2010 Toyota Land Cruiser Insurance Rates

Searching for cheap car insurance on the internet might appear problematic for drivers that are not comfortable with quoting and price shopping on the internet. With literally dozens of insurance companies available, how can anyone even start to compare every company to locate better rates?

Choosing the best insurance company for you is not rocket science. Just about anyone who shops for auto insurance most likely will be able to reduce their rates. But drivers can benefit from knowing how big insurance companies market insurance on the web because it can help you find the best coverage.

Compare car insurance quotes

Shopping for lower car insurance rates can be a daunting task if you don’t know the best way to get rate quotes. You can spend countless hours talking to agents in your area, or you could use online quoting to achieve your goal.

Many insurance companies enroll in a system that allows shoppers to send in one quote, and each participating company returns a competitive quote. This saves time by eliminating quotation requests for every car insurance company.

To compare rates now click to open in new window.

The one downside to using this type of form is you can’t choose which insurance companies you want to price. If you wish to select specific providers to receive pricing from, we put together a list of car insurance companies in your area. View list of insurance companies.

Take whichever approach you prefer, but make sure you use equivalent quote data with each company. If you are comparing unequal deductibles or liability limits then you won’t be able to determine the lowest rate for your Toyota Land Cruiser. Just slight variations in coverages can mean a large discrepancy in price. And when comparison shopping, getting more free quotes helps you find a lower rate.

Take advantage of these discounts

Insurance is easily one of your largest bills, but you may find discounts that you may not know about. A few discounts will be applied when you get a quote, but once in a while a discount must be manually applied in order for you to get them.

• Student in College – Kids living away from home attending college and do not take a car to college could qualify for this discount.
• Senior Citizen Rates – Seniors can possibly qualify for a small discount on rates for Land Cruiser insurance.
• Discounts for Government Workers – Having worked for a branch of the government may qualify for a discount when you quote insurance for Land Cruiser insurance with some insurance companies.
• Responsible Driver Discounts – Safe drivers can get discounts for up to 45% lower rates for Land Cruiser insurance than less cautious drivers.
• Air Bag Discount – Vehicles equipped with air bags can receive discounts as much as 30%.
• Active Military Service – Being on active deployment in the military may qualify for rate reductions.
• Auto/Life Discount – If the company offers life insurance, you could get better insurancerates if you take out a life policy as well.
• Use Seat Belts – Drivers who require all occupants to buckle their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
• No Claims – Drivers with accident-free driving histories get the best insurance rates when compared with bad drivers.
• Early Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. Most cut the price of certain insurance coverages like medical payments or collision. Even though it may seem like all the discounts add up to a free policy, you aren’t that lucky.

Popular insurance companies and some of the premium reductions they offer can be read below.

• 21st Century policyholders can earn discounts including air bags, theft prevention, anti-lock brakes, teen driver, student driver, and 55 and older.
• State Farm discounts include driver’s education, good student, student away at school, defensive driving training, passive restraint, and good driver.
• AAA offers discounts including multi-policy, good student, AAA membership discount, pay-in-full, good driver, anti-theft, and multi-car.
• Liberty Mutual may offer discounts for good student, preferred payment discount, new vehicle discount, multi-car, and multi-policy.
• Progressive may have discounts that include homeowner, multi-policy, multi-vehicle, good student, and continuous coverage.

If you need the cheapest insurance quotes, ask every company which discounts you may be entitled to. Some discounts listed above may not be available in every state. To view insurance companies that offer multiple discounts, click here to view.

What determines Toyota Land Cruiser insurance premiums?

When buying car insurance it’s important to understand the different types of things that go into determining your policy premiums. If you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that will entitle you to lower premium levels.

