Cheaper 2015 Toyota Land Cruiser Car Insurance Quotes

If you’re searching for more affordable insurance on the web, do you get overwhelmed by the number of insurance choices available to you? Drivers have so many choices available that it can turn into a challenge to find the best premium rates.

It’s a great practice to do price comparisons quite often because insurance prices are variable and change quite frequently. Even if you think you had the lowest rates on Land Cruiser coverage last year there is a good chance you can find better rate quotes now. Ignore everything you know about insurance because I’m going to let you in on the secrets to the only way to eliminate unnecessary coverages and save money.

Finding affordable coverage is not that difficult. Just about every vehicle owner who is required by state law to have auto insurance will most likely be able to reduce their rates. But vehicle owners do need to understand how the larger insurance companies market on the web and take advantage of how the system works.

First Step: Get free car insurance quotes

To find the best car insurance quotes, there are several ways of comparing price quotes from different companies. The simplest method to compare Toyota Land Cruiser insurance prices is to use the internet to compare rates. This is quite simple and can be completed in a couple minutes as outlined below.

1. The recommended way to get the best comparison quotes is a comparison rater form like this one (opens in new window). This form keeps you from doing multiple quote forms for each company. In just a few minutes this one form gets prices estimates from car insurance companies with the best prices. Just one form and you’re done.
2. A different way to compare prices requires you to visit each individual company website to complete their respective quote request forms. For instance, let’s say you want to get rates from Liberty Mutual, Farmers and Geico. You would need to visit each site and enter your information, which is why most consumers use the first method.

   To view a list of companies in your area, click here.

Whichever way you use, be certain you are entering nearly identical coverages on every quote you get. If you have different deductibles it’s not possible to find the best deal for your Toyota Land Cruiser. Just a small difference in insurance coverages or limits can mean a large discrepancy in price. Just remember that quoting more provides better odds of finding more affordable rates.

Save a ton with discounts

Car insurance companies don’t always advertise all available discounts very clearly, so we researched some of the best known and the more hidden discounts that you may qualify for. If you don’t get every credit available, you could be getting lower rates.

• Save with a New Car – Insuring a new car can be considerably cheaper because newer vehicles keep occupants safer.
• Renewal Discounts – Select companies give a discount for renewing your policy prior to your current policy expiring. You can save around 10% with this discount.
• Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase some life insurance in addition to your auto policy.
• Membership in Organizations – Participating in certain professional organizations could earn you a nice discount on your next insurance statement.
• Student Discounts – Being a good student can get you a discount of up to 25%. The discount lasts up until you turn 25.

A little disclaimer on discounts, many deductions do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that you can get free auto insurance, you aren’t that lucky.

A few of the larger companies and a selection of discounts can be found below.

• Progressive has savings for online quote discount, continuous coverage, homeowner, multi-vehicle, and online signing.
• AAA may include discounts for good student, multi-car, good driver, AAA membership discount, pay-in-full, and multi-policy.
• Farmers Insurance may have discounts that include mature driver, early shopping, multi-car, teen driver, bundle discounts, and distant student.
• Geico includes discounts for anti-lock brakes, seat belt use, good student, emergency military deployment, federal employee, and membership and employees.
• Esurance offers premium reductions for anti-lock brakes, good driver, anti-theft, homeowner, and emergency road assistance.
• SAFECO has discounts for multi-car, anti-theft, bundle discounts, teen safety rewards, drive less, and anti-lock brakes.
• State Farm offers discounts for student away at school, good student, accident-free, defensive driving training, and Steer Clear safe driver discount.

It’s a good idea to ask each company which discounts you may be entitled to. Some credits might not be available to policyholders in your area.

Informed drivers can reduce their insurance rates

The best way to find cheaper insurance coverage is to take a look at a few of the rating criteria that come into play when calculating the level of your policy premiums. When consumers understand what influences your rates, this allows you to make good choices that could result in much lower annual insurance costs.

