Compare 2009 Toyota Land Cruiser Insurance Quotes

Buyers have lots of choices when searching for low-cost Toyota Land Cruiser insurance. They can either spend hours driving around getting price quotes or save time using the internet to get rate quotes.

There is a better way to buy car insurance so we’re going to tell you the absolute fastest way to get price quotes for a Toyota and locate the lowest price from local insurance agents and online providers.

How to buy auto insurance

There are several ways to shop for auto insurance, but some are less labor-intensive and much quicker. You can waste a few hours (or days) talking to insurance agencies in your area, or you could use the internet to get rate comparisons in just a few minutes.

Many insurance companies belong to an insurance system that allows shoppers to enter their coverage request one time, and every company can give them a price determined by their information. This prevents consumers from doing repetitive form submissions for each company.

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

One minor caviat to using this type of system is buyers cannot specifically choose the insurers you want to price. If you prefer to choose individual companies to compare rates, we have assembled a list of companies who write auto insurance in your area. Click to view list.

Take whichever approach you prefer, but be sure you’re using apples-to-apples deductibles and coverage limits with every price quote. If you use different limits and deductibles on each one you will not be able to determine the best price for your Toyota Land Cruiser.

Get lower-cost rates with these discounts

Auto insurance companies don’t always list every possible discount in an easy-to-find place, so below is a list a few of the more common as well as the least known auto insurance savings.

• New Car Discount – Buying coverage on a new vehicle can save you some money because newer models keep occupants safer.
• Discount for Multiple Policies – If you can bundle your home and auto insurance with the same insurance company you could get a discount of up to 20% off your total premium.
• Payment Method – If you can afford to pay the entire bill rather than paying in monthly installments you could save up to 5%.
• Driver Training Discounts – Taking part in a driver safety course is a good idea and can lower rates if your company offers it.
• Senior Citizen Rates – If you qualify as a senior citizen, you may qualify for a small discount on rates for Land Cruiser insurance.
• Military Rewards – Being deployed with a military unit could qualify you for better premium rates.

Don’t be surprised that most discounts do not apply the the whole policy. Some only reduce specific coverage prices like liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, you’re out of luck.

A list of companies and the discounts they provide are included below.

• Farm Bureau may have discounts that include driver training, good student, youthful driver, multi-policy, 55 and retired, and renewal discount.
• Liberty Mutual discounts include new move discount, newly married, preferred payment discount, good student, hybrid vehicle, safety features, and multi-car.
• State Farm may include discounts for passive restraint, driver’s education, multiple policy, defensive driving training, and student away at school.
• Auto-Owners Insurance has savings for anti-theft, safe vehicle, good student, paid in full, and paperless.
• GEICO offers discounts for multi-policy, good student, air bags, five-year accident-free, and anti-theft.
• SAFECO includes discounts for safe driver, drive less, homeowner, multi-car, bundle discounts, and teen safety rewards.

When getting a coverage quote, ask all the companies how many discounts you can get. Some of the discounts discussed earlier may not be available in your state. If you would like to view auto insurance companies with significant discounts, click this link.

Insurance coverage can be complex

When it comes to buying proper insurance coverage, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions may help you determine if your insurance needs might need an agent’s assistance.

• Is my Toyota Land Cruiser covered if I use it for business?
• Am I insured when driving a different vehicle?
• What is an SR-22 filing?
• Does coverage extend to a rental car in a foreign country?
• Does coverage extend to Mexico or Canada?
• Will my rates increase for filing one claim?
• Can I get a multi-policy discount?
• Do all my vehicles need collision coverage?

If you can’t answer these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage options for a 2009 Toyota Land Cruiser

Knowing the specifics of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for liability – This coverage protects you from damage or injury you incur to other people or property by causing an accident. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

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 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things like court costs, repair bills for other people’s vehicles, medical expenses, repair costs for stationary objects and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive insurance – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from a tornado or hurricane, a broken windshield, fire damage, damage from flooding and hitting a bird. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Toyota Land Cruiser.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverages – This coverage pays for damage to your Land Cruiser caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like rolling your car, colliding with a tree, scraping a guard rail and driving through your garage door. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like chiropractic care, surgery, funeral costs and ambulance fees. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible