Cheap 2011 Toyota Land Cruiser Insurance Quotes

No car owner likes having to buy insurance coverage, in particular when their premiums are through the roof. There are many insurers to insure vehicles with, and even though it’s nice to be able to choose, too many choices makes it more difficult to find the lowest cost provider.

It’s a good habit to quote other rates on a regular basis since prices are usually higher with each renewal. If you had the lowest rates for Land Cruiser insurance at your last renewal there is a good chance you can find better rate quotes now. Block out anything you think you know about insurance coverage because you’re going to learn the fastest and easiest way to remove unneeded coverages and save money.

Choosing the best insurance company for you is quite easy. If you currently have a car insurance policy, you should be able to cut costs considerably using these methods. Vehicle owners only need an understanding of the best way to get comparison quotes online.

First Step: Get free auto insurance quotes

There are several ways you can shop for auto insurance but one way is more efficient than others. You could spend the better part of a day driving to insurance agencies in your area, or you can stay home and use online quoting to quickly compare rates.

Most of the best insurance companies participate in an industry program where insurance shoppers submit one quote, and every company returns a competitive quote. This saves time by eliminating repetitive form submissions for each company.

To compare pricing click here to start a free quote.

The one disadvantage to comparing rates this way is you are unable to specify which insurance companies to get quotes from. So if you want to select specific providers to receive pricing from, we have assembled a list of companies who write auto insurance in your area. Click to view list.

Whichever method you choose, be sure to compare nearly identical coverages for every company. If you are comparing different deductibles it will be nearly impossible to get a fair rate comparison.

Can you really save if you switch?

Consumers can’t avoid all the ads for car insurance savings by companies like State Farm, Geico and Progressive. They all seem to try to convey promises that you’ll save big after switching your coverage to them.

How do they all offer you a better deal? This is how they do it.

Companies provide the lowest rates for a prospective insured that earns them a profit. One example of this type of driver may be over the age of 40, has a clear driving record, and drives less than 10,000 miles a year. Anybody who fits those characteristics gets the lowest auto insurance rates and have a good chance to cut their rates if they switch.

Consumers who cannot meet those standards may be forced to pay higher premiums which leads to the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “everyone that quotes” will save that much if they switch. That’s the way insurance companies can confidently lure you into getting a quote. Each company has different criteria, so you absolutely need to do a price quote comparison at every renewal. It’s just not possible to know which company will give you the biggest savings.

Smart consumers save on insurance

It’s important that you understand some of the elements that help calculate your auto insurance rates. If you know what impacts premium levels, this allows you to make educated decisions that may reward you with lower auto insurance prices. Multiple criteria are part of the equation when you get a price on insurance. Most are fairly basic such as traffic violations, although some other factors are more transparent like where you live or how safe your car is.

The itemized list below are some of the major factors companies use to determine your premiums.

• Good drivers pay lower rates – Good drivers pay lower auto insurance prices than their less careful counterparts. Even a single chargable violation can boost insurance rates by twenty percent. Drivers with dangerous tickets like hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) with their state DMV in order to drive a vehicle legally.
• Save by driving safer cars – Cars with five star safety ratings can get you lower premiums. Vehicles engineered for safety reduce injuries and fewer serious injuries translates directly to fewer claims and cheaper rates on your policy. If your Toyota Land Cruiser is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
• Gender as a rate factor – Over the last 30 years, statistics show women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Men and women are responsible for at-fault accidents at about the same rate, but the males have costlier accidents. Men also statistically get ticketed for serious violations like DUI and reckless driving. Young men ages 16 to 20 are the most expensive to insure and therefore are the most expensive to insure.
• Alarms and GPS tracking lower premiums – Purchasing a vehicle with a theft deterrent system can save you some money. Advanced theft deterrents such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop auto theft and help lower rates.
• Lower rates come with age – Drivers with little experience are statistically proven to be inattentive and easily distracted when driving so auto insurance rates are higher. Parents adding a beginning driver to your auto insurance policy can cause a big jump in price. Older drivers are more cautious drivers, file fewer claims , and usually have better credit.
• Mileage impacts premiums – The higher the mileage driven each year the higher your rates will be. A lot of insurance companies calculate prices based upon how much you drive. Autos that have low annual miles get more affordable rates as compared to vehicles used primarily for driving to work. It’s a good idea to make sure your declarations sheet reflects the correct usage for each vehicle, because improper ratings can cost you money. An incorrectly rated Land Cruiser is throwing money out the window.
• Discounts for married couples – Walking down the aisle helps lower the price on auto insurance. Having a significant other may mean you are less irresponsible and statistics show married drivers tend to have fewer serious accidents.
• Prices increase with policy add-ons – There are a ton of optional add-on coverages that you can buy on your Land Cruiser policy. Insurance for roadside assistance, better glass coverage, and extra equipment coverage are some examples. These coverages may sound good when discussing your needs, but if they’re wasting money consider taking them off your policy.

These discounts can lower auto insurance rates

Car insurance is not cheap, but companies offer discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you get a quote, but occassionally some discounts must be asked for before being credited.

• Driver’s Ed – Require your teen driver to complete a driver education course in school.
• Multiple Vehicles – Buying insurance for multiple cars or trucks on one policy can reduce the rates for all insured vehicles.
• Payment Discounts – If you can afford to pay the entire bill instead of monthly or quarterly installments you could save 5% or more.
• Home Ownership Discount – Just owning your own home may trigger a policy discount on auto insurance due to the fact that maintaining a home demonstrates responsibility.
• Lower Rates for Military – Being on active duty in the military could qualify you for better auto insurance rates.
• Federal Employees – Employees or retirees of the government may reduce rates when you quote insurance coverage for Land Cruiser insurance with select insurance companies.
• Discount for Life Insurance – Auto insurance companies who offer life insurance give a small discount if you purchase some life insurance in addition to your auto policy.
• Drive Safe and Save – Insureds without accidents can save up to 40% or more on their insurance coverage quote for Land Cruiser insurance compared to rates paid by drivers with frequent claims.
• Bundled Policy Discount – If you can combine your auto and home policy and insure them with the same company you may earn over 10 percent off each policy depending on the company.

A quick disclaimer, many deductions do not apply the the whole policy. Some only apply to specific coverage prices like physical damage coverage or medical payments. Just because you may think you would end up receiving a 100% discount, companies don’t profit that way.

Companies and a selection of discounts include:

• AAA has discounts for anti-theft, multi-policy, good driver, pay-in-full, AAA membership discount, multi-car, and good student.
• Progressive may include discounts for continuous coverage, online signing, multi-vehicle, multi-policy, good student, homeowner, and online quote discount.
• State Farm may have discounts that include Drive Safe & Save, passive restraint, good driver, safe vehicle, and multiple policy.
• Esurance may offer discounts for claim free, homeowner, Switch & Save, online shopper, multi-policy, and online quote.
• Nationwide has savings for business or organization, defensive driving, good student, anti-theft, multi-policy, Farm Bureau membership, and easy pay.

When getting a coverage quote, ask all the companies how you can save money. Depending on the company, some discounts may not apply to policyholders everywhere. To see insurance companies that offer some of these discounts, follow this link.

When do I need an agent’s advice?

When buying coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions may help highlight if your insurance needs might need an agent’s assistance.

• Am I covered when driving in Canada or Mexico?
• When would I need rental car insurance?
• Is my teen driver covered when they drive my company car?
• Can I afford to pay high deductible claims out of pocket?
• Is my trailer covered?
• Am I insured when driving a different vehicle?
• Will my rates increase for filing one claim?
• Should I rate my 2011 Toyota Land Cruiser as pleasure use or commute?
• What vehicles should carry emergency assistance coverage?
• Do I have coverage if my license is suspended?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverages explained

Learning about specific coverages of a insurance policy aids in choosing appropriate coverage for your vehicles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are the usual coverages available from insurance companies.

Liability auto insurance

This can cover injuries or damage you cause to people or other property in an accident. This coverage 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 for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like repair costs for stationary objects, repair bills for other people’s vehicles, pain and suffering, loss of income and structural damage. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Collision coverage protection

This pays for damage to your Land Cruiser from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like sideswiping another vehicle, colliding with a tree, crashing into a ditch, damaging your car on a curb and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, vandalism and damage from a tornado or hurricane. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Toyota Land Cruiser.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for short-term medical expenses such as nursing services, prosthetic devices, EMT expenses and dental work. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Stretch your dollar

As you shop your coverage around, it’s a bad idea to skimp on critical coverages to save a buck or two. In many instances, drivers have reduced collision coverage and found out when filing a claim that it was a big error on their part. Your focus should be to purchase a proper amount of coverage at the best cost.

We’ve covered some good ideas how you can save on 2011 Toyota Land Cruiser insurance. The most important thing to understand is the more times you quote, the higher the chance of saving money. Drivers may discover the lowest priced insurance comes from some of the smallest insurance companies. Smaller companies can often insure niche markets at a lower cost compared to the large companies like Allstate, Geico and Progressive.

The cheapest 2011 Toyota Land Cruiser insurance can be purchased on the web and from local agencies, so you need to quote insurance coverage with both to have the best selection. A few companies do not offer internet price quotes and many times these smaller companies only sell coverage through independent agencies.

More tips and info about insurance is available by following these links:

• Uninsured Motorist Statistics (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)
• Collision Coverage (Liberty Mutual)
• Auto Theft Statistics (Insurance Information Insitute)