2004 Toyota Land Cruiser Insurance Quotes

Are you sick and tired of scraping nickels together to insure your Toyota every month? You are in the same boat as most other consumers. Insurance companies such as Progressive, Geico and Farmers Insurance constantly bombard you with catchy ads and consumers find it hard to see through the cute green geckos and mayhem and take the time to shop coverage around.

Smart consumers take time to compare premium rates yearly because rates change regularly. Despite the fact that you may have had the best premium rates on Land Cruiser insurance a year ago you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about auto insurance on the internet, but by reading this article, you’re going to learn some guaranteed methods to put money back in your pocket.

Insurance Coverage Discounts

Insuring your fleet can be pricey, but there could be available discounts to help bring down the price. A few discounts will be applied when you quote, but some may not be applied and must be requested specifically prior to receiving the credit.

• No Charge for an Accident – This one isn’t a discount, but certain companies permit an accident before raising your premiums if your claims history is clear for a certain period of time.
• Driving Data Discount – Drivers that enable their company to study where and when they drive by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they have good driving habits.
• Anti-lock Brakes – Cars with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
• Driver Education Discount – It’s a good idea to have your young drivers enroll and complete driver’s education if offered at their school.
• Claim Free – Insureds who avoid accidents and claims get the best insurance coverage rates in comparison to frequent claim filers.
• Mature Driver Discount – Older drivers may receive a discount up to 10% on Land Cruiser insurance.
• Theft Prevention Discount – Cars and trucks that have factory anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
• Safe Driver Discount – Insureds who avoid accidents can save as much as half off their rates on Land Cruiser insurance than drivers with accidents.
• Pay Upfront and Save – If you pay your bill all at once instead of paying each month you could save 5% or more.

A little note about advertised discounts, some credits don’t apply the the whole policy. Most only cut the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like you can get free auto insurance, that’s just not realistic. But any discount will cut the amount you pay for coverage.

To see a list of insurers that provide some of the discounts listed above, follow this link.

Lower your insurance premiums

Lots of things are part of the calculation when pricing auto insurance. A few of the factors are predictable such as your driving record, but other factors are not quite as obvious such as your marital status and annual miles driven.It’s important that you understand the rating factors that are used to determine your premiums. When you know what positively or negatively controls the rates you pay, this empowers consumers to make smart changes that may reward you with lower premium levels.

The following are some of the factors utilized by car insurance companies to help set prices.

• Drive fewer miles and save – Driving more miles in a year the more you’ll pay to insure your vehicle. A lot of insurance companies charge to insure your cars based on their usage. Autos used primarily for pleasure use cost less to insure as compared to vehicles used primarily for driving to work. It’s always a good idea to double check that your vehicle rating shows the correct driver usage. An incorrectly rated Land Cruiser may be costing you higher rates.
• Add-on coverages you don’t use – Policies have add-on coverages that you can buy if you aren’t careful. Insurance for replacement cost coverage, accident forgiveness, and term life insurance may not be needed and are just wasting money. They may seem good initially, but if you’ve never needed them in the past remove them from your policy.
• Your job is a factor – Did you know that where you work can have an impact on rates? Careers such as doctorsair traffic controllers and accountants have higher rates than the rest of us attributed to intense work requirements and lengthy work days. On the flip side, occupations like actors, students and homemakers generally pay rates lower than average on Land Cruiser insurance.
• Driving citations hurt – Your driving record has a big impact on rates. Careful drivers have lower premiums than their less careful counterparts. Having just one speeding ticket or other violation may increase your cost twenty percent or more. Drivers who have gotten multiple violations like DUI or reckless driving may face state-mandated requirements to maintain a SR-22 with their state DMV in order to drive a vehicle legally.
• Marriage is a factor – Your spouse can actually save you money when buying insurance. Having a significant other generally demonstrates drivers are more stable financially and insurance companies like that married drivers get in fewer accidents.
• City dwellers may pay more – Having an address in a rural area can be a good thing when it comes to insurance. Fewer people translates into fewer accidents as well as less vandalism and auto theft. Drivers in populated areas regularly have much more traffic and longer commute times. Longer commute distances statistically corresponds to a higher accident and claim rate.
• With age comes lower prices – Teen drivers have been known to be easily distracted behind the wheel and because of this, their insurance rates are much higher. Adding a first-time driver to your insurance policy can increase premiums substantially. More mature drivers have been proven to be more responsible, statistically cause fewer accidents and get fewer tickets.

Tailor your insurance coverage to you

When choosing adequate coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique so your insurance should reflect that For example, these questions might point out whether or not you would benefit from professional advice.

• Is borrowed equipment or tools covered if stolen or damaged?
• Should I put collision coverage on all my vehicles?
• Am I covered when delivering products for my home-based business?
• Is pleasure use cheaper than using my 2004 Toyota Land Cruiser to commute?
• Does my 2004 Toyota Land Cruiser qualify for pleasure use?
• Is motorclub coverage worth it?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Information about specific coverages

Understanding the coverages of insurance can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Shown next are typical coverage types available from insurance companies.

Liability insurance

This protects you from damage or injury you incur to other people or property that is your fault. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like structural damage, court costs, attorney fees, funeral expenses and emergency aid. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Insurance for medical payments

Med pay and PIP coverage provide coverage for expenses like surgery, rehabilitation expenses, X-ray expenses and funeral costs. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover you and your occupants in addition to getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, damage from a tornado or hurricane, hitting a deer and hitting a bird. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like rolling your car, crashing into a building and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your Toyota Land Cruiser.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these limits are similar to your liability insurance amounts.

Shop Smart and Save

When you buy insurance coverage online, it’s a bad idea to buy poor coverage just to save money. There have been many situations where an insured cut physical damage coverage and learned later that it was a big mistake. Your focus should be to find the BEST coverage at the best possible price, but do not skimp to save money.

You just read a lot of techniques to lower your 2004 Toyota Land Cruiser insurance prices. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding inexpensive insurance coverage. Drivers may discover the lowest prices are with the least-expected company. They can often insure niche markets at a lower cost than their larger competitors like Allstate or State Farm.

Lower-priced car insurance is definitely available online and from local insurance agents, so you need to quote insurance coverage with both in order to have the best chance of saving money. Some insurance companies may not have rate quotes online and usually these regional carriers sell through independent insurance agencies.

To read more, feel free to visit the resources below:

• Auto Insurance Learning Center (State Farm)
• Understanding Car Crashes Video (iihs.org)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)