1998 Toyota Land Cruiser Car Insurance Cost – 5 Policy Discounts

Want better insurance coverage rates? Drivers have options when trying to find the lowest priced Toyota Land Cruiser insurance. They can either waste time calling around trying to get quotes or leverage the internet to make rate comparisons. There are more efficient ways to compare insurance coverage rates and you need to know the proper way to get price quotes for a new or used Toyota and get the best price possible from both online companies and local agents.

It’s important to do price comparisons periodically since rates are adjusted regularly by insurance companies. If you had the best premium rates on Land Cruiser coverage on your last policy you can probably find a lower rate today. Forget all the misinformation about insurance coverage because I’m going to teach you the fastest and easiest way to remove unneeded coverages and save money.

Finding affordable coverage is quite easy. If you are paying for car insurance now, you will be able to cut costs considerably using these tips. Consumers only need an understanding of the best way to compare prices on the web.

How much is insurance coverage?

There are a variety of methods to compare insurance coverage prices but one way is less labor-intensive and much quicker. You can waste hours driving to insurance companies in your area, or you can utilize online quoting to get rates in a matter of minutes.

Many of the larger companies belong to a marketplace that allows shoppers to submit their information once, and each company can give them a price. This prevents consumers from doing repetitive form submissions to each individual insurance coverage company.

To submit your quote information now, click to open in new window.

The one downside to doing it this way is you are unable to specify the companies to get pricing from. If you prefer to choose individual companies to compare, we have assembled a list of insurance coverage companies in your area. Click here for list of insurance companies.

You can use whichever method you prefer to find lower rates, just be certain you are entering equivalent coverages and limits for each quote you get. If you use different deductibles you will not be able to get a fair rate comparison.

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More affordable rates by getting these five discounts

Some insurers don’t always list the entire discount list very well, so the list below details a few of the more well known as well as the least known credits available to lower your premiums when you buy insurance online.

• Data Collection Discounts – Insureds that choose to allow their insurance company to spy on driving habits by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they show good driving skills.
• Resident Student – College-age children who live away from home at college and leave their car at home may be able to be covered for less.
• Safety Restraint Discount – Using a seat belt and requiring all passengers to fasten their seat belts can save up to 15% off the medical payments premium.
• Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase life insurance.
• Claim Free – Drivers who stay claim-free can save substantially in comparison with bad drivers.

As a footnote on discounts, most of the big mark downs will not be given to all coverage premiums. Most only reduce the cost of specific coverages such as medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, it’s just not the way it works.

The best insurance companies and a summarized list of policyholder discounts can be read below.

• Geico has savings for multi-vehicle, air bags, five-year accident-free, defensive driver, emergency military deployment, and military active duty.
• USAA may have discounts that include multi-vehicle, driver training, good student, vehicle storage, and loyalty savings.
• Progressive may offer discounts for continuous coverage, homeowner, online quote discount, online signing, and multi-vehicle.
• American Family has discounts for TimeAway discount, Steer into Savings, mySafetyValet, air bags, multi-vehicle, defensive driver, and accident-free.
• Esurance discounts include paid-in-full, good driver, homeowner, claim free, Pac-12 alumni, online shopper, and Switch & Save.
• Farmers Insurance offers discounts for switch companies, teen driver, electronic funds transfer, multi-car, and distant student.
• State Farm offers discounts including multiple autos, good student, anti-theft, student away at school, Drive Safe & Save, multiple policy, and accident-free.

When quoting, ask all companies you are considering which discounts can lower your rates. Some of the discounts discussed earlier may not apply to policyholders in your area. To view insurers that offer many of these discounts, click here.

Your insurance coverage coverage should be tailored to you

When choosing the best insurance coverage coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions may help highlight whether your personal situation would benefit from professional advice.

• What if I don’t agree with a claim settlement offer?
• Should I bundle my homeowners policy with my auto?
• Is a fancy paint job covered?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Do I have newly-aquired coverage?
• Is my babysitter covered when using my vehicle?
• Do I need higher collision deductibles?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed 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 savings promises

Consumers get pounded daily by advertisements for the lowest price auto insurance from companies such as Allstate and Progressive. All the ads make an identical promise that you can save after switching to their company.

But how can every company save you money? It’s all in the words they use.

Auto insurance companies quote their best rates for the type of driver that will not have excessive claims. An example of a profitable insured might be married and over the age of 30, has no driving citations, and drives less than 7,500 miles a year. Someone that fits those parameters will qualify for the lowest premium rates and have a good chance to save quite a bit of money when switching.

People who are not a match for these stringent criteria will see a higher premium and this can result in the customer buying from someone else. If you listen closely, the ads state “drivers that switch” not “everyone who quotes” save money. That’s the way companies can truthfully state the savings. This illustrates why drivers should do a rate comparison at every renewal. It’s just too difficult to predict with any certainty which company will provide the lowest car insurance rates.

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Specific coverage details

Knowing the specifics of a car insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Collision – This pays for damage to your Land Cruiser resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like sideswiping another vehicle, crashing into a ditch, crashing into a building and hitting a mailbox. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants when the “other guys” 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 carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Liability – This coverage will cover damage that occurs to people or other property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

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 policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as repair costs for stationary objects, medical expenses, structural damage, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for EMT expenses, chiropractic care, pain medications, surgery and X-ray expenses. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a broken windshield, damage from flooding and theft. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Final thoughts

Consumers leave their current company for a number of reasons such as policy cancellation, high prices, questionable increases in premium or even unfair underwriting practices. Regardless of your reason, finding a great new company can be easy and end up saving you some money.

When trying to cut insurance costs, don’t be tempted to buy less coverage just to save a little money. There are a lot of situations where someone sacrificed uninsured motorist or liability limits only to regret they didn’t have enough coverage. The aim is to purchase plenty of coverage at a price you can afford while still protecting your assets.

Discount 1998 Toyota Land Cruiser insurance is definitely available from both online companies and from local agencies, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who may not provide price quotes online and many times these small, regional companies prefer to sell through local independent agencies.

Helpful articles

• Understanding Limits and Deductibles (Allstate)
• Help Your Teen Be a Better Driver (State Farm)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Winter Driving (Insurance Information Insitute)

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