How Much Does 2013 Toyota Land Cruiser Insurance Cost?

Looking for the cheapest car insurance rates for your Toyota Land Cruiser? Sick and tired of robbing Peter to pay Paul each month for car insurance? Your situation is no different than many other drivers.

Because there are so many options when it comes to car insurance, it can be challenging to find the most affordable company.

Locating affordable auto insurance coverage is easy if you know what you’re doing. Basically, anyone who carries auto insurance stands a good chance to be able to find better rates. Nevertheless, consumers must understand the methods companies use to market on the web and apply this information to your search.

You probably qualify for some discounts

Insuring your fleet can be pricey, but companies offer discounts that you may not even be aware of. Certain discounts will be triggered automatically when you complete an application, but some must be requested specifically before being credited.

  • Discount for Swiching Early – Select companies give a discount for signing up prior to your current policy expiration. The savings is around 10%.
  • Seat Belt Usage – Drivers who require all occupants to buckle their seat belts could save 15% off your medical payments premium.
  • Paperwork-free – A few companies will give a small break for buying your policy online.
  • 55 and Retired – If you’re over the age of 55, you may receive better insurance rates on Land Cruiser coverage.
  • Low Mileage – Fewer annual miles on your Toyota could qualify for lower rates on the low mileage vehicles.
  • Clubs and Organizations – Being a member of a qualifying organization could trigger savings on your policy on Land Cruiser coverage.

Keep in mind that some credits don’t apply to the entire cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, insurance companies aren’t that generous. Any amount of discount will reduce the cost of coverage.

A partial list of companies that may have some of the above discounts are:

Double check with each company how you can save money. Discounts might not be offered everywhere.

Car Insurance Prices Online

Effectively comparing car insurance prices can take hours if you don’t understand the best way to get rate quotes. You can waste a few hours (or days) driving to insurance agencies in your area, or you can utilize the internet to get prices fast.

All the larger companies participate in an industry program where insurance shoppers send in one quote, and each company then gives them pricing based on that data. This saves time by eliminating form submissions for each company.

To fill out one form to compare multiple rates now click here to start a free quote.

The single downside to using this type of form is you are unable to specify the providers to get pricing from. So if you prefer to choose specific providers to compare, we have a listing of low cost car insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, make darn sure you compare the exact same quote information on every quote. If you have different limits and deductibles on each one you can’t possibly decipher which rate is best. Having just a slight variation in limits could mean much higher rates. Just keep in mind that getting more free quotes helps you find the best rates.

There’s no such thing as the perfect policy

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different so your insurance should reflect that For example, these questions could help you determine if you may require specific advice.

  • Why do I need rental car insurance?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my policy pay for OEM or aftermarket parts?
  • Will filing a claim cost me more?
  • Is my ex-spouse still covered by my policy?
  • Does insurance cover damages from a DUI accident?
  • Am I missing any policy discounts?
  • Can my teen driver be rated on a liability-only vehicle?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

What auto insurance coverages do you need?

Knowing the specifics of your auto insurance policy aids in choosing the best coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and coverage can change by endorsement. These are typical coverages offered by auto insurance companies.

Uninsured and underinsured coverage – This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2013 Toyota Land Cruiser.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Normally these limits are similar to your liability insurance amounts.

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

Comprehensive insurance covers claims such as rock chips in glass, damage from flooding and damage from getting keyed. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision – Collision coverage covers damage to your Land Cruiser caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like scraping a guard rail, crashing into a ditch, hitting a parking meter and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like X-ray expenses, dental work, chiropractic care and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Liability auto insurance – Liability insurance provