How Much Does 1999 Toyota 4Runner Insurance Cost?

Buyers have options when searching for low-cost Toyota 4Runner insurance. You can either spend your time driving around to get rate comparisons or leverage the internet to get rate quotes. There is a right way and a wrong way to buy auto insurance so we’re going to tell you the absolute fastest way to get price quotes for a Toyota and get the lowest possible price.

How to buy car insurance

Finding a lower price on 1999 Toyota 4Runner insurance is surprisingly easy. The only thing you need to do is take a couple of minutes getting comparison quotes to find out which insurance company has affordable insurance coverage quotes. You can get a good selection of rate quotes using one of these methods.

The easiest and least time consuming way to find the lowest comparison rates is a comparison rater form click to view form in new window. This method saves time by eliminating repetitive form entry for each company you want a rate for. A single form gets you price quotes from multiple low-cost companies.It’s the quickest way to get rates.

A slightly less efficient method to obtain and compare quotes online is to take the time to go to the website for every company you want to comare to request a price quote. For example, we’ll pretend you want comparison quotes from USAA, Allstate and Travelers. To get each rate you have to navigate to each company’s site and repeatedly type in your coverage information, which can be really labor intensive.

For a list of links to companies insuring cars in your area, click here.

Whichever way you use, double check that you are using exactly the same coverage limits and deductibles on every quote you get. If you use different limits and deductibles on each one you will not be able to determine which rate is truly the best.

Auto insurance in the media

Consumers can’t avoid all the ads that promise big savings for switching by State Farm, GEICO and Progressive. All the ads seem to make the promise about how much you will save if you get a free insurance coverage quote and switch to their company.

That’s great but how can every company make the same claim? It’s all in the numbers.

Many companies have underwriting criteria for the type of insured that earns them a profit. For instance, a driver they prefer could be between the ages of 30 and 50, has a low-risk occupation, and has great credit. A customer getting a price quote who fits that profile will probably get cheap prices and is almost guaranteed to save if they switch.

Potential insureds who do not match the ideal profile will be quoted higher premiums which usually ends up with business not being written. The ad wording is “people that switch” not “all people who quote” save that much money. That’s why companies can truthfully state the savings. This really emphasizes why you absolutely need to compare price quotes frequently. It is just not possible to predict with any certainty which company will provide you with the cheapest prices.

How your 4Runner insurance prices are determined

Many factors are considered when quoting car insurance. Most are fairly basic such as traffic violations, but some are more obscure such as your marital status or your commute time.

  • Vocation stress can make you pay more – Do you work in a high-stress field? Occupations such as judges, social workers and miners tend to pay higher premiums than the average policyholder because of intense work-related stress and lots of time spent at work. Other occupations such as scientists, engineers and performers get better rates for 4Runner insurance.
  • What’s your car’s IIHS safety rating? – Cars with high safety ratings cost less to insure. The safest vehicles reduce occupant injuries and fewer injuries means your insurance company pays less which can mean better rates for you. If your Toyota 4Runner has at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
  • Avoid insurance coverage policy lapses – Having a lapse in insurance coverage will be a fast way to increase your insurance coverage rates. Not only will you pay more, failure to provide proof of insurance could earn you fines and jail time.
  • Insurance rates for married couples – Getting married may save some money compared to being single. Having a spouse demonstrates that you tend to be less irresponsible and statistics prove married drivers tend to have fewer serious accidents.
  • Location can impact price – Residing in smaller towns and rural areas of the country is a positive aspect when talking about insurance coverage. Fewer drivers means fewer accidents and lower theft and vandalism rates. Residents of big cities have to deal with traffic congestion and much longer commute distances. The longer drive time can result in more accidents.
  • Rates impacted by vehicle usage – The more you drive your Toyota annually the more you’ll pay to insure your vehicle. A lot of insurance companies calculate rates based upon how you use the vehicle. Cars not used for work or commuting get more affordable rates than vehicles that have high annual mileage. It’s a smart idea to ensure your vehicle rating shows the correct usage for each vehicle, because it can save money. A policy that improperly rates your 4Runner is just wasting money.

