2006 Toyota 4Runner Car Insurance Quotes – 6 Discounts for Cheapest Rates

Finding the cheapest insurance for a Toyota 4Runner can normally be difficult, but you can learn the following methods to find lower rates. There are more efficient ways to buy insurance coverage and we’ll show you the absolute fastest way to price shop coverage on a Toyota and get the best price possible from both online companies and local agents.

If you are insured now or are looking for a new policy, you will benefit by learning to shop for the lowest rates while maximizing coverage. Finding cheaper protection is easy if you know what you’re doing. Drivers just need to understand the most efficient way to compare company rates over the internet.

Compare free insurance coverage price quotes

Finding a lower price on 2006 Toyota 4Runner insurance doesn’t have to be difficult. Just take time to get quotes from some recommended companies. It’s super easy and can be done in just a few minutes using one of these methods.

1. The easiest and least time consuming way consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This method saves time by eliminating separate quotes for every company. One quote request gets you coverage quotes from multiple companies. Just one form and you’re done.
2. A less efficient way to obtain and compare quotes online requires a visit to each individual company website and fill out their own quote form. For instance, let’s say you want to compare Nationwide, Farmers and Progressive. You would be required to spend time going to each site individually and repeatedly enter your information, which is why the first method is quicker.

   For a handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but try to keep identical coverage limits and deductibles for every quote you compare. If you enter unequal deductibles or liability limits it will be very difficult to decipher which rate is best.

Earn discounts on car insurance

Car insurance companies don’t necessarily list every policy discount in a way that’s easy to find, so we took the time to find some of the best known and the harder-to-find credits available to bring down your rates.

• Defensive Driver Discount – Completing a course in safe driver could earn you a small percentage discount and also improve your driving technique.
• Discount for Good Grades – Being a good student can save 20 to 25%. The good student discount can last until age 25.
• Passive Restraints – Options like air bags or automatic seat belts can get savings of 25 to 30%.
• Multi-Vehicle Discounts – Drivers who insure all your vehicles on the same car insurance policy can reduce the rates for all insured vehicles.
• Multi-policy Discount – When you have multiple policies and insure them both with the same insurance company you could earn a discount of at least 10% off all policies.
• Theft Prevention Discount – Cars with anti-theft systems are less likely to be stolen and will save you 10% or more.

Consumers should know that most discount credits are not given to the entire cost. A few only apply to specific coverage prices like liability, collision or medical payments. Even though it may seem like it’s possible to get free car insurance, car insurance companies aren’t that generous.

The best car insurance companies and a partial list of their discounts include:

• Travelers offers discounts including home ownership, multi-car, early quote, good student, new car, and hybrid/electric vehicle.
• 21st Century may have discounts that include teen driver, theft prevention, defensive driver, homeowners, driver training, and good student.
• State Farm includes discounts for defensive driving training, multiple policy, accident-free, Drive Safe & Save, passive restraint, and anti-theft.
• Geico discounts include defensive driver, anti-theft, seat belt use, military active duty, air bags, and good student.
• SAFECO policyholders can earn discounts including anti-lock brakes, drive less, accident prevention training, multi-car, and anti-theft.
• AAA may include discounts for multi-car, good driver, multi-policy, anti-theft, and AAA membership discount.

It’s a good idea to ask every prospective company which discounts they offer. Some discounts might not be offered in every state.

Tailor your insurance coverage to you

When choosing coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different.

These are some specific questions may help you determine whether or not you will benefit from professional help.

• Why does it cost so much to insure a teen driver?
• Am I covered if I hit a deer?
• Do I need more liability coverage?
• If my 2006 Toyota 4Runner is totaled, can I afford another vehicle?
• Can I rent a car in Mexico?
• What is UM/UIM insurance?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form. It is quick, free and you can get the answers you need.

Auto insurance coverage information

Having a good grasp of your insurance policy can be of help when determining the best coverages for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Collision coverages – This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as sustaining damage from a pot hole, hitting a parking meter and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like X-ray expenses, EMT expenses and surgery. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage – This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, damage from getting keyed, hitting a deer and a broken windshield. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your Toyota 4Runner.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Liability coverages – This provides protection from injuries or damage you cause to other’s property or people in an accident. 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 limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like funeral expenses, bail bonds, attorney fees and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.