2007 Toyota Land Cruiser Car Insurance Rates

Searching for cheaper auto insurance rates for your Toyota Land Cruiser? Online price comparisons for inexpensive insurance coverage can be complicated if you haven’t ever compared insurance using online quoting. Don’t let that bother you because using the internet to shop for auto insurance is actually quite easy.

If you have car insurance now, you will most likely be able to reduce your rates substantially using this information. Locating more affordable insurance coverage coverage is easy if you know what you’re doing. Although vehicle owners do need to learn how companies sell online.

Get lower rates with discounts

Some insurers do not advertise every disount available in a way that’s easy to find, so we took the time to find both well-publicized as well as the least known credits that may apply to you.

  • Low Mileage Discounts – Driving fewer miles could qualify for better premium rates on cars that stay parked.
  • Anti-lock Brake System – Cars and trucks that have steering control and anti-lock brakes can stop better under adverse conditions so you can save 10 percent or more.
  • Defensive Driver Discount – Participating in a course teaching driver safety skills could cut 5% off your bill if your company offers it.
  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
  • Multi-car Discount – Having multiple cars or trucks on the same insurance coverage policy may reduce the rate for each vehicle.

Remember that many deductions do not apply to the entire policy premium. Most only reduce individual premiums such as physical damage coverage or medical payments. So even though you would think all those discounts means the company will pay you, it just doesn’t work that way.

Popular insurance coverage companies and a selection of discounts are detailed below.

  • State Farm policyholders can earn discounts including Drive Safe & Save, passive restraint, driver’s education, multiple autos, and defensive driving training.
  • Progressive discounts include multi-policy, good student, continuous coverage, homeowner, and multi-vehicle.
  • Travelers offers discounts including student away at school, payment discounts, driver training, hybrid/electric vehicle, continuous insurance, early quote, and IntelliDrive.
  • American Family has discounts for defensive driver, good student, TimeAway discount, air bags, mySafetyValet, and Steer into Savings.
  • Liberty Mutual offers premium reductions for multi-car, newly retired, good student, new graduate, new vehicle discount, and hybrid vehicle.

Check with every insurance company which discounts can lower your rates. Some discounts may not be offered in your area. If you would like to see a list of insurance companies who offer free insurance coverage quotes, click this link.

How much does insurance cost?

Most larger insurance companies such as State Farm and Allstate make it easy to get price estimates from their websites. The process is fairly straightforward as all you need to do is type in the coverages you want on the page. After you complete the form, their quoting system collects your driving and credit reports and provides a quote.

Quoting online makes it a lot easier to compare rates but the time it takes to visit a lot of sites and enter the same data into a form is not the best way to spend an afternoon. But it’s necessary to do this in order to get the lowest possible prices on insurance.

There is an easier way to compare rates

A better way to find better insurance pricing requires only one form to obtain quotes from several companies at one time. It saves time, eliminates repetitive work, and makes comparison shopping a little more enjoyable. After your information is entered, it gets priced and you are able to buy any of the pricing results.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. The whole process takes just a few minutes to complete and you’ll know if lower rates are available.

In order to use this form to compare rates, click here and input your coverage information. If you currently have coverage, we recommend you type in your coverages just like they are on your policy. This makes sure you will have a fair comparison for similar insurance coverage.

What is the best car insurance coverage?

When buying adequate coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.

For instance, these questions might point out if your situation may require specific advice.

  • Am I covered by my spouse’s policy after a separation?
  • When should my teen driver be added to my policy?
  • Am I covered when pulling a rental trailer?
  • Is my dog or cat covered if injured in an accident?
  • Does my car insurance cover rental cars?
  • Does my insurance cover a custom paint job?
  • What are the best liability limits?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

Specific coverage details

Understanding the coverages of a insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.


Liability coverage protects you from damage that occurs to a person or their property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims like medical expenses, attorney fees and repair bills for other people’s vehicles. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured and underinsured coverage

This coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Toyota Land Cruiser.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually the UM/UIM limits are set the same as your liablity limits.

Collision protection

Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like sustaining damage from a pot hole, rolling your car, colliding with another moving vehicle and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for immediate expenses for surgery, doctor visits, hospital visits, ambulance fees and chiropractic care. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as theft, hail damage, a broken windshield, damage from flooding and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Compare but don’t skimp

We just showed you a lot of techniques to save on 2007 Toyota Land Cruiser insurance. The key thing to remember is the more you quote insurance coverage, the better chance you’ll have of finding affordable insurance coverage. You may be surprised to find that the lowest rates come from a lesser-known regional company.

