How Much Does 1991 Toyota Land Cruiser Insurance Cost?

Trying to find better car insurance rates for your Toyota Land Cruiser? Having to pay for overpriced Toyota Land Cruiser insurance can empty your bank account and make it impossible to make ends meet. Doing a price comparison is free, only takes a few minutes, and is a good way to cut your insurance bill. Because there are so many options when it comes to car insurance, it’s difficult to pick the most affordable car insurance company.

The purpose of this post is to help educate you on the most effective way to quote insurance and some tips to save money. If you are paying for car insurance now, you stand a good chance to be able to save some money using this strategy. Drivers just need to learn the proper methods to find the lowest price on the web.

Best discounts on Toyota Land Cruiser coverage

The cost of insuring your cars can be expensive, but you may find discounts to reduce the price significantly. A few discounts will automatically apply when you quote, but some must be inquired about before they will apply. If you’re not getting every credit available, you’re just leaving money on the table.

  • Auto/Home Discount – If you have multiple policies with the same company you will save approximately 10% to 15%.
  • Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% on Land Cruiser insurance with select insurance companies.
  • Multiple Vehicles – Buying coverage for multiple vehicles with the same company qualifies for this discount.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • New Vehicle Savings – Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
  • Accident Free – Drivers with accident-free driving histories can save substantially as compared to frequent claim filers.
  • Discount for Life Insurance – Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts can qualify for discounts of 20% or more.
  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.
  • 55 and Retired – Older drivers may be able to get better insurance coverage rates on Land Cruiser insurance.

Consumers should know that some credits don’t apply to the entire policy premium. Most only reduce specific coverage prices like comprehensive or collision. So even though it sounds like you could get a free insurance coverage policy, insurance coverage companies aren’t that generous. Any amount of discount will cut the cost of coverage.

For a list of providers with the best insurance coverage discounts, click here.

Toyota Land Cruiser rate determination is complex

It’s important that you understand the rating factors that help determine your auto insurance rates. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that may reward you with lower auto insurance prices.

The following are a few of the “ingredients” companies use to determine rates.

  • Your occupation can affect rates – Did you know your occupation can influence how much you pay for auto insurance? Occupations like judges, executives and dentists have the highest average rates in part from high stress and lots of time spent at work. Other professions such as pilots, historians and performers get better rates on Land Cruiser insurance.
  • Men fork out a little more – The statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. Women and men are in accidents at a similar rate, but the men cause more damage. Men also statistically get cited for more serious violations like DUI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and thus pay the highest rates.
  • Bundling policies can get discounts – Some companies will award you with lower prices to policyholders who carry more than one policy. It’s known as a multi-policy discount. Discounts can amount to anywhere from five to ten percent in most cases. Even with this discount, it’s in your best interest to comparison shop to make sure you are getting the best deal. Drivers may still find better rates by splitting coverages up.
  • Lower miles equals lower premium – The higher the mileage driven each year the more you will pay for auto insurance. Almost all companies apply a rate based upon how you use the vehicle. Cars and trucks that are left in the garage qualify for better rates compared to those used for work or business. Having the wrong rating on your Land Cruiser may be wasting your money. Verify your auto insurance declarations sheet properly reflects the correct usage for each vehicle.

Tailor your coverage to you

When buying adequate coverage, there is no single plan that fits everyone. Each situation is unique so your insurance needs to address that. For instance, these questions may help highlight if your insurance needs would benefit from professional advice.

  • What can I do if my company denied a claim?
  • Do I have newly-aquired coverage?
  • I have a DUI can I still get coverage?
  • Am I covered when delivering products for my home-based business?
  • Am I covered if I drive in a foreign country?
  • What are the financial responsibility laws in my state?
  • Are rock chip repairs covered?
  • Can I rate high risk drivers on liability-only vehicles?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Do drivers who switch really save $383 a year?

Consumers get pounded daily by advertisements for the lowest price auto insurance by companies like State Farm, GEICO and Progressive. All the companies make the same claim about savings if you move to them.

How do they all make the same claim? It’s all in the numbers.

Different companies are able to cherry pick for the right customer they prefer to insure. An example of a profitable customer could possibly be over the age of 50, insures multiple vehicles, and drives less than 10,000 miles a year. A propective insured that hits that “sweet spot” gets the lowest rates and therefore will save quite a bit of money when switching.

Drivers who don’t meet this ideal profile will have to pay a higher premium which leads to business going elsewhere. Company advertisements say “people who switch” not “everybody who quotes” save money. That’s the way companies can make the claims of big savings.

Because of the profiling, you absolutely need to get as many comparisons as possible. It’s not possible to predict which company will fit your personal profile best.

Educate yourself about insurance coverages

Having a good grasp of your insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Toyota Land Cruiser.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive auto coverage

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from a tornado or hurricane, a broken windshield, theft and rock chips in glass. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision protection

This coverage will pay to fix damage to your Land Cruiser resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as hitting a mailbox, colliding with a tree and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as doctor visits, prosthetic devices, X-ray expenses and hospital visits. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Auto liability

This can cover damages or injuries you inflict on other people or property by causing an accident. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as court costs, funeral expenses, legal defense fees, medical services and emergency aid. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Find Good Coverage for Less

Cost effective 1991 Toyota Land Cruiser insurance is possible from both online companies and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies do not offer the ability to get a quote online and these regional insurance providers work with independent agents.

We’ve covered many ideas to compare insurance prices online. The key concept to understand is the more quotes you get, the better likelihood of reducing your rate. Consumers may even find the best prices are with some of the lesser-known companies. These companies may cover specific market segments cheaper compared to the large companies like Progressive and GEICO.

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