1998 Toyota Land Cruiser Insurance Rates

Trying to find lower car insurance rates for your Toyota Land Cruiser? Have you fallen victim to overpriced car insurance? Believe me, there are many consumers feeling the pinch from expensive car insurance. With so many options when it comes to car insurance, it is hard for the average consumer to locate the lowest cost provider.

It’s a great practice to get comparison quotes yearly because prices fluctuate regularly. Even if you got the lowest price for Land Cruiser coverage a year ago there may be better deals available now. There is a lot of wrong information about car insurance online but by reading this article, you’re going to learn a bunch of ideas how to slash your car insurance rates.

Finding affordable coverage is not that difficult. If you have car insurance now, you stand a good chance to be able to save some money using these tips. Drivers only need to know the most efficient way to get comparison quotes online.

Toyota Land Cruiser insurance premiums are calculated by many factors

It’s important that you understand the factors that go into determining your auto insurance rates. Understanding what controls the rates you pay enables informed choices that can help you get big savings.

Listed below are a partial list of the pieces auto insurance companies consider when setting your rates.

  • Where you live – Residing in a small town has it’s advantages when buying auto insurance. Drivers in populated areas tend to have congested traffic and longer commutes to work. Fewer people means fewer accidents and a lower car theft rate.
  • How your age affects price – Mature drivers are more responsible, tend to cause fewer accidents and get fewer tickets. Youthful drivers tend to be more careless in a vehicle and because of this, their auto insurance rates are much higher.
  • Your credit rating is important – Having a bad credit history is a big factor in determining your rates. Therefore, if your credit rating is not that good, you could potentially save money when insuring your 1998 Toyota Land Cruiser by improving your rating. Drivers who have good credit tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.
  • Lower rates with optional equipment – Driving a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your car from being stolen.
  • Too many auto insurance claims drive up costs – If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Insurance companies generally give cheaper rates to insureds who do not file claims often. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.
  • Do you need the policy add-ons? – There are many add-on coverages that can waste your money on your Land Cruiser policy. Coverages like roadside assistance, accident forgiveness and additional equipment coverage may be costing you every month. They may seem good when you first buy your policy, but now you might not need them so get rid of them and save.

Vehicle Insurance Comparison

There are several ways to compare Toyota Land Cruiser car insurance prices but one way is more efficient than others. You can waste a few hours (or days) driving to agents in your area, or you could save time and use online quoting to get pricing more quickly.

Most of the best insurance companies participate in an industry program where prospective buyers submit their information once, and every company then returns a price quote for coverage. This eliminates the need for quote forms to each company. To use this form to compare 1998 Toyota Land Cruiser insurance rates click here (opens in new window).

The one downside to using this type of form is that consumers can’t choose which carriers to get pricing from. So if you prefer to choose specific insurance companies to compare, we put together a list of car insurance companies in your area. Click here to view list.

It’s up to you which method you use, but make sure you use the exact same coverage limits for each comparison quote. If each company quotes differing limits then you won’t be able to determine the best price for your Toyota Land Cruiser.

Save big with these discounts

Companies don’t always list all available discounts very clearly, so we took the time to find some of the more common and the more hidden discounts you could be receiving. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Anti-lock Brake System – Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
  • Sign Early and Save – Select companies give a discount for signing up before your current expiration date. It can save you around 10%.
  • New Car Discount – Insuring a new car can be considerably cheaper since new cars are generally safer.
  • Student in College – Children who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • Sign Online – A handful of insurance companies may give you up to $50 for buying a policy and signing up over the internet.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Drivers Education – Require your teen driver to enroll in driver’s education in high school.

It’s important to note that most credits do not apply to your bottom line cost. Most cut specific coverage prices like liability and collision coverage. Just because it seems like you can get free auto insurance, it just doesn’t work that way.

To see a list of providers who offer auto insurance discounts, click here.

But I don’t know anything about car insurance

When choosing proper insurance coverage, there really is not a one size fits all plan. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions might help in determining if your insurance needs could use an agent’s help.

  • Are rental cars covered under my policy?
  • Where can I get insurance after a DUI in my state?
  • Does my 1998 Toyota Land Cruiser need full coverage?
  • Am I covered if I hit a deer?
  • How much can I save by bundling my policies?
  • Will I be non-renewed for getting a DUI or other conviction?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Car insurance specifics

Having a good grasp of your car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types available from car insurance companies.

Auto collision coverage

This will pay to fix damage to your Land Cruiser from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as crashing into a building, hitting a mailbox and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Liability insurance

This coverage protects you from injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU against other people’s claims. It does not 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 commonly see values of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as attorney fees, medical expenses, repair costs for stationary objects and loss of income. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Comprehensive coverages

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hitting a bird, damage from a tornado or hurricane, falling objects, theft and fire damage. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

This coverage provides protection when the “other guys” 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 carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like doctor visits, chiropractic care, funeral costs, X-ray expenses and dental work. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Stretch your dollar

In this article, we covered a lot of tips how to shop for 1998 Toyota Land Cruiser insurance online. It’s most important to understand that the more quotes you get, the higher your chance of finding lower rates. Consumers could even find that the lowest premiums are with a lesser-known regional company. These smaller insurers may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm and Allstate.

Lower-priced insurance is attainable both online in addition to many insurance agents, and you should be comparing both in order to have the best chance of saving money. Some companies do not provide you the ability to get quotes online and these smaller companies work with independent agents.

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