2011 Toyota 4Runner Insurance Quotes – 10 Ways to Save

Feeling guilty for buying overpriced insurance? You’re in good company because many drivers have buyer’s remorse. Companies like State Farm and Geico constantly blast consumers with catchy ads and consumers find it hard to avoid their marketing magic and take the time to shop coverage around.

If you have insurance now or need new coverage, you can use these techniques to find the best rates and possibly find even better coverage. Buying car insurance is quite easy. Consumers just need to know the tricks to get comparison quotes over the internet.

Compare auto insurance rates

Finding low cost 2011 Toyota 4Runner auto insurance quotes isn’t really that difficult. Just invest a little time to get quotes to find. It’s really simple and can be done using a couple different methods.

  1. If you are pressed for time, the simplest way to get the best comparison quotes would be an industry-wide quote request form click here to open form in new window. This quick form keeps you from doing a different quote for each company. One form gets prices estimates from auto insurance companies with the best prices.
  2. Another way to obtain and compare quotes online requires visiting each company’s website and repeat the quote process again and again. For example, we’ll pretend you are doing a rate comparison from Allstate, Safeco and Farmers. You would need to navigate to each company’s site and type in your information over and over, which can get old fast.

    For a list of links to companies insuring cars in your area, click here.

  3. The last way to get price estimates is to drive around to local insurance agencies. Doing it all online makes this process obsolete unless you have a need for the trained advice that you can only get from talking to an agent. Drivers can obtain prices from the web but purchase the actual policy in an agency.

Whichever method you choose, make darn sure you compare nearly identical quote information for every quote you compare. If your comparisons have different deductibles it will be impossible to determine which company has the best rates.

Affordable insurance rates with discounts

Some insurance providers do not list all their discounts in a way that’s easy to find, so here is a list a few of the more well known in addition to some of the lesser obvious credits available to lower your premiums when you buy car insurance online.

  • Multi-Vehicle Discounts – Buying coverage for multiple cars or trucks with the same insurance company can reduce the rates for all insured vehicles.
  • Savings for New Vehicles – Buying a new car model can save up to 30% since newer models have better safety ratings.
  • Passenger Safety Discount – Vehicles equipped with air bags can get savings of 20 to 30 percent.
  • Switch and Save Discount – Select larger companies give a discount for renewing your policy prior to the expiration date on your current policy. The savings is around 10%.
  • Good Student – Getting good grades can be rewarded with saving of up to 25%. Most companies allow this discount up until you turn 25.
  • Discounts for Seat Belt Usage – Forcing all vehicle occupants to use their safety belts may be able to save a few bucks on the medical payments or PIP coverage costs.
  • Homeowners Savings – Just owning your own home may earn you a small savings because owning a home means you have a higher level of financial diligence.
  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less for 4Runner insurance compared to rates paid by drivers with frequent claims.
  • Federal Employees – Employees or retirees of the government may reduce rates when you quote car insurance for 4Runner insurance with a few insurance companies.
  • Senior Citizens – Drivers that qualify as senior citizens can possibly qualify for a discount up to 10% for 4Runner insurance.

Discounts lower rates, but some of the credits will not apply to the entire cost. A few only apply to the price of certain insurance coverages like comprehensive or collision. So when it seems like adding up those discounts means a free policy, nobody gets a free ride.

Companies who may offer many of the previously listed discounts may include but are not limited to:

When comparing rates, check with each insurance company the best way to save money. Some of the earlier mentioned discounts might not be available to policyholders in your area. If you would like to choose from a list of companies with significant discounts, follow this link.

Tailor your car insurance coverage to you

When choosing coverage for your vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions could help you determine if your insurance needs might need an agent’s assistance.

  • When should my teen driver be added to my policy?
  • How high should deductibles be on a 2011 Toyota 4Runner?
  • Do I need roadside assistance coverage?
  • Is my state a no-fault state?
  • How can I get high-risk coverage after a DUI?
  • Should I get collision insurance on every vehicle?
  • Will my insurance pay for OEM parts?
  • Am I covered if I hit a deer?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Car insurance coverages explained

Knowing the specifics of car insurance can help you determine which coverages you need for your vehicles. Car insurance terms can be confusing and coverage can change by endorsement. Shown next are the usual coverages found on most car insurance policies.

Coverage for liability – This protects you from damage that occurs to other’s property or people. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things such as structural damage, funeral expenses and attorney fees. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as damaging your car on a curb, driving through your garage door, colliding with another moving vehicle and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for bills like pain medications, hospital visits and chiropractic care. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, theft, hitting a bird and fire damage. The highest amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your Toyota 4Runner.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Shop smart and save

When trying to cut insurance costs, it’s a bad idea to reduce coverage to reduce premium. There have been many cases where drivers have reduced physical damage coverage and learned later that it was a big mistake. The aim is to buy enough coverage at the best cost while still protecting your assets.

Low-cost 2011 Toyota 4Runner insurance is possible on the web in addition to local insurance agencies, and you should be comparing both so you have a total pricing picture. There are still a few companies who may not provide online quoting and these small, regional companies provide coverage only through independent agents.

Helpful information

Comments About 2011 Toyota 4Runner Insurance

  1. Dolores Mack

    From northwest of Allentown, PA. I compared lots of rates. Saved right around $40 a month. GEICO was the best choice for me. Was with GMAC.

  2. Gladys Medina

    From west side of Norman, OK. Got quotes from Progressive, American Family, Esurance, and The General for my 2011 Toyota 4Runner and I think I saved about $30 each month. Insured with The General before. I have a teen driver too. Highly recommended.

  3. Bernie Hawkins

    I went with Allstate at renewal. Best rates in Newark, NJ. I just quoted rates online.

  4. Thalia Guerrero

    If you’re a decent driver and are close to Colorado Springs, Colorado, check out Allstate. You might get cheaper rates. I have a couple other vehicles on the policy. I used their website to get prices.

  5. Benita Singleton

    Great site. I live just outside New Haven, CT. Can’t remember who all I quoted but I ended up saving about $40 each month. Was with AIG Insurance.

  6. Albina Warner

    If you don’t have tickets and are close to Charleston, SC, check out GEICO. You might save some money. I have a couple other vehicles on the policy.

  7. Florance Bowers

    If you’re a decent driver and are close to West Valley City, Utah, check out 21st Century. They seem to be cheaper. Have a couple speeding tickets too.

  8. Jacque Rowland

    I got quite a few price quotes for a 2011 Toyota 4Runner in Louisville, KY. Ended up at right around $100 every six months with AIG Insurance. LOL

  9. Marcelene Joseph

    Here’s what I found out. From Phoenix, Arizona. I quoted with Auto-Owners, Nationwide, and a few others for my 4Runner and I think I am saving around $40 each month.

  10. Evalyn Hanson

    I drive uninsured.

  11. Jerry Cross

    I live in Baton Rouge, LA. I quoted with Amica, Erie, and Mercury for my 4Runner and I’m now saving $39 a month. Left USAA to switch. It’s easy to compare rates online now.