• GPS tracking and theft deterrents lower rates – Selecting a car model with a theft deterrent system can help lower your premiums. Systems that thwart theives like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder auto theft and help lower rates.
• Pay more if you have a long commute – Choosing to live in areas with lower population has definite advantages when it comes to insurance coverage. Drivers who live in large cities regularly have traffic congestion and more severe claims. Fewer drivers on the road means fewer accidents and also fewer theft and vandalism claims.
• Liability insurance risk factors in – The liability coverage on your policy provides coverage in the event that you are found liable for an accident. Your policy’s liability insurance provides for a legal defense to attempt to prove you were not liable. This coverage is relatively inexpensive as compared to coverage for physical damage, so do not skimp.
• Drive less and save – The more you drive every year the more it will cost to insure it. Most insurance companies rate vehicles based upon how you use the vehicle. Cars that do not get driven very much qualify for better rates than cars that get driven a lot. An improperly rated Land Cruiser can result in significantly higher rates. Ask your agent if your insurance coverage policy reflects the correct driver usage.
• Certain occupations raise premiums – Did you know your insurance coverage rates can be affected by your occupation? Jobs like judgesair traffic controllers and accountants generally have higher rates than the rest of us due to job stress and extremely grueling work hours. On the other hand, careers like scientists, historians and the unemployed have the lowest average rates on Land Cruiser coverage.
• lapses raise premiums – Allowing your insurance coverage policy to lapse is a fast way to increase your rates. And not only will insurance be more expensive, the inability to provide proof of insurance might get you a fine, jail time, or a revoked license.
• High credit history translates to low rates – Having a good credit history will be a significant factor in determining your rates. Insureds with very high credit ratings tend to be better drivers and file fewer claims than drivers with bad credit. If your credit leaves room for improvement, you may save money insuring your 2015 Toyota Land Cruiser by repairing your credit.

What is the best insurance coverage?

When it comes to buying coverage for your personal vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions might point out if your insurance needs would benefit from professional advice.

• Does car insurance cover theft of personal property?
• Does medical payments coverage apply to all occupants?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Is there coverage for injuries to my pets?
• How can I get my company to pay me more for my totalled car?
• Does my policy cover my teen driver if they drive my company car?
• Do I need replacement cost coverage on my 2015 Toyota Land Cruiser?
• Do I need to file an SR-22 for a DUI in my state?
• Will my rates increase for filing one claim?
• Can I afford to pay high deductible claims out of pocket?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form.

But they said I’d save $468 a year!

Well-known car insurance companies like Progressive, Geico, Allstate and State Farm endlessly run ads in print and on television. They all seem to make the same claim that drivers can save some big amount if you move your car insurance coverage to their company. How do they all cost less than your current company? You have to listen carefully.

Car insurance companies have specific criteria for the type of driver that earns them a profit. For example, a driver they prefer might have to be between 30 and 50, has no prior claims, and drives a car with an anti-theft system. Any new insured that meets those criteria will probably get the lowest rates and as a result will probably cut their rates if they switch.

People who do not fit those standards will have to pay higher premium rates and this can result in the customer buying from someone else. The ad wording is “drivers who switch” not “everyone that quotes” save money. This is how insurance companies can make claims that they all have the best rates. This really illustrates why you really should do a rate comparison at every renewal. It’s just too difficult to predict the company that will be your best fit.

Car insurance coverage information

Understanding the coverages of car insurance can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like hail damage, hitting a deer, damage from a tornado or hurricane and hitting a bird. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage protection

This pays for damage to your Land Cruiser caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like scraping a guard rail, colliding with a tree, crashing into a ditch, driving through your garage door and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Liability

Liability insurance can cover damages or injuries you inflict on people or other property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as medical services, court costs, loss of income and attorney fees. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for bills for things like dental work, X-ray expenses, EMT expenses and doctor visits. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your Toyota Land Cruiser.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Take this to the bank

When getting insurance quotes online, it’s a bad idea to sacrifice coverage to reduce premiums. In many instances, an insured cut physical damage coverage only to find out that it was a big mistake. Your strategy should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

Insureds who switch companies do it for many reasons like not issuing a premium refund, being labeled a high risk driver, delays in responding to claim requests or extreme rates for teen drivers. It doesn’t matter what your reason, finding a great new company can be easier than you think.

You just learned a lot of information how to compare 2015 Toyota Land Cruiser insurance prices online. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding cheap insurance. You may be surprised to find that the lowest prices come from some of the smallest insurance companies.

To read more, feel free to visit these articles:

• Booster Seat Ratings (iihs.org)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Parking Tips to Reduce Door Dings (State Farm)
• Tread Depth and Tire Safety (State Farm)
• Teen Driving and Texting (State Farm)
• What is a Telematics Device? (Allstate)