How Much Does 2013 Toyota Land Cruiser Car Insurance Cost?

Having to pay for high-priced Toyota Land Cruiser insurance can stress out your savings and force you to tighten up your finances. Doing a price comparison can save money and help to slash your bill and have more diposable income.

Many car insurance companies compete to insure your vehicles, so it can be very hard to choose a insurance company and get the best coverage at the best rates possible.

First Step: Get free auto insurance quotes

There are a lot of ways to shop for auto insurance, and some are easier and takes less work. You could spend the better part of a day talking to agents in your area, or you can utilize the web to get the quickest rates.

Most of the larger companies enroll in a system that allows shoppers to submit one quote, and every company provides a quote based on that information. This saves time by eliminating quote forms to each individual auto insurance company.

To find out how much you’re overpaying now click to open in new window.

The one downside to pricing coverage this way is buyers cannot specifically choose which companies you want to price. So if you prefer to choose specific insurance companies to compare rates, we have assembled a list of the cheapest auto insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but compare identical coverages and limits on every price quote you get. If you compare different values for each quote you will not be able to make a fair rate comparison. Just slight variations in coverages may result in a large different in cost. Keep in mind that obtaining a wide range of quotes will increase your chances of finding the best price.

Drivers can save with these money-saving discounts

Insurance coverage is not cheap nor is it fun to buy but there’s a good chance there are discounts that could drop your premiums quite a bit. Certain reductions will be credited at the time of purchase, but occassionally some discounts must be specifically requested before they will apply.

• Theft Deterent Discount – Vehicles that have factory anti-theft systems prevent vehicle theft and will qualify for a discount on a auto insurance quote.
• Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may have a lower total premium amount.
• Save over 55 – Drivers that qualify as senior citizens can get reduced rates for Land Cruiser coverage.
• Include Life Insurance and Save – Some insurance coverage companies give lower prices if you buy some life insurance in addition to your auto policy.
• Seat Belt Usage – Requiring all passengers to buckle up before driving could cut 10% or more off the PIP or medical payment premium.
• Passenger Safety Discount – Cars that have air bags or motorized seat belts may qualify for discounts as much as 30%.
• Active Service Discounts – Having an actively deployed family member could be rewarded with lower insurance coverage rates.
• Driver Education Discount – It’s a good idea to have your young drivers sucessfully take a drivers education course in high school.
• New Vehicle Savings – Insuring a vehicle that is new is cheaper because new model year vehicles are generally safer.
• Student Discounts – Excelling in school could provide a savings of up to 20% or more. Many companies even apply the discount to college students well after school through age 25.

One thing to note about discounts is that some credits don’t apply to your bottom line cost. Some only reduce specific coverage prices like comprehensive or collision. So even though you would think all those discounts means the company will pay you, company stockholders wouldn’t be very happy. Any qualifying discounts will help lower your overall bill.

Auto insurance companies who might offer most of the discounts above may include but are not limited to:

• Geico
• MetLife
• Progressive
• Travelers
• SAFECO
• AAA

If you are trying to find low cost auto insurance quotes, ask every company to give you their best rates. A few discounts may not be offered in your state. To find companies that can offer you the previously mentioned discounts, follow this link.

How you can control Toyota Land Cruiser insurance prices

When buying insurance coverage it’s important to understand some of the elements that help determine the rates you pay for insurance coverage. When you know what positively or negatively determines premiums, this allows you to make good choices that will entitle you to big savings. Many factors are taken into consideration when you quote your car insurance policy. Some are obvious such as your driving history, but some are more obscure like where you live or your vehicle rating.

The items below are most of the major factors companies use to determine your prices.

• Alarms and GPS tracking lower prices – Buying a car with an alarm system can save you a little every year. Theft prevention devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent car theft.
• Better premiums on vehicles with better crash test results – Cars with high safety ratings get lower rates. The safest vehicles reduce injuries and lower rates of occupant injuries means lower claim amounts and lower rates for you. If your Toyota Land Cruiser scored at minimum four stars on Safercar.gov you are probably receiving a discount.
• Low coverage deductibles can be expensive – Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your Toyota from damage. A few examples of covered claims could be a broken side mirror, flood damage, and windstorm damage. The deductibles you choose are the amount of money you are willing to pay out-of-pocket before your insurance coverage pays a claim. The more damage repair cost the insured has to pay upfront, the less money you will pay for insurance coverage for Land Cruiser coverage.
• Allowing your insurance coverage policy to lapse raises prices – Driving without insurance coverage in place is not a good idea and your next policy will cost more because you let your insurance expire. In addition to paying higher rates, failure to provide proof of insurance might get you a revoked license or a big fine. You may then have to file a SR-22 with your state motor vehicle department to get your license reinstated.
• Liability is critical – The liability coverage on your policy kicks in in the event that you are ruled to be at fault for causing personal injury or damage in an accident. Liability provides legal defense starting from day one. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
• Avoid unnecessary incidental coverages – There are quite a few additional coverages that can add up on your Land Cruiser policy. Insurance for replacement cost coverage, accidental death, and membership fees could be just wasting money. These coverages may sound good when talking to your agent, but now you might not need them so eliminate them to save money.
• Too many insurance claims drive up insurance coverage rates – If you’re an insured who likes to file claims you should expect much higher rates or policy non-renewal. Companies award the best rates to insureds who are not frequent claim filers. Auto insurance is intended for the large, substantial claims.

Do I need special coverages?

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions can aid in determining whether or not you may require specific advice.

• Am I covered when driving on a suspended license?
• Why am I required to buy high-risk coverage?
• Does coverage extend to my business vehicle?
• Can I rent a car in Mexico?
• Are there companies who specialize in insuring high-risk drivers?
• Does car insurance cover theft of personal property?
• Can I afford low physical damage deductibles?
• Do I really need UM/UIM coverage?
• Does my 2013 Toyota Land Cruiser need full coverage?
• Do I need PIP (personal injury protection) coverage in my state?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area.

Insurance policy coverages for a Toyota Land Cruiser

Knowing the specifics of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by insurance companies.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as theft, hitting a bird, a tree branch falling on your vehicle and hitting a deer. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage

This will pay to fix damage to your Land Cruiser from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a building, backing into a parked car, scraping a guard rail, crashing into a ditch and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability coverages

This coverage can cover injuries or damage you cause to other people or property that is your fault. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for things such as emergency aid, pain and suffering, structural damage, legal defense fees and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like surgery, nursing services, hospital visits, doctor visits and ambulance fees. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits are identical to your policy’s liability coverage.

A little work can save a LOT of money

There are still a few companies who may not offer the ability to get a quote online and these regional insurance providers only sell through independent agencies. Discount 2013 Toyota Land Cruiser insurance is attainable online as well as from independent agents, and you should be comparing both to have the best chance of lowering rates.

We just presented many ideas to save on 2013 Toyota Land Cruiser insurance. The key thing to remember is the more times you quote, the higher the chance of saving money. You may even discover the lowest rates are with a lesser-known regional company. They may cover specific market segments cheaper than their larger competitors like Allstate and Progressive.

Much more information about insurance can be found below:

• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Young Drivers: The High Risk Years Video (iihs.org)
• Auto Insurance Basics (Insurance Information Insitute)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Child Safety Seats (Insurance Information Insitute)
• Prom Night Tips for Teen Drivers (State Farm)