Save on 1996 Toyota Land Cruiser Insurance Quotes

Looking for cheaper insurance coverage rates for your Toyota Land Cruiser? Shopping for the cheapest insurance coverage can be complicated if you are someone who has never done quoting online. But don’t just give up because finding better rates is easier than you think.

You should make it a habit to shop coverage around occasionally since insurance rates are rarely the same from one policy term to another. Even if you think you had the lowest rate on Land Cruiser coverage last year you can probably find a better price now. Forget all the misinformation about insurance coverage because we’re going to show you the fastest way to lower your annual insurance bill.

Compare insurance coverage quotes online

There are multiple methods to shop for insurance coverage, but one way is less labor-intensive and much quicker. You can waste a few hours (or days) talking to insurance companies in your area, or you could use online quoting to get the quickest rates.

Many companies take part in a program that enables customers to submit one quote, and each participating company can give them a price for coverage. This prevents consumers from doing quote requests to each individual insurance coverage company.

To find out what other companies charge click here to open in new window.

The one downside to using this type of form is you are unable to specify which carriers to get pricing from. If you prefer to choose specific providers to receive pricing from, we have assembled a list of low cost insurance coverage companies in your area. Click here for list of insurance companies.

You can choose any of those ways to find more affodable coverage, but make sure you compare the same coverage information on every quote. If you are comparing higher or lower deductibles it will be impossible to determine the lowest rate for your Toyota Land Cruiser. Slightly different coverage limits may cause a big price difference. It’s important to know that comparing more company’s prices provides better odds of finding more affordable rates. Some companies don’t provide rate quotes online, so it’s important to also get price quotes from them as well.

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Auto insurance companies offer money-saving discounts

Not many people think insurance is cheap, but you may qualify for discounts to help offset the cost. Some discounts will apply at the time of purchase, but some must be manually applied before they will apply. If you check and find you aren’t receiving every discount available, you may be paying too high a price.

• Telematics Data – Insureds who allow data collection to scrutinize driving habits remotely such as State Farm’s In-Drive could see a rate decrease if their driving habits are good.
• Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts may get savings of up to 25% or more.
• Good Driver Discounts – Drivers who don’t get into accidents may receive a discount up to 45% on Land Cruiser coverage compared to rates paid by drivers with frequent claims.
• Life Insurance Discount – Larger auto insurance companies have a discount if you purchase a life insurance policy as well.
• Payment Method – If you can afford to pay the entire bill rather than paying in monthly installments you can actually save on your bill.
• Government Employees – Active or retired federal employment can earn a discount up to 10% on Land Cruiser coverage with select insurance companies.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. Some only apply to specific coverage prices like liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, you aren’t that lucky.

If you would like to choose from a list of insurers that offer multiple discounts, click this link.

Get cheaper insurance premiums by understanding these factors

Lots of factors are part of the calculation when you get a price on insurance. Some of the criteria are obvious such as traffic violations, although others are not as apparent such as whether you are married or your vehicle rating.

The following are a partial list of the pieces insurance coverage companies consider when setting premiums.

• Safer cars mean better insurance coverage rates – Safer cars get lower rates. These vehicles result in less severe injuries and reduced instances of injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders.
• Cheaper rates by bundling – Most major insurance companies will give discounts to people who buy several policies from them, otherwise known as a multi-policy discount. The amount of the discounts can be ten or even fifteen percent. If you currently are using one company, consumers should still compare rates to ensure the best deal.
• Prevent theft and save – Buying a car with a theft deterrent system can help lower your premiums. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.
• More stress means more cost – Jobs such as doctors, architects and emergency personnel usually pay the highest average rates due to intense work-related stress and lengthy work days. Other occupations like scientists, engineers and retirees generally pay rates lower than average on Land Cruiser coverage.
• Your address can push rates up or down – Being located in small towns and rural areas can be a good thing if you are looking for the lowest rates. Fewer people means fewer accidents and also fewer theft and vandalism claims. Drivers in populated areas have to deal with more road rage incidents and more time behind the wheel. More time commuting statistically corresponds to a higher accident and claim rate.
• Never let your policy lapse – Driving your car without having proper coverage can get you a ticket and any future policy may cost more because you let your insurance coverage expire. Not only will you pay more, getting caught without coverage could result in fines or a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with your state DMV.

Do I just need basic coverages?

When it comes to buying coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is a little different.

These are some specific questions might help in determining if your insurance needs might need professional guidance.

• Do I have coverage when using my vehicle for my home business?
• Is upholstery damage covered by car insurance?
• Does my insurance cover damage caused when ticketed for reckless driving?
• How can I find cheaper teen driver insurance?
• Do I need more liability coverage?
• At what point should I drop full coverage?
• Where can I find DUI or SR-22 insurance?
• Can I rent a car in Mexico?
• Why do I only qualify for high-risk insurance?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form.

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Car insurance 101

Having a good grasp of car insurance aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Medical payments and PIP coverage

Med pay and PIP coverage pay for immediate expenses like ambulance fees, hospital visits, pain medications, EMT expenses and rehabilitation expenses. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like colliding with another moving vehicle, hitting a mailbox, hitting a parking meter, crashing into a ditch and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability car insurance

This coverage will cover damage or injury you incur to other people or property in an accident. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against things such as repair bills for other people’s vehicles, court costs, medical expenses, attorney fees and legal defense fees. How much coverage you buy is your choice, but consider buying higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Toyota Land Cruiser.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, a broken windshield, hitting a bird, rock chips in glass and damage from flooding. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Saving money makes a lot of cents

Insureds who switch companies do it for many reasons like an unsatisfactory settlement offer, extreme rates for teen drivers, not issuing a premium refund and being labeled a high risk driver. It doesn’t matter what your reason, switching insurance companies can be easy and end up saving you some money.

When buying insurance coverage, don’t be tempted to reduce coverage to reduce premium. Too many times, an accident victim reduced liability limits or collision coverage only to discover later that the savings was not a smart move. Your goal should be to buy enough coverage at the best price, not the least amount of coverage.

Lower-priced 1996 Toyota Land Cruiser insurance can be sourced on the web and from local insurance agents, so you need to quote insurance coverage with both to have the best rate selection. A few companies do not offer online price quotes and most of the time these smaller companies sell through independent insurance agencies.

Additional articles

• Rollover Crash FAQ (iihs.org)
• Your Car has been Stolen: Now What? (Allstate)
• Alcohol Impaired Driving FAQ (iihs.org)
• What Does No-Fault Insurance Cover? (Allstate)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)

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