2018 Toyota Land Cruiser Insurance Rates – 7 Policy Discounts

Searching for cheaper insurance for a new or used Toyota Land Cruiser could be an all-consuming task, but you can follow our car insurance buying tips and make it easy. There is a right way and a wrong way to buy car insurance so we’re going to tell you the absolute fastest way to quote coverages for your Toyota and locate the best price possible.

You should take the time to check car insurance prices before your policy renews because rates change regularly. Even if you got the best rate for Land Cruiser insurance a year ago there may be better deals available now. There is lot of inaccurate information about car insurance on the web, but I’m going to show you some excellent ideas to buy car insurance cheaper.

How to compare free insurance price quotes

Most companies like State Farm, Geico and Progressive provide insurance quotes online. The process is pretty painless because it’s just a matter of typing in the coverage amounts you desire into the quote form. Once you submit the form, their quoting system pulls your driving record and credit report and provides a quote based on the information you submitted.

Online quotes streamlines rate comparisons, but the time it takes to visit each company’s website and repetitively type in the same data is a big time waster. But it’s necessary to compare as many rates as possible if you want to find the lowest possible prices on insurance.

There is an easier way!

The quickest way to lower your insurance bill uses one form to get prices from several companies at one time. It saves time, helps eliminate reptitive entry, and makes online price comparison much simpler. As soon as the form is sent, it gets priced and you can choose any one of the returned quotes. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. The whole process only takes a few minutes and you will find out if you’re overpaying now.

In order to fill out one form to compare multiple rates now, click here to open in new window and submit your coverage information. If you have coverage now, it’s recommended you replicate coverages and limits exactly as they are listed on your policy. Doing this guarantees you are getting an apples-to-apples comparison based on identical coverages.

Cheaper car insurance rates with discounts

Companies offering auto insurance do not list the complete list of policy discounts very clearly, so we break down some of the best known and the more hidden credits available to you.

• Safety Restraint Discount – Forcing all vehicle occupants to buckle up before driving can save 10% or more off the personal injury premium cost.
• First Accident Forgiveness – Not necessarily a discount, but companies like State Farm, Progressive and Geico will turn a blind eye to one accident without raising rates if you have no claims prior to being involved in the accident.
• Good Student Discount – A discount for being a good student could provide a savings of up to 20% or more. The discount lasts up until you turn 25.
• Active Military Service – Having a family member in the military could trigger a small discount.
• Driver’s Education for Students – Require your teen driver to complete a driver education course as it will make them better drivers and lower rates.
• Multiple Vehicles – Having more than one vehicle on the same car insurance policy can get a discount on all vehicles.
• Anti-theft Discount – Anti-theft and alarm system equipped vehicles help deter theft and qualify for as much as a 10% discount.

Please keep in mind that some of the credits will not apply to all coverage premiums. A few only apply to specific coverage prices like collision or personal injury protection. Even though it appears you would end up receiving a 100% discount, you’re out of luck.

Auto insurance companies that may have many of the previously listed discounts include:

• 21st Century
• State Farm
• AAA
• Liberty Mutual
• Progressive

Before you buy a policy, ask all the companies to give you their best rates. Some of the earlier mentioned discounts might not apply in your area. To find insurance companies that provide some of the discounts listed above, click this link.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage, there really is no single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining if your insurance needs might need an agent’s assistance.

• I have a DUI can I still get coverage?
• Does my 2018 Toyota Land Cruiser qualify for pleasure use?
• Does my insurance cover a custom paint job?
• Why am I required to buy liability insurance?
• Which companies will insure high-risk drivers?
• Am I missing any policy discounts?
• Am I covered when using my vehicle for business?
• Can I afford low physical damage deductibles?
• Should I get collision insurance on every vehicle?

If it’s difficult to answer those questions, you may need to chat with an agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverages

Having a good grasp of a car insurance policy aids in choosing appropriate coverage for your vehicles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.

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

Collision coverage protects against claims such as hitting a parking meter, crashing into a building, backing into a parked car and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Med pay and PIP coverage pay for expenses for nursing services, dental work, funeral costs, doctor visits and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Liability auto insurance – This coverage protects you from damage or injury you incur to people or other property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like structural damage, funeral expenses, pain and suffering and court costs. How much coverage you buy is a personal decision, but buy as much as you can afford.

Uninsured/Underinsured Motorist coverage – This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your Toyota Land Cruiser.

Due to the fact that many drivers 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 very important.

Comprehensive coverage – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as fire damage, damage from getting keyed, damage from flooding, theft and hitting a bird. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.