2013 Toyota Land Cruiser Car Insurance Quotes

Looking for better car insurance rates? Shoppers have lots of choices when shopping for low-cost Toyota Land Cruiser insurance. You can either waste hours calling around trying to get quotes or save time using the internet to get rate quotes.

There are more efficient ways to find car insurance online and we’ll show you the proper way to get price quotes for a Toyota and locate the cheapest rates from both online companies and local agents.

The purpose of this post is to teach you the most effective way to quote insurance and some money-saving tips. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these methods. Drivers just need to learn the proper methods to compare rates over the internet.

How much does insurance cost?

Getting a more affordable price on 2013 Toyota Land Cruiser insurance is an easy way to save money. The only thing you need to do is invest a few minutes comparing free auto insurance quotes to find out which insurance company has cheap auto insurance quotes. Rate comparisons can be done in several different ways.

The easiest and least time consuming way consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This easy form keeps you from doing repetitive form submissions for each company. Just one form gets rate comparisons from multiple low-cost companies. This is by far the quickest method.
A less efficient way to find more affordable insurance is to take the time to go to the website for every company you want to comare to complete a price quote. For sake of this example, let’s assume you want to compare rates from Progressive, Allstate and GEICO. To find out each rate you need to go to every website and punch in your information repeatedly, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but make sure you use exactly the same coverage data on every quote. If you have differing limits you can’t possibly determine which rate is truly the best.

Don’t miss these discounts

Some companies do not list the entire discount list in a way that’s easy to find, so we break down a few of the more common and also the more inconspicuous credits that you can use to lower your rates.

Claim-Free Discount – Insureds with no claims or accidents can earn big discounts as compared to bad drivers.
Distant College Student Discount – Older children who are enrolled in a college that is more than 100 miles from home without a vehicle on campus could get you a discount.
Theft Deterent – Vehicles optioned with advanced anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your auto insurance quote.
Save over 55 – Older drivers may be able to get lower premium rates on Land Cruiser coverage.
Discount for Life Insurance – Insurance companies who offer life insurance give a discount if you purchase auto and life insurance together.
Pay Now and Pay Less – By paying your entire bill at once rather than paying monthly you may have a lower total premium amount.
Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts can save up to 15% on medical payment and PIP coverage.
Driver Training Discounts – Successfully completing a course that instructs on driving safety could possibly earn you a 5% discount if you qualify.
Air Bags and Passive Restraints – Vehicles with factory air bags may get savings of more than 20%.
Braking Control Discount – Cars, trucks, and SUVs that have anti-lock braking systems prevent accidents so companies give up to a 10% discount.

You can save money using discounts, but some of the credits will not apply to the entire policy premium. Some only reduce the cost of specific coverages such as comprehensive or collision. Just because it seems like all those discounts means the company will pay you, company stockholders wouldn’t be very happy. Any amount of discount will reduce your policy premium.

Some of the larger companies that possibly offer most of these discounts include:

If you are trying to find inexpensive auto insurance quotes, ask each company which discounts you may be entitled to. Some of the discounts discussed earlier may not apply in your state. To see insurers that have a full spectrum of discounts, click this link.

Special considerations

When choosing the right insurance coverage for your vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine if you will benefit from professional help.

Am I covered if I drive in a foreign country?
Do I need PIP coverage since I have good health insurance?
Does my insurance cover my expensive audio equipment?
Is my custom paint covered by insurance?
How do I insure my teen driver?
Is a new car covered when I drive it off the dealer lot?
What if I don’t agree with a claim settlement offer?
Do I need an umbrella policy?
Is pleasure use cheaper than using my 2013 Toyota Land Cruiser to commute?
What if I total my 2013 Toyota Land Cruiser and owe more than it’s worth?

If you can’t answer these questions, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and you can get the answers you need.

Coverages available on your car insurance policy

Learning about specific coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive car insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from getting keyed, damage from flooding, damage from a tornado or hurricane, vandalism and theft. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverage

Liability coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Occasionally you may see a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as attorney fees, court costs, funeral expenses, bail bonds and pain and suffering. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Toyota Land Cruiser.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits are set the same as your liablity limits.

Coverage for medical expenses

Med pay and PIP coverage kick in for expenses such as hospital visits, X-ray expenses, dental work, EMT expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Coverage for collisions

This pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like damaging your car on a curb, driving through your garage door and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.