2003 Toyota Land Cruiser Insurance Quotes

Searching for the cheapest auto insurance rates for your Toyota Land Cruiser? Are you burned out from not being able to scrape enough together each month for auto insurance? Your situation is no different than many other consumers.

Popular companies such as Allstate and Progressive all claim big savings with ad campaigns and it can be hard to see past the corporate glitz and effectively compare rates to find the best deal.

It’s important to take a look at other company’s rates periodically due to the fact that insurance rates are usually higher with each renewal. If you had the lowest premium rates on Land Cruiser insurance a year ago you can probably find a lower rate today. You’ll find a ton of advice on auto insurance online but you can learn some great ideas on how to slash your auto insurance rates.

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these methods. Finding the best rates is easy if you know what you’re doing. Nevertheless, consumers must know how companies determine prices and use this information to your advantage.

Which insurance coverage is cheapest?

When comparison shopping, there are several ways to obtain and compare prices from insurance coverage companies in your area. The recommended way to find competitive Toyota Land Cruiser insurance rates is simply to get online rate quotes. It is quite easy and can be accomplished in a couple minutes as outlined below.

• The fastest way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This easy form saves time by eliminating separate quotation requests for every company. A single, simple form gets coverage cost estimates instantly.
• A more time consuming way to get comparison quotes is spending the time to visit the website for each individual company and complete a new quote form. For examples sake, we’ll pretend you want to compare Geico, Farmers and Liberty Mutual. You would have to navigate to each company’s site to enter your coverage information, which is why the first method is more popular. To view a list of companies in your area, click here.

The method you choose is up to you, but make sure you compare exactly the same coverage limits and deductibles with each company. If you have higher or lower deductibles it will be very difficult to get a fair rate comparison. Just a small difference in insurance coverages may cause a big price difference. And when quoting insurance coverage, remember that comparing more rates from different companies helps locate better pricing. Some insurance companies are not set up to provide online rate quotes, so you also need to get rates on coverage from those companies, too.

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Earn discounts to get lower-cost insurance coverage quotes

Companies that sell car insurance don’t list every discount they offer in an easy-to-find place, so here is a list a few of the more common and the more hidden insurance coverage savings. If you aren’t receiving every discount available, you’re just leaving money on the table.

• Membership in Organizations – Being a member of specific professional or occupational memberships or organizations could trigger savings on insurance coverage.
• Active Service Discounts – Having a family member in the military could be rewarded with lower rates.
• Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems may get savings of 20% or more.
• Distant Student – Children who live away from home to go to college without a vehicle on campus may qualify for this discount.
• New Car Discount – Putting coverage on a new car can be considerably cheaper because new model year vehicles are generally safer.
• Own a Home and Save – Being a homeowner can get you a discount due to the fact that maintaining a home requires a higher level of personal finance.

Just know that most discounts do not apply to the overall cost of the policy. Some only apply to individual premiums such as physical damage coverage or medical payments. Even though it may seem like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

A few popular companies and some of the discounts are:

• Progressive includes discounts for multi-policy, online signing, multi-vehicle, good student, and homeowner.
• Geico may offer discounts for anti-theft, federal employee, military active duty, multi-policy, and multi-vehicle.
• State Farm discounts include accident-free, multiple policy, multiple autos, driver’s education, good student, and good driver.
• Esurance offers premium reductions for multi-policy, good driver, good student, anti-theft, and Switch & Save.
• The Hartford has discounts for driver training, defensive driver, good student, vehicle fuel type, and anti-theft.

If you need lower rates, check with each company to apply every possible discount. A few discounts may not apply to policies everywhere.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. For instance, these questions may help you determine if your situation would benefit from professional advice.

• If my 2003 Toyota Land Cruiser is totaled, can I afford another vehicle?
• Do I need more liability coverage?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Am I covered when driving a rental car?
• What can I do if my company denied a claim?
• Can I rate high risk drivers on liability-only vehicles?
• Am I covered when driving on a suspended license?
• Am I covered if hit by an uninsured driver?

If you can’t answer these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Informed consumers can cut insurance costs

It’s important that you understand the different types of things that help determine auto insurance rates. If you have a feel for what controls the rates you pay, this enables informed choices that may result in lower rates.

Shown below are a few of the things auto insurance companies consider when setting your premiums.

• Your career may increase auto insurance rates – Careers like fire fighterspolice officers and dentists tend to have higher rates than average attributed to job stress and lots of time spent away from family. Other jobs such as scientists, historians and performers pay the least on Land Cruiser insurance.
• Deter car thieves – Driving a car with advanced anti-theft systems can save you a little every year. Theft deterrent systems like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft and help lower rates.
• Bad credit hurts insurance prices – A driver’s credit history can be an important factor in determining what you pay. So if your credit score is lower than you’d like, you could be paying less to insure your 2003 Toyota Land Cruiser by taking the time to improve your credit score. People with very high credit ratings tend to be more responsible and file fewer claims than those with bad credit.
• Lower premiums for vehicles with better crash test results – Vehicles with good safety scores can get you lower premiums. Vehicles engineered for safety result in less severe injuries and lower rates of occupant injuries means your insurance company pays less passed on to you as lower rates. If your Toyota Land Cruiser has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.

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Car insurance 101

Understanding the coverages of your auto insurance policy can help you determine which coverages you need for your vehicles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverages offered by auto insurance companies.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Toyota Land Cruiser.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for bills like doctor visits, prosthetic devices and dental work. They can be used in conjunction with a health insurance program or if you do not have health coverage. They cover you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision) – This covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a bird, vandalism, a broken windshield and damage from getting keyed. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability insurance – Liability insurance protects you from damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage pays for things such as bail bonds, medical expenses and emergency aid. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as driving through your garage door, colliding with a tree, crashing into a building, sustaining damage from a pot hole and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Do the work, save more money

You just learned many ideas to lower your 2003 Toyota Land Cruiser insurance car insurance rates. The key thing to remember is the more times you quote, the better your comparison will be. You may be surprised to find that the lowest priced auto insurance comes from a small local company. They may have significantly lower premium rates on certain market segments compared to the large companies like Allstate or State Farm.

Cheaper auto insurance is possible from both online companies as well as from independent agents, so get free car insurance quotes from both of them to have the best selection. There are still a few companies who do not offer rate quotes online and many times these smaller companies only sell through independent insurance agents.

For more information, feel free to browse the articles below:

• Insurance Losses by Make and Model (iihs.org)
• Tools for Teen Driving Safety (State Farm)
• Your Car has been Stolen: Now What? (Allstate)
• What Does No-Fault Insurance Cover? (Allstate)

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