Compare 2014 Toyota 4Runner Insurance Rates

No one loves paying for car insurance, in particular when they could get a better deal.

Drivers have multiple car insurance companies to choose from, and although it’s nice to be able to choose, too many choices makes it more difficult to find the best rates for your vehicles.

The purpose of this article is to familiarize you with the best way to quote coverages and some tips to save money. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this information. But vehicle owners must learn the methods companies use to sell insurance online and take advantage of how the system works.

Cheap auto insurance

There are a lot of ways to shop for auto insurance, but one way is more efficient than others. You can spend your afternoon discussing policy coverages with agents in your area, or you could save time and use online quoting to maximize your effort.

Many companies belong to a marketplace where prospective buyers complete one form, and at least one company then gives them pricing based on that data. This prevents consumers from doing quote forms for each company. To fill out one form to compare multiple rates now click here (opens in new window).

The only downside to getting quotes like this is you can’t choose which insurance companies to get quotes from. If you would rather choose specific insurance companies to compare prices, we have a listing of the cheapest auto insurance companies in your area. Click to view list.

However you get your quotes, make absolute certain that you use nearly identical coverage information for every company. If you compare different data you will not be able to find the best deal for your Toyota 4Runner. Just a small difference in limits could skew the results. Just remember that making a lot of price comparisons will enable you to find the best price.

Drivers save money with these rate-reducing discounts

Car insurance companies don’t always advertise the entire discount list very clearly, so we took the time to find a few of the more common as well as the least known credits that you can use to lower your rates.

  • Driver’s Education for Students – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
  • No Claims – Drivers who stay claim-free are rewarded with significantly better rates on car insurance quote when compared to policyholders that have many claims.
  • Seat Belt Discounts – Drivers who require all occupants to buckle up before driving can save a little off the personal injury premium cost.
  • Anti-lock Brake Discount – Cars with ABS braking systems or traction control prevent accidents and the ABS can save up to 10%.
  • Senior Citizen Discount – Seniors may receive a small discount on rates for 4Runner coverage.
  • Paper-free Discount – Many companies give back up to $50 for buying your policy on your computer.
  • Discounts for Multiple Vehicles – Purchasing coverage when you have multiple cars on one policy can reduce the rates for all insured vehicles.
  • Multiple Policy Discount – If you can combine your auto and home policy and place coverage with the same company they may give you a discount of at least 10 to 15 percent or more.
  • Discount for Swiching Early – Select auto insurance companies give a discount for switching to them before your current policy expires. It can save you around 10%.
  • Good Students Pay Less – A discount for being a good student may save as much as 25% on a car insurance quote. The good student discount can last well after school through age 25.

As a footnote on discounts, some of the credits will not apply to your bottom line cost. Most only apply to specific coverage prices like comp or med pay. Even though it may seem like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

A partial list of companies that may have these discounts possibly include:

Before buying, ask all companies you are considering which credits you are entitled to. Some credits might not be offered everywhere. If you would like to view auto insurance companies with the best auto insurance discounts, click here to view.

Do I need special coverages?

When choosing adequate coverage, there really is no best way to insure your cars. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions could help you determine whether or not you may require specific advice.

  • Is my nanny covered when driving my vehicle?
  • Is my 2014 Toyota 4Runner covered for flood damage?
  • Is extra glass coverage worth it?
  • What are the financial responsibility laws in my state?
  • Should I bundle my homeowners policy with my auto?
  • Will filing a claim cost me more?
  • Am I covered when delivering products for my home-based business?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area.

Get more affordable auto insurance with these tips

It’s important that you understand some of the factors that are used to determine the level of your policy premiums. When consumers understand what positively or negatively impacts your premiums, this enables you to make decisions that will entitle you to cheaper rates. Many things are taken into consideration when pricing auto insurance. Most are fairly basic such as your driving history, but other factors are less apparent like where you live or your financial responsibility.

  • Men are more aggressive – Over time, data shows women are more cautious behind the wheel. However, don’t assume that females are better drivers. Men and women cause fender benders at about the same rate, but men tend to have more serious accidents. Men also receive more costly citations such as DWI and reckless driving. Teenage male drivers cause the most accidents so it costs more to insure them.
  • Responsible drivers pay lower premiums – A bad driving record influences premium rates substantially. Good drivers tend to pay less for car insurance compared to bad drivers. Only having one driving citation could increase your next policy renewal forty percent or more. Drivers who have gotten multiple violations like reckless driving or DUI may face state-mandated requirements to submit a SR-22 form with their state in order to legally drive a vehicle.
  • Costs and your address – Choosing to live in less populated areas of the country can save you money when talking about auto insurance. Less people living in that area corresponds to lower accident rates in addition to lower liability claims City drivers regularly have more auto accidents and more severe claims. More time on the road translates into higher accident risk.
  • Reserve auto insurance claims for larger damages – If you are a frequent claim filer, don’t be surprised to see increased rates or even have your policy non-renewed. Companies provide better rates to insureds who are not frequent claim filers. Your car insurance is intended for larger claims.
  • Drive less and get lower prices – The more miles you rack up on your Toyota in a year the higher your rates will be. Most companies apply a rate partially by how you use the vehicle. Cars and trucks that sit idle most of the time can get a lower rate than cars that get driven a lot. An improperly rated 4Runner can cost quite a bit. It’s a smart idea to ensure your auto insurance declarations sheet states how each vehicle is driven.

Does insurance advertising bend the truth?

Insurance providers like State Farm, GEICO and Progressive endlessly run television, radio, and online ads. All the ads tend to make the same promise that people will save if you change your policy. How can each company charge you less for car insurance? This is the way they can do it.

Insurance companies quote their best rates for a prospective insured that makes them money. For instance, this type of insured may need to be over the age of 50, has no driving citations, and has a short commute. Any new insured who fits those characteristics will probably get cheap car insurance rates and as a result will probably save a lot if they switch.

Potential insureds who cannot meet this ideal profile may be forced to pay a higher rate and this results in business not being written. The trick companies use is to say “drivers that switch” but not “everyone who gets a quote” save that much money. That’s why companies can truthfully advertise the way they do.

This really drives home the point why it is so important to compare free car insurance quotes often. It’s just not possible to know the company that will have the best premium rates at this point in time.

Detailed coverages of your insurance policy

Learning about specific coverages of your policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types available from insurance companies.

Comprehensive coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like theft, hail damage, rock chips in glass and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability car insurance

Liability coverage protects you from damage that occurs to other’s property or people in an accident. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for claims like loss of income, court costs, legal defense fees, funeral expenses and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and damage to your Toyota 4Runner.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision insurance

This pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a parking meter, sustaining damage from a pot hole and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as doctor visits, funeral costs and EMT expenses. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Save your hard earned cash

As you go through the steps to switch your coverage, do not reduce coverage to reduce premium. There have been many situations where someone dropped collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your objective should be to buy the best coverage you can find for the lowest price while still protecting your assets.

Cheap 2014 Toyota 4Runner insurance can be found from both online companies in addition to local insurance agencies, and you need to comparison shop both in order to have the best price selection to choose from. A few companies do not provide online rate quotes and many times these smaller companies only sell coverage through local independent agents.

Even more information is available at these sites:

Comments About 2014 Toyota 4Runner Insurance

  1. Vince Hall

    From south side of Salem, OR. Got quotes from Hanover, AIG Insurance, Nationwide, and a couple others for my Toyota and am saving around $190 a year. :P

  2. Shawnda Richards

    Checking in from Nashua, NH. Got rates from AIG Insurance, Safeco, and Travelers for my Toyota and I’m now saving $56 a month.

  3. Nigel Briggs

    I’ve had State Farm for years. I’m in Hilo, Hawaii.

  4. Davida Barnett

    Enjoyed the article. Found cheapest coverage with USAA for my 4Runner and am saving around $240 a year. Thankfully I have a good driving record.

  5. Steffanie Hebert

    I’m in Jersey City, NJ. Got car insurance prices from Progressive, Encompass, and Hanover for my Toyota and saved around $520 a year. Was with Safeco. Hardly afford to drive anymore.

  6. Danille Thomas

    From Fort Wayne, Indiana and for me 21st Century had the lowest quote. I used their website to get prices.

  7. Cheri Buckley

    Got pretty cheap 2014 Toyota 4Runner insurance from State Farm in Dover, DE.

  8. Lavada Lee

    Do I have to carry car insurance in Nebraska?

  9. Ceola Holt

    Anyone understand their policy?

  10. Nanci Munoz

    I’m in Bridgeport, Connecticut, and State Farm rates were affordable.

  11. Kathline Watson

    Great info, thanks for posting. Located in Rio Rancho, New Mexico. Quoted with Western Auto Insurance, AIG Insurance, GMAC, and MetLife for my Toyota and cut my rates about $430 a year. Not sure about claim service.

  12. Kena Hartman

    I live in Salt Lake City, UT. I quoted with GEICO, Hartford, and Erie for my Toyota and I think I am saving around $20 each month. Was with Western Auto Insurance. I get lower rates because of my clean driving record. :P

  13. Domingo Ballard

    Liked the article. I’m in Chesapeake, VA. Got free quotes online for a 2014 Toyota 4Runner. Ended up at about $510 savings annually. Went with Allstate. They offer free online rate quotes.

  14. Cornelia Chandler

    I found pretty cheap rate quotes for a 2014 Toyota 4Runner in Grand Rapids, MI. Ended up at right around $400 every six months with Auto-Owners. Left Mercury to switch. I have a couple other vehicles on the policy.

  15. Berry Stanley

    Is Allstate cheaper than American Family in Providence, RI?

  16. Aurea Heath

    I live in a small town just outside of Aurora, IL. Quoted a bunch of companies. Saved darn near $40 a month. 21st Century was the most affordable for me. Left Travelers to switch. Even increased my liability limits. Might find lower rates online.

  17. Herma Bush

    I found pretty cheap rate quotes for a 2014 Toyota 4Runner in Saint Paul, MN. Ended up at roughly $310 every six months with Amica. I’m a pretty low risk driver.

  18. Laurice Harrison

    Just my two cents. I’m in Rapid City, South Dakota. Can’t remember who all I quoted but I ended up saving about $50 each month. Insured with Liberty Mutual before. I think they have home insurance too.