How Much Does 1999 Toyota Land Cruiser Insurance Cost?

Searching for the cheapest insurance for a Toyota Land Cruiser could be a lot of work, but you can use these tips to make it easier.

There is a better way to find insurance coverage online so we’re going to tell you the absolute fastest way to price shop coverage for a Toyota and obtain the lowest possible price from local insurance agents and online providers.

If you have a current car insurance policy or are shopping for new coverage, you can use these techniques to reduce the price you pay and possibly find even better coverage. Locating affordable coverage is quite easy. Consumers just need to understand the proper way to get comparison rates on the web.

Cheap auto insurance

Effectively comparing auto insurance prices can take hours if you don’t understand the fastest way to get free quotes. You can spend your afternoon talking about coverages with insurance agencies in your area, or you could use the web to accomplish the same thing much quicker.

Most of the larger companies enroll in a system where prospective buyers enter their policy data once, and every company then gives them pricing. This prevents consumers from doing form submissions for every auto insurance company.

To enter your information into the quoting system, click here (opens in new window).

The one downside to using this type of system is that consumers can’t choose the providers to get pricing from. If you prefer to choose specific insurance companies to compare prices, we have a listing of auto insurance companies in your area. Click here to view list.

Take whichever approach you prefer, but do your best to use the same coverage data for every quote you compare. If you use different values for each quote it’s impossible to determine the lowest rate for your Toyota Land Cruiser.

When do I need an agent’s advice?

When choosing proper insurance coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine if you would benefit from professional advice.

• Am I covered if I drive in a foreign country?
• When does my teenage driver need to be added to my policy?
• Am I covered if I wreck a rental car?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Is business equipment covered while in my vehicle?
• Do I have any recourse if my insurance company denies a claim?
• At what point should I drop full coverage?
• Should I waive the damage coverage when renting a car?
• Am I covered if hit by an uninsured driver?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and can help protect your family.

Learn about auto insurance coverages for a 1999 Toyota Land Cruiser

Knowing the specifics of a auto insurance policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.

Liability auto insurance – Liability insurance provides protection from injuries or damage you cause to people or other property. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like court costs, pain and suffering, emergency aid and structural damage. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Comprehensive protection – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, a tree branch falling on your vehicle and hail damage. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Toyota Land Cruiser.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally the UM/UIM limits do not exceed the liability coverage limits.

Collision coverage – This coverage pays for damage to your Land Cruiser from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as hitting a mailbox, scraping a guard rail, crashing into a building, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Medical expense coverage – Med pay and PIP coverage kick in for immediate expenses for things like chiropractic care, pain medications, ambulance fees and EMT expenses. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage