a lower rate is available.

Do you qualify for discount car insurance?

Some companies don’t always publicize the complete list of policy discounts in an easy-to-find place, so the following list contains some of the more common as well as the least known discounts you could be receiving when you buy insurance online.

• Use Seat Belts – Requiring all passengers to use a seat belt could save 15% off the personal injury premium cost.
• New Car Discount – Putting insurance coverage on a new car can save up to 30% because new model year vehicles are generally safer.
• Data Collection Discounts – Policyholders that allow driving data collection to scrutinize their driving habits remotely such as State Farm’s In-Drive might see lower rates if their driving habits are good.
• Fewer Miles Equal More Savings – Keeping the miles down on your Toyota can qualify you for substantially lower car insurancerates.
• Club Memberships – Participating in specific professional or occupational memberships or organizations may earn a discount on your policy.
• Mature Driver Discount – Mature drivers could receive a small decrease in premiums on Land Cruiser insurance.
• E-sign Discounts
• Passive Restraint Discount – Cars that have air bags or automatic seat belts could see savings up to 30%.

While discounts sound great, it’s important to understand that some of the credits will not apply to the entire cost. Some only apply to individual premiums such as liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, it’s just not the way it works. But all discounts will definitely reduce your policy premiums.

A few companies that possibly offer many of the previously listed discounts possibly include:

• State Farm
• Liberty Mutual
• American Family
• Progressive
• Farmers Insurance
• Auto-Owners Insurance
• SAFECO

If you need cheap insurance quotes, ask every company what discounts are available to you. Some discounts may not apply to policies everywhere. To view car insurance companies with significant discounts, follow this link.

What insurance coverages do I need?

When it comes to buying the best auto insurance coverage for your vehicles, there really is no one size fits all plan. Every insured’s situation is different.

These are some specific questions might point out whether you might need professional guidance.

• Am I covered if I crash into my own garage door?
• Am I covered if I drive in a foreign country?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Do I have coverage if my license is suspended?
• Exactly who is provided coverage by my policy?
• Which is better, split liability limits or combined limits?
• When would I need rental car insurance?
• How can I get my company to pay me more for my totalled car?
• Should I file a claim if it’s only slightly more than my deductible?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Educate yourself about car insurance coverages

Learning about specific coverages of your car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Collision – This coverage pays for damage to your Land Cruiser resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like damaging your car on a curb, crashing into a building, hitting a parking meter, sustaining damage from a pot hole and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Liability car insurance – This coverage protects you from injuries or damage you cause to other people or property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as emergency aid, legal defense fees, repair bills for other people’s vehicles and pain and suffering. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as vandalism, a tree branch falling on your vehicle, damage from flooding, rock chips in glass and falling objects. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for expenses like doctor visits, chiropractic care and nursing services. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers – Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Normally these limits do not exceed the liability coverage limits.