Cheap 2003 Toyota 4Runner Insurance Quotes

Looking for the cheapest insurance rates for your Toyota 4Runner? Comparison shopping for low cost Driversinsurance is always hard for people new to buying insurance online. With literally dozens of insurers to choose from, it can be a big hassle to find a more affordable company.

You should take the time to price shop coverage yearly since insurance prices are adjusted regularly by insurance companies. Just because you had the best price on 4Runner coverage six months ago there is a good chance you can find better rate quotes now. You can find a lot of information about insurance on the internet, but by reading this article, you’re going to learn the easiest ways to lower your insurance bill.

Discounts can really help lower rates

Auto insurance is easily one of your largest bills, but there’s a good chance there are discounts to help bring down the price. Many of these discounts will be applied automatically when you get a quote, but a few need to be requested specifically before you get the savings.

  • Low Miles Discount – Driving less may allow you to get substantially lower premium rates.
  • Good Grades Discount – A discount for being a good student can earn a discount of 20% or more. Most companies allow this discount up to age 25.
  • Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more on 4Runner coverage than drivers with accidents.
  • Save with a New Car – Buying auto insurance coverage on a new vehicle is cheaper because newer vehicles keep occupants safer.
  • Student Driver Training – Cut your cost by having your teen driver sucessfully take a drivers education course if offered at their school.

Remember that most credits do not apply the the whole policy. Some only apply to the cost of specific coverages such as medical payments or collision. Despite the fact that it seems like adding up those discounts means a free policy, you’re out of luck.

Large auto insurance companies and their possible discounts are shown below.

  • State Farm discounts include Drive Safe & Save, good student, anti-theft, student away at school, accident-free, driver’s education, and passive restraint.
  • Progressive offers discounts for homeowner, multi-policy, multi-vehicle, online quote discount, online signing, and continuous coverage.
  • Progressive may offer discounts for multi-vehicle, good student, continuous coverage, homeowner, and multi-policy.
  • MetLife includes discounts for good student, claim-free, good driver, multi-policy, defensive driver, and accident-free.
  • Farm Bureau may include discounts for renewal discount, multi-policy, driver training, 55 and retired, safe driver, and multi-vehicle.
  • Geico offers premium reductions for daytime running lights, membership and employees, seat belt use, good student, federal employee, and military active duty.
  • SAFECO offers discounts including teen safety rewards, drive less, bundle discounts, multi-car, anti-lock brakes, teen safe driver, and safe driver.

When getting free insurance coverage quotes, it’s a good idea to every insurance company how you can save money. Some discounts listed above may not apply to policyholders in your area. To view providers that offer many of these discounts, click this link.

The quickest method to get rate comparisons takes advantage of the fact auto insurance companies participate in online systems to provide you with free rate quotes. To begin a comparison, all you need to do is provide information like how you use your vehicles, whether you are single or married, how much education you have, and if you have an active license. That rating information gets sent immediately to many different companies and they return quotes quickly.

If you would like to compare rates now, click here and complete the quick form.

Will just any policy work for me?

When it comes to buying the best insurance coverage, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining if you may require specific advice.

  • When should I not file a claim?
  • Where can I find DUI or SR-22 insurance?
  • Is rental equipment covered for theft or damage?
  • How does medical payments coverage work?
  • How much liability insurance is required?
  • Will my insurance pay for OEM parts?
  • Do I have any recourse if my insurance company denies a claim?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form.

Coverages available on your car insurance policy

Learning about specific coverages of a car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Liability insurance

This protects you from damage or injury you incur to other people or property that is your fault. It protects YOU from claims by other people. Liability 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. As an example, you may have liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like loss of income, attorney fees, medical expenses, repair bills for other people’s vehicles and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive (Other than Collision)

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as fire damage, hitting a bird, falling objects and damage from a tornado or hurricane. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Toyota 4Runner.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like doctor visits, ambulance fees and funeral costs. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Auto collision coverage

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

Collision insurance covers claims such as hitting a parking meter, rolling your car, crashing into a building and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Cheaper insurance is a realistic goal

Cheaper insurance coverage is attainable from both online companies and with local insurance agents, so you should compare both to have the best selection. A few companies may not have the ability to get a quote online and usually these regional insurance providers sell through independent agencies.

As you shop your coverage around, it’s a bad idea to reduce needed coverages to save money. Too many times, someone dropped comprehensive coverage or liability limits to discover at claim time they didn’t purchase enough coverage. The ultimate goal is to get the best coverage possible at a price you can afford but still have enough coverage for asset protection.

We covered many tips how you can shop for 2003 Toyota 4Runner insurance online. The key concept to understand is the more times you quote, the better your comparison will be. Drivers may discover the lowest car insurance rates are with a small local company.

For more information, feel free to visit the articles below:

Comments About 2003 Toyota 4Runner Insurance

  1. Sung Dixon

    I live west of Seattle, WA. Quoted a bunch of companies. Saved about $30 a month. 21st Century was the cheapest for me. Moved home policy as well. I recommend comparing lots of rates.

  2. Erna Turner

    I switched to State Farm. Quoted good rates in Fairbanks, Alaska. I increased coverages a little too. Anyone else drop full coverage?

  3. Marcelino Eaton

    Enjoyed the article. Got a quote with GMAC for my 4Runner and saved around $110 a year. Hopefully won’t need it.

  4. Palmer Mckay

    Cheap is not always the best policy. From a town just southwest of Cranston, RI. Got free quotes online for a 2003 Toyota 4Runner. Ended up at about $90 savings annually. Went with Progressive. Insured with AAA before. Teenage drivers are expensive! You can get a rate quote online. It’s only liability tho.

  5. Nidia Serrano

    I’m just south of Henderson, Nevada. I quoted with Allstate, AIG Insurance, and Encompass for my 4Runner and saved just over $80 a year. Switched homeowners coverage too.

  6. Nova Lawrence

    Hope my car insurance gets cheaper. Found cheapest coverage with Auto-Owners for my Toyota and am saving around $100 a year. I got a quote from their website. I don’t put full coverage on it.

  7. Magdalena Pearson

    Great site. Live in Great Falls, MT. I got free quotes with Allstate, The General, and Erie for my 4Runner and I’m now saving $12 a month. I have a couple other vehicles on the policy. God forbid I actually have a claim.

  8. Autumn Herring

    GEICO was cheapest for my 2003 Toyota 4Runner in Dover, Delaware.

  9. Lester Goff

    Mine is so expensive. Located in Concord, NH. Quoted prices from State Farm, American Family, and some I forget for my 2003 Toyota 4Runner and saved $86 a year. Insured with MetLife before. Have an at-fault accident tho. I don’t insure for physical damage though.

  10. Sue Watts

    Well-written and thought out article. I’m in the north part of Nampa, ID. Got free quotes online for a 2003 Toyota 4Runner. Ended up at about $80 savings annually. Went with GEICO. Left 21st Century to switch. I think they have home insurance too. Next renewal I’ll just do liability.

  11. Leota Dorsey

    Does Progressive prorate premiums at cancellation?

  12. Pok Carson

    I can’t pay high rates. Found cheapest coverage with Progressive for my 4Runner and cut my rates about $80 a year. BTW speeding tickets are not good. I don’t have comp or collision coverage.

  13. Erna Spence

    Any Progressive or Esurance customers near Columbus, Ohio?

  14. Clark Durham

    Lots of useful info here. From a town just southwest of Jackson, Mississippi. Received quotes with The General, American Family, Sentry, and a couple others for my Toyota and I think I cut my rates about $30 each month. Left AAA to switch. I have several vehicles insured with them. Not sure about claim service. Book value doesn’t justify full coverage anymore.

  15. Luella Mcfarland

    I live north of West Valley City, Utah. Checked online prices for a 2003 Toyota 4Runner. Ended up at about $80 savings annually. Went with Allstate. :P I only have liability coverage on it.