Compare 1998 Toyota Land Cruiser Insurance Rates

Trying to find the cheapest insurance rates for your Toyota Land Cruiser? Searching for the cheapest insurance for a Toyota Land Cruiser could be difficult, but you can learn the following methods to save time. There are both good and bad ways to shop for insurance so we’re going to tell you the best way to price shop coverage on a Toyota and obtain the lowest price either online or from local insurance agents.

Cheaper insurance coverage rates with discounts

Car insurance companies don’t always publicize the complete list of policy discounts very clearly, so we researched some of the best known as well as some of the hidden credits available to you.

  • Driver Safety – Taking time to complete a course that instructs on driving safety is a good idea and can lower rates depending on where you live.
  • Homeowners Pay Less – Just being a homeowner can help you save on insurance coverage since home ownership means you have a higher level of financial diligence.
  • Early Switch Discount – A few larger companies offer discounts for buying a new policy prior to your current policy expiring. It can save you around 10%.
  • Safe Driver Discount – Insureds who avoid accidents can get discounts for up to 45% lower rates for Land Cruiser coverage compared to accident prone drivers.
  • Discount for New Cars – Adding a new car to your policy can cost up to 25% less because newer models are generally safer.

Remember that some of the credits will not apply to all coverage premiums. Most only cut specific coverage prices like physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, it just doesn’t work that way.

A partial list of companies that may have these benefits include:

If you are trying to find cheaper insurance coverage quotes, ask each company or agent to apply every possible discount. All car insurance discounts may not apply to policies in your area. To choose insurance companies that offer some of these discounts, click here.

Shop auto insurance online

Comparing auto insurance rates can be a lot of work if you aren’t aware of the fastest way to get free quotes. You can waste a lot of time talking to local insurance agents in your area, or you could use online quotes to accomplish the same thing much quicker.

Most of the best insurance companies belong to an insurance system where insurance shoppers submit one quote, and each participating company can give them a price. This prevents consumers from doing form submissions for each company you want a rate for.

To compare rates now click here to start a free quote.

The only drawback to pricing coverage this way is you don’t know exactly the insurers you want to price. If you prefer to choose from a list of companies to compare prices, we have a listing of auto insurance companies in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just make darn sure you compare the exact same coverage information for each price quote. If you are comparing different data it will be impossible to determine which company has the best rates.

The Toyota Land Cruiser insurance rate equation

It’s important that you understand some of the factors that play a part in calculating your insurance coverage rates. When you know what positively or negatively determines premiums, this allows you to make good choices that can earn you lower rates. Many things are considered when premium rates are determined. Some are obvious like a motor vehicle report, although others are not quite as obvious such as whether you are married and annual miles driven.

The items below are a few of the “ingredients” used by your company to calculate your rates.

  • Gender and auto insurance prices – Statistics have proven women tend to be less risk to insure than men. That doesn’t necessarily mean that men are worse drivers. Both sexes cause fender benders in similar percentages, but the males tend to have more serious accidents. Not only are claims higher, but men get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly.
  • Alarms and GPS tracking lower prices – Choosing to buy a car that has an advanced theft prevention system can earn a premium discount. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder auto theft.
  • Responsible drivers pay better costs – Attentive drivers tend to pay less for car insurance as compared to those with violations. Having just one citation may cause rates to rise forty percent or more. Drivers unfortunate enough to have dangerous tickets like reckless driving, hit and run or driving under the influence may need to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to keep their license.
  • Being married brings a discount – Getting married may save some money on insurance coverage. Having a significant other translates into being more stable financially and insurance companies reward insureds because drivers who are married are more cautious.
  • Bundle policies and save money – The majority of insurance coverage companies will give a discount to customers who have multiple policies with them in the form of a multi-policy discount. Even with this discount applied, you may still want to comparison shop to verify if the discount is saving money.
  • Always keep your insurance coverage policy in force – Not maintaining insurance is against the law and companies may charge more for letting your coverage cancel without a new policy in place. And not only will insurance be more expensive, getting caught without coverage might get you a hefty fine and possibly a revoked license.
  • Additional coverages that may be costing you – Policies have optional add-on coverages that sound like a good idea at the time but may not be useful. Coverages for roadside assistance, accident forgiveness, and additional equipment coverage are some examples. You may think they are a good idea initially, but your money might be better spent on other coverage so eliminate them to save money.
  • Liability safeguards assets – Liability coverage will provide protection if ever you are found liable for physical damage or personal injury to other. Your policy’s liability insurance provides you with a defense in court to attempt to prove you were not liable. Liability insurance is quite affordable compared to physical damage coverage, so buy as much as you can afford.

Tailor your insurance coverage coverage to you

When it comes to buying the best insurance coverage coverage, there is no best way to insure your cars. Everyone’s situation is a little different.

For instance, these questions can aid in determining whether you would benefit from an agent’s advice.

  • Which companies will insure high-risk drivers?
  • Why am I required to get a high-risk car insurance policy?
  • Do all my vehicles need collision coverage?
  • Am I covered when driving a rental car?
  • Exactly who is provided coverage by my policy?
  • When should I remove comp and collision on my 1998 Toyota Land Cruiser?
  • How do I insure my teen driver?
  • Is a new car covered when I drive it off the dealer lot?
  • Who is covered when they drive my 1998 Toyota Land Cruiser?
  • Is my 1998 Toyota Land Cruiser covered for flood damage?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

Insurance in the media

Drivers can’t get away from ads that claim the cheapest car insurance rates by companies like Progressive, GEICO, Allstate and State Farm. They all seem to tend to make the same promise of big savings if you move your policy.

It sounds good, but how can they all charge you less for car insurance? You have to listen carefully.

All companies have specific guidelines for the type of driver that will not have excessive claims. An example of a profitable customer might be between the ages of 30 and 45, carries full coverage, and drives a lower-performance vehicle. Any person that matches those criteria receives the best car insurance rates and will also save a lot if they switch.

Insureds who fall outside the ideal profile will see higher prices which leads to business not being written. The ads state “people who switch” but not “everyone who gets a quote” save that much. That is how companies can make it sound like they have such great premium rates. Different companies use different criteria so drivers must get as many free insurance coverage quotes as possible. It’s not possible to predict which insurance company will give you the biggest savings.

Insurance coverage considerations

Having a good grasp of your insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like a broken windshield, vandalism, fire damage, damage from getting keyed and hitting a deer. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Toyota Land Cruiser.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision insurance

Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like sustaining damage from a pot hole, colliding with a tree and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Liability auto insurance

This will cover damage or injury you incur to people or other property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as attorney fees, structural damage, legal defense fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage pay for immediate expenses for prosthetic devices, funeral costs, pain medications, X-ray expenses and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage on a shoestring budget

There are still a few companies who do not offer rate quotes online and most of the time these small, regional companies work with independent insurance agencies. Affordable 1998 Toyota Land Cruiser insurance is possible online and from local insurance agents, and you should be comparing both so you have a total pricing picture.

Drivers who switch companies do it for a number of reasons such as denial of a claim, high rates after DUI convictions, poor customer service or even not issuing a premium refund. No matter why you want to switch, finding a great new company can be easier than you think.

When buying insurance coverage, make sure you don’t skimp on critical coverages to save a buck or two. In many instances, drivers have reduced comprehensive coverage or liability limits only to find out that they should have had better coverage. Your strategy should be to buy the best coverage you can find at the best price, not the least amount of coverage.

Additional auto insurance information can be read on the following sites: