2003 Toyota Land Cruiser Insurance Rates – 9 Ideas for Cheaper Quotes

Searching for lower auto insurance rates? Consumers have a choice when looking for the lowest priced Toyota Land Cruiser insurance. You can either spend your time struggling with agents to get rate comparisons or use the internet to make rate comparisons. There is a better way to shop for auto insurance so you’re going to learn the best way to compare rates for a new or used Toyota and find the lowest possible price from local insurance agents and online providers.

You need to do price comparisons occasionally because prices fluctuate regularly. Even if you got the lowest price on Land Cruiser insurance a few years ago a different company probably has better rates today. Forget anything you know (or think you know) about auto insurance because we’re going to show you one of the easiest ways to properly buy coverages and cut your premium.

Shop car insurance online

Most larger insurance companies like Progressive, Geico, Allstate and State Farm allow you to get coverage price quotes direct online. The process doesn’t take a lot of time because it’s just a matter of typing in your coverage preferences on the page. Once entered, the system orders information on your driving record and credit history and gives you a price quote based on the data you entered.

Online price estimates simplifies rate comparisons, but the work required to visit several different sites and type in the same information gets old quite quickly. But it’s also necessary to have as many quotes as possible if you want to get a lower rate.

The smarter way to find lower prices is to use a quote form that obtains quotes from multiple companies. The form is fast, eliminates repetitive work, and makes rate comparisons much more enjoyable. After sending your information, your coverage is rated with multiple companies and you can pick your choice of the quote results. If the quotes result in lower rates, you simply finish the application and buy the policy. It just takes a couple of minutes and you will find out if you’re overpaying now.

To find out how much you can save on car insurance, click here to open in a new tab and input your coverage information. If you have your current policy handy, we recommend you copy as shown on your current policy. This ensures you will have rate comparison quotes for the exact same coverage.

Beware of misleading insurance coverage ads

Consumers can’t get away from ads for cheaper insurance coverage by Progressive, Geico, Allstate and State Farm. They all advertise claims about savings if you get a free car insurance quote and switch your policy.

How can each company make the same claim?

Most companies look for specific characteristics for the type of driver that will add to their bottom line. An example of a profitable insured might be over age 30, has other policies, and has a high credit rating. A customer who fits those characteristics may get the lowest rates and is almost guaranteed to save if they switch.

Potential customers who are not a match for the ideal profile will see a higher premium with the end result being the driver buying from a lower-cost company. The trick is to say “drivers who switch” but not “all drivers who get quotes” save that much money. That’s why companies can truthfully make the claims of big savings. This really illustrates why you need to get as many free car insurance quotes as possible. It’s impossible to know which company will have the best prices at this point in time.

Nine discounts to earn lower-cost auto insurance rates

Auto insurance is not cheap nor is it fun to buy but you may qualify for discounts that can help lower your rates. Certain reductions will be credited when you complete an application, but a few must be asked for prior to getting the savings.

• Government Employees – Active or former government employment may reduce rates when you quote car insurance on Land Cruiser insurance with certain companies.
• Multiple Policy Discount – If you can combine your auto and home policy with one insurance company you may earn up to 20% and get you affordable car insurance.
• Good Grades Discount – Performing well in school may save as much as 25% on a car insurance quote. Earning this discount can benefit you up to age 25.
• Discount for Swiching Early – Some insurance companies give discounts for switching to them before your current expiration date. It can save you around 10%.
• E-sign – A handful of auto insurance companies may give you up to $50 shop car insurance online.
• Clubs and Organizations – Having an affiliation with qualifying clubs or civic groups could trigger savings on your next auto insurance statement.
• Low Miles Discount – Keeping the miles down on your Toyota could earn lower prices on the low mileage vehicles.
• Defensive Driver – Taking a driver safety course could cut 5% off your bill depending on where you live.
• Distant Student Discount – Children who are attending college and don’t have a car could get you a discount.

As is typical with insurance, most discount credits are not given to all coverage premiums. Some only apply to the cost of specific coverages such as comprehensive or collision. So when it seems like you can get free auto insurance, that’s just not realistic.

The best auto insurance companies and a partial list of their discounts are outlined below.

• Geico offers discounts including federal employee, emergency military deployment, daytime running lights, anti-theft, five-year accident-free, and air bags.
• Travelers offers premium reductions for early quote, multi-policy, multi-car, payment discounts, driver training, and good student.
• Nationwide offers discounts for easy pay, business or organization, good student, family plan, and multi-policy.
• Farmers Insurance may include discounts for early shopping, distant student, bundle discounts, switch companies, and electronic funds transfer.
• Esurance has savings for good driver, safety device, emergency road assistance, homeowner, Pac-12 alumni, and online quote.
• State Farm policyholders can earn discounts including passive restraint, safe vehicle, Drive Safe & Save, student away at school, and multiple autos.
• Progressive includes discounts for multi-vehicle, good student, homeowner, multi-policy, continuous coverage, online signing, and online quote discount.
• Mercury Insurance may offer discounts for type of vehicle, low natural disaster claims, location of vehicle, annual mileage, and ease of repair.

It’s a good idea to ask every prospective company to apply every possible discount. Discounts might not be available to policyholders everywhere.

Tailor your car insurance coverage to you

When choosing the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Each situation is unique.

These are some specific questions can help discover whether you might need professional guidance.

• Is business property covered if stolen from my car?
• What is medical payments coverage?
• Should I buy additional glass protection?
• Is a new car covered when I drive it off the dealer lot?
• Why am I required to buy liability insurance?
• Are my tools covered if they get stolen from my vehicle?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.

Auto insurance coverage information

Learning about specific coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Toyota Land Cruiser.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Liability insurance

Liability coverage provides protection from damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as loss of income, medical services and court costs. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Comprehensive coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as fire damage, damage from getting keyed, a broken windshield and hitting a deer. 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.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like doctor visits, prosthetic devices, hospital visits, dental work and funeral costs. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision insurance

Collision insurance pays for damage to your Land Cruiser resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a building, hitting a parking meter and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Power to the consumer

We just covered a lot of techniques to reduce 2003 Toyota Land Cruiser insurance prices online. The key thing to remember is the more you quote car insurance, the better chance you’ll have of finding affordable car insurance. Drivers may discover the lowest prices come from a lesser-known regional company.

As you shop your coverage around, it’s not a good idea to skimp on coverage in order to save money. There are a lot of situations where someone dropped liability limits or collision coverage only to regret at claim time that the few dollars in savings costed them thousands. Your strategy should be to purchase plenty of coverage for the lowest price, but do not sacrifice coverage to save money.

More affordable car insurance is available online and with local insurance agents, and you need to comparison shop both to have the best selection. Some insurance providers may not provide internet price quotes and most of the time these regional insurance providers only sell through independent agencies.

More tips and info about car insurance is located in the articles below:

• Help Your Teen Be a Better Driver (State Farm)
• Drunk Driving Statistics (Insurance Information Insitute)
• Understanding Limits and Deductibles (Allstate)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)