Cheap 1999 Toyota Land Cruiser Insurance Rates

Did you fall for a flashy sales pitch and buy an overpriced insurance policy? Trust us, you’re not alone.

You have so many insurers to buy insurance from, and although it’s nice to be able to choose, it makes it harder to compare rates.

How to save on Toyota Land Cruiser insurance

Insurance can be prohibitively expensive, but discounts can save money and there are some available that many people don’t even know exist. Certain discounts will be applied when you complete an application, but less common discounts must be specifically requested prior to receiving the credit.

  • Safe Drivers – Insureds without accidents may receive a discount up to 45% less on Land Cruiser coverage than drivers with accidents.
  • Early Signing – Some companies give discounts for switching to them prior to your current policy expiring. This can save 10% or more.
  • Accident Forgiveness – Some insurance companies permit an accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
  • Own a Home – Owning a home may earn you a small savings because maintaining a house shows financial diligence.
  • Senior Discount – Older drivers can possibly qualify for a discount up to 10% on Land Cruiser coverage.
  • Payment Discounts – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
  • Paperless Signup – A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.
  • Memberships – Affiliation with a professional or civic organization is a good way to get lower rates when shopping for insurance on Land Cruiser coverage.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.
  • New Vehicle Savings – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.

It’s important to understand that most discount credits are not given the the whole policy. Most cut the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, insurance companies aren’t that generous. Any amount of discount will help reduce the amount you have to pay.

To see a list of insurance companies with discount insurance rates, click here to view.

The best way we recommend to compare insurance rates in your area is to take advantage of the fact most insurance companies participate in online systems to compare their rates. All you need to do is provide the companies a bit of rating information including how much school you completed, if it has an anti-theft system, the year, make and model of vehicles, and level of coverage desired. The data is instantly provided to many highly-rated insurers and you should receive rate quotes quickly.

To start a quote now, click here and enter the information requested.

Tailor your coverage to you

When it comes to buying coverage for your vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions may help highlight whether you could use an agent’s help.

  • Where can I find high-risk insurance?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is motorclub coverage worth it?
  • Will my insurance pay for OEM parts?
  • When should I drop full coverage on my 1999 Toyota Land Cruiser?
  • Can I afford low physical damage deductibles?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Coverages available on your car insurance policy

Knowing the specifics of car insurance helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find typical coverages found on the average car insurance policy.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for bills like prosthetic devices, dental work and hospital visits. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability car insurance

Liability coverage will cover damage that occurs to a person or their property. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like repair bills for other people’s vehicles, emergency aid, structural damage, legal defense fees and medical expenses. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from getting keyed, rock chips in glass and falling objects. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 1999 Toyota Land Cruiser.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits are similar to your liability insurance amounts.

Coverage for collisions

Collision coverage covers damage to your Land Cruiser from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like sideswiping another vehicle, damaging your car on a curb and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Do the work, save more money

We covered a lot of tips how to compare 1999 Toyota Land Cruiser insurance prices online. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding lower rates. You may even find the best price on car insurance is with a lesser-known regional company. Some small companies often have lower prices on specific markets compared to the large companies like Progressive or GEICO.

Cost effective insurance is definitely available on the web in addition to many insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance providers do not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

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