Discount car insurance rates

Companies offering auto insurance don’t always publicize their entire list of discounts very clearly, so here is a list a few of the more common and the harder-to-find discounts that may be available.

  • Distant College Student Discount – Kids who are enrolled in a college that is more than 100 miles from home and do not take a car to college could get you a discount.
  • Low Mileage Discounts – Low mileage vehicles may allow you to get lower prices due to less chance of an accident.
  • Student Discounts – Excelling in school can earn a discount of 20% or more. Many companies even apply the discount to college students well after school through age 25.
  • Theft Deterent System – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and will save you 10% or more.
  • Anti-lock Brake System – Cars and trucks with ABS and/or traction control prevent accidents and the ABS can save up to 10%.
  • Good Drivers – Drivers without accidents may receive a discount up to 45% for 4Runner insurance than their less cautious counterparts.
  • Driver Training Discounts – Participating in a course in safe driver could earn you a small percentage discount and easily pay for the cost of the class.

It’s important to understand that many deductions do not apply to the entire cost. Most only cut the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, it’s just not the way it works.

Popular car insurance companies and their possible discounts are:

  • State Farm discounts include Drive Safe & Save, driver’s education, good driver, multiple autos, safe vehicle, and good student.
  • American Family policyholders can earn discounts including good driver, bundled insurance, Steer into Savings, early bird, and defensive driver.
  • AAA has savings for good driver, education and occupation, anti-theft, multi-policy, good student, AAA membership discount, and multi-car.
  • GEICO may offer discounts for driver training, defensive driver, multi-policy, anti-lock brakes, daytime running lights, and membership and employees.
  • Mercury Insurance may have discounts that include professional/association, anti-theft, age of vehicle, location of vehicle, and type of vehicle.
  • Farmers Insurance offers discounts for bundle discounts, pay in full, teen driver, homeowner, distant student, and youthful driver.
  • Progressive has discounts for online signing, multi-vehicle, good student, continuous coverage, online quote discount, and multi-policy.

It’s a good idea to ask every insurance company which discounts you qualify for. Savings might not apply in your state. To view insurance companies that offer many of these discounts, click here.

Tailor your car insurance coverage to you

When choosing the best car insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine if your insurance needs may require specific advice.

  • When can I cancel my policy?
  • How do I buy GAP insurance?
  • Where can I get insurance after a DUI in my state?
  • Will filing a claim cost me more?
  • Can I drive in Mexico and have coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • I have health insurance so do I need medical payments coverage?
  • Should I buy only the required minimum liability coverage?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form. It’s fast, free and you can get the answers you need.

Information about specific coverages

Learning about specific coverages of a insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for short-term medical expenses for things like hospital visits, funeral costs and dental work. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Toyota 4Runner.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive auto coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like vandalism, hail damage, a tree branch falling on your vehicle, hitting a bird and damage from getting keyed. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto liability insurance

This coverage will cover damage that occurs to other people or property. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things such as court costs, repair bills for other people’s vehicles and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Coverage for collisions

This coverage pays for damage to your 4Runner resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a building, driving through your garage door, scraping a guard rail, colliding with a tree and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Save for a rainy day

Insureds leave their current company for many reasons like poor customer service, policy non-renewal, high prices or even not issuing a premium refund. Regardless of your reason for switching companies, finding a great new company is pretty simple and you could end up saving a buck or two.

Budget-conscious 1999 Toyota 4Runner insurance can be purchased on the web and from local agencies, and you need to price shop both in order to have the best chance of saving money. A few companies do not provide rate quotes online and most of the time these smaller providers sell through independent agents.

In this article, we covered some good ideas how you can get a better price on 1999 Toyota 4Runner insurance. The key thing to remember is the more quotes you get, the better your comparison will be. Consumers could even find that the lowest priced auto insurance comes from an unexpected company.

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