View 2013 Toyota 4Runner Insurance Cost

Searching for the cheapest auto insurance rates for your Toyota 4Runner? Are you drained from wondering where the money will come from each month for auto insurance? You have the same problem as most other consumers. Insurance companies such as Geico and Progressive all promote huge savings with catchy ads and it can be hard to ignore the flashy ads and do the work needed to find the best deal.

It’s a good habit to compare premium rates on a regular basis due to the fact that insurance rates are usually higher with each renewal. Just because you had the best rate on 4Runner insurance a few years ago you can probably find a better price now. You can search a lot of auto insurance online, but in this article, you’re going to get some good information on how to stop overpaying for insurance.

Compare insurance coverage rates

There are multiple methods to shop for insurance coverage, but there is one way that is less labor-intensive and much quicker. You could spend the better part of a day talking to local insurance agents in your area, or you can utilize online quotes to get rate comparisons in just a few minutes.

Many companies take part in a program where prospective buyers only type in their quote data once, and at least one company provides a quote based on the submitted data. This saves time by eliminating form submissions for each company.

To find out how much you’re overpaying now click here (opens in new window).

The only drawback to comparing rates this way is you can’t choose which insurance companies to get quotes from. If you would rather choose from a list of companies to receive pricing from, we put together a list of insurance coverage companies in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but make sure you are using apples-to-apples coverages and limits with every price quote. If you enter different data then you won’t be able to truly determine the lowest rate.

These discounts can lower your auto insurance quotes

Insuring your vehicles can cost a lot, but you might find some hidden discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time you complete a quote, but a few must be specially asked for prior to getting the savings. If you’re not getting every credit you deserve, you are just wasting money.

  • Student Discounts – This discount could provide a savings of up to 20% or more. The good student discount can last up until you turn 25.
  • Drivers Education – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education in school.
  • College Student Discount – Children who are attending college and do not take a car to college could qualify for this discount.
  • Active Military Service – Being deployed with a military unit could qualify you for better rates.
  • Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle up before driving can save a little off the medical payments premium.

As a footnote on discounts, some of the credits will not apply to your bottom line cost. The majority will only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. Any qualifying discounts will definitely reduce your premiums.

To view insurers that offer discounts, click here to view.

Why smart buyers pay less for Toyota 4Runner insurance

One of the most helpful ways to save on auto insurance is to to have a grasp of a few of the rating criteria that help determine your policy premiums. When you know what positively or negatively influences your rates, this enables informed choices that will entitle you to lower premium levels.

  • Infrequent drivers can save – Driving a lot of miles in a year the more you’ll pay to insure it. Almost all companies apply a rate based on how the vehicle is used. Vehicles not used for work or commuting qualify for better rates compared to those used for work or business. Having the wrong rating on your 4Runner can cost quite a bit. Verify your policy is showing the right rating data, because it can save money.
  • Excellent credit means lower costs – A driver’s credit score is likely to be a major factor in calculating your auto insurance rates. People with excellent credit scores tend to be more responsible as compared to drivers with poor credit. If your credit history could use some work, you could be paying less to insure your 2013 Toyota 4Runner by taking the time to improve your credit score.
  • Accidents mean higher costs – Drivers who don’t get tickets pay lower auto insurance prices than bad drivers. Even one speeding ticket or other violation could increase your next policy renewal twenty percent or more. Drivers who get license-revoking tickets such as hit and run, DWI or reckless driving convictions are required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to drive a vehicle legally.
  • Small coverages can add up – There are a lot of extra bells and whistles that sound like a good idea at the time when buying auto insurance. Coverages like rental car coverage, death and dismemberment, and term life insurance may be costing you every month. These coverages may sound good when you first buy your policy, but if you’ve never needed them in the past think about removing them and cutting costs.

Different people need different auto insurance coverages

When choosing proper insurance coverage for your personal vehicles, there really is no best way to insure your cars. Every insured’s situation is different so this has to be addressed. For example, these questions might help in determining whether you might need professional guidance.

  • Are rental cars covered under my policy?
  • Does my policy cover me when driving someone else’s vehicle?
  • Where can I find DUI or SR-22 insurance?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • If my 2013 Toyota 4Runner is totaled, can I afford another vehicle?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Will my rates increase for filing one claim?
  • Does coverage extend to Mexico or Canada?
  • Do I need added coverage for expensive stereo equipment?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Car insurance coverage information

Having a good grasp of a car insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are the normal coverages found on the average car insurance policy.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Toyota 4Runner.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these limits do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like funeral costs, surgery, prosthetic devices and hospital visits. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. It covers you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision protection

This pays for damage to your 4Runner resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as colliding with a tree, colliding with another moving vehicle and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from flooding, damage from a tornado or hurricane and vandalism. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability insurance

This will cover damage or injury you incur to a person or their property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as pain and suffering, funeral expenses, bail bonds, medical expenses and court costs. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

A penny saved is a penny earned

Discount 2013 Toyota 4Runner insurance is attainable from both online companies and also from your neighborhood agents, so get free insurance coverage quotes from both of them to get a complete price analysis. A few companies may not have rates over the internet and usually these regional carriers only sell through independent insurance agencies.

When you buy insurance coverage online, it’s not a good idea to reduce coverage to reduce premium. There have been many situations where an insured dropped physical damage coverage and learned later that the few dollars in savings costed them thousands. Your objective should be to find the BEST coverage for the lowest price while not skimping on critical coverages.

More tips and info about insurance coverage is located in these articles:

Comments About 2013 Toyota 4Runner Insurance

  1. Jin Roman

    Got a quote with GMAC for my 4Runner and saved about $560 a year.

  2. Aisha Koch

    Will Progressive cancel if I have a claim?

  3. Ray Huber

    From Gaithersburg, MD. Quoted a bunch of companies. Saved right around $20 a month. State Farm was the cheapest for me. Wish I didn’t have to insure at all.

  4. Marcene Stokes

    If you have a good history and live in the vicinity of San Antonio, TX, check out 21st Century. You might save some money. It’s easy to compare rates online now.

  5. Kimberely Rowland

    Cheaper not always better. I live on the west side of Las Cruces, NM. Quoted rates from Auto-Owners, Sentry, and a few others for my 4Runner and am saving around $340 a year. Even increased my liability limits. Online quotes are the way to go.

  6. Kenyetta Davis

    Proud to be from Biloxi, Mississippi. Quoted prices online for a 2013 Toyota 4Runner. Ended up at about $180 savings annually. Went with GEICO.

  7. Zoe Valenzuela

    Great site. Got a quote with American Family for my 4Runner and saved around $170 a year. Left 21st Century to switch.

  8. Margot Savage

    All companies are crooks. Went with Hartford for my Toyota and saved around $360 a year. Teenage drivers are expensive! It’s still not cheap enough.

  9. Thu Frye

    I got decent rates for a 2013 Toyota 4Runner in Great Falls, MT. Ended up at roughly $410 every six months with AIG Insurance. God forbid I actually have a claim.

  10. Mertie Curry

    I found affordable 2013 Toyota 4Runner insurance from 21st Century in Kansas City, KS.

  11. Whitney Strickland

    This is too expensive. I’m in the north part of Frederick, MD. I quoted with Auto-Owners, Mercury, and a few others for my Toyota and saved $441 a year. I get multi-vehicle and multi-policy discounts.