Consumers switch companies for a number of reasons such as high prices, being labeled a high risk driver, unfair underwriting practices and high rates after DUI convictions. Regardless of your reason for switching companies, finding a great new company is not as hard as you think.

Cheaper car insurance is possible both online as well as from insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies don’t offer rate quotes online and many times these smaller providers provide coverage only through independent insurance agencies.

More detailed car insurance information can be read in the articles below:

Comments About 2007 Toyota Land Cruiser Insurance

  1. Mary Burns

    Lots of useful info here. I’m in the suburbs of Charleston, SC. Can’t remember who all I quoted but I ended up saving about $40 each month. Moved home policy as well. LOL

  2. Luvenia Malone

    I’m in Burlington, Vermont, and 21st Century rates were affordable. Good savings if you bundle. Might find lower rates online.

  3. Jay Donaldson

    I live in a small town just outside of Kansas City, Kansas. I quoted with State Farm, The General, and Erie for my Toyota and am saving around $540 a year. Just go online and compare their rates.

  4. Ben Carney

    I got quite a few price quotes for a 2007 Toyota Land Cruiser in Worcester, MA. Ended up at roughly $190 every six months with AAA. Left Farmers to switch. I used their website to get prices.

  5. Herminia Mejia

    Not sure what I should be paying. I live south of Biloxi, MS. Received quotes with GEICO, The General, and Farmers for my Land Cruiser and I’m now saving $58 a month.

  6. Jonna Wynn

    I’m just south of Evansville, Indiana. Quoted prices online for a 2007 Toyota Land Cruiser. Ended up at about $450 savings annually. Went with 21st Century. Was with Eastwood.

  7. Tangela Mcfadden

    Compared auto insurance prices with Allstate and Progressive but still not cheap enough.

  8. Earleen Chaney

    Went with AAA for my Land Cruiser and am saving around $290 a year. They have a lot of discounts available. I quoted rates online then called them.

  9. Carmen Day

    Anyone understand their policy?

  10. Leann Mckee

    Will 21st Century cancel me for an at-fault accident?

  11. Dominick Stone

    Found cheapest coverage with Safeco for my Land Cruiser and cut my rates about $300 a year. Insured with State Farm before. Have an at-fault accident tho. Just go online and compare their rates.

  12. Chiquita Collins

    Lots of useful info here. I’m in the south part of Rochester, MN. Received rates from Allstate, AIG Insurance, Esurance, and Hanover for my Land Cruiser and saved just over $520 a year. Even increased my liability limits. Did it all online.

  13. Tiffanie Harrington

    Is State Farm cheaper than GEICO in Columbus, Georgia?

  14. Lauren Mcdaniel

    Anyone know if 21st Century does SR-22s?

  15. Patrick Lamb

    Lots of good stuff here. I’m from Gulfport, Mississippi. Quoted prices online for a 2007 Toyota Land Cruiser. Ended up at about $220 savings annually. Went with State Farm. I have a couple other vehicles on the policy. Get lots of quotes to find the best rate.

  16. Mendy Gillespie

    Lots of useful info here. Lifelong resident of Pittsburgh, PA. Quoted quotes with Auto-Owners, Safeco, and some smaller one I can’t remember the name of for my Toyota and saved about $140 a year. Insured with Eastwood before. Good multi-policy discounts. Not sure if rates are cheaper online or not.

  17. Russ Harding

    I’m just east of Baltimore, MD. Got car insurance quotes with Auto-Owners, Farmers, and Nationwide for my 2007 Toyota Land Cruiser and I’m now saving $47 a month. Switched homeowners coverage too.

  18. Alena Dillard

    If you have a good history and live around Saint Paul, MN, check out GEICO. They seem to be cheaper. Teenage drivers are expensive!

  19. Jarrett Haley

    Anyone buy from Auto-Owners? I’m in Philadelphia, Pennsylvania.

  20. Clair Mills

    I got quite a few price quotes for a 2007 Toyota Land Cruiser in Springfield, Missouri. Ended up at darn near $340 every six months with American Family. I have kids on my policy, too. I used their online quote form to compare rates.

  21. Freida Howell

    I compared a lot of rate quotes for a 2007 Toyota Land Cruiser in Eugene, OR. Ended up at about $210 every six months with AIG Insurance. Left Nationwide to switch. Thankfully I have a good driving record. Still almost need a second mortgage.