• See if your company offers a multi-policy discount – Lots of insurance companies apply discounts to policyholders who buy several policies from them. It’s known as a multi-policy discount. The discount can add up to ten percent or more. Even if you already get this discount, you still need to compare other company rates to guarantee you are still saving the most.
• Rate your vehicle for proper use – The higher the miles on your Toyota each year the more you’ll pay to insure it. Most insurance companies charge rates based upon how you use the vehicle. Cars and trucks not used for work or commuting receive lower rates than vehicles that are driven to work every day. It’s a smart idea to ensure your policy properly reflects the correct usage. An incorrectly rated Land Cruiser may be costing you higher rates.
• Better prices with anti-theft devices – Choosing a vehicle with anti-theft technology or alarm system can save you some money. Advanced theft deterrents like OnStar, LoJack tracking, and tamper alarms can thwart your car from being stolen.
• Low comp and collision deductibles mean high premiums – Insurance for physical damage to your car, aka comp and collision, is used to repair damage to your vehicle. Some examples of claims that would be covered would be collision with another vehicle, hail damage, and burglary. Comprehensive and collision coverage deductibles state the amount of money you are required to spend out-of-pocket before a claim is paid by your company. The more you’re willing to pay, the lower your rates will be for Land Cruiser insurance.
• Tickets can increase premiums – A bad driving record impacts your car insurance rates tremendously. Careful drivers tend to pay less for car insurance as compared to those with violations. Even a single chargable violation could increase your next policy renewal substantially. Drivers who have serious citations like DUI, reckless driving or excessive speeding may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to legally drive a vehicle.
• Do you need those extra coverages? – There are a ton of extra bells and whistles that can add up when buying car insurance. Insurance for rental car reimbursement, towing coverage, and additional equipment coverage may be costing you every month. They may seem like a good idea when talking to your agent, but your money might be better spent on other coverage so remove them and pocket the money.
• Safer vehicles means cheaper prices – Vehicles with good safety scores cost less to insure. The safest vehicles reduce the chance of injuries and lower injury rates means less money paid by your insurance company and thus lower rates.
• A lcar insurance policy lapse is a bad thing – Driving any period of time without insurance can get you a ticket and any future policy may cost more because you let your coverage lapse. In addition to paying higher rates, failure to provide proof of insurance will get you fines and jail time. You will then be forced to prove you have insurance by filing a SR-22 with your state DMV.

Special considerations

When buying the best insurance coverage coverage for your personal vehicles, there really is no one size fits all plan. Each situation is unique.

For example, these questions may help you determine whether you may require specific advice.

• Can I pay claims out-of-pocket if I buy high deductibles?
• Do I really need UM/UIM coverage?
• What is roadside assistance coverage?
• Do I have any recourse if my insurance company denies a claim?
• Is extra glass coverage worth it?
• Is my 2010 Toyota Land Cruiser covered for flood damage?
• What is the rate difference between pleasure use and commuting?
• Are my friends covered when driving my car?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form.

Auto insurance coverage information

Knowing the specifics of a insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Medical costs insurance

Med pay and PIP coverage provide coverage for bills for things like chiropractic care, nursing services, X-ray expenses and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

UM/UIM Coverage

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as damage to your Toyota Land Cruiser.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Auto collision coverage

Collision coverage pays for damage to your Land Cruiser from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like driving through your garage door, crashing into a ditch, rolling your car and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, damage from getting keyed, rock chips in glass, hail damage and vandalism. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability

Liability insurance can cover damage or injury you incur to other’s property or people 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, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims like legal defense fees, bail bonds and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

A penny earned…

Cost effective 2010 Toyota Land Cruiser insurance can be purchased both online in addition to many insurance agents, so you need to shop insurance with both in order to have the best chance of saving money. Some insurance providers do not provide online quoting and usually these small, regional companies work with independent insurance agents.

As you quote insurance, make sure you don’t skimp on critical coverages to save a buck or two. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. The goal is to buy enough coverage at the lowest possible cost while not skimping on critical coverages.

You just learned a lot of tips how to lower your 2010 Toyota Land Cruiser insurance premium rates. The most important thing to understand is the more companies you get prices for, the higher the chance of saving money. Consumers could even find that the most savings is with a small local company.

More detailed auto insurance information can be found in the articles below:

• Cellphones, Texting and Driving (iihs.org)
• Understanding your Policy (NAIC.org)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Auto Insurance 101 (About.com)
• Information for Teen Drivers (Geico)
• Credit Impacts Car Insurance Rates (State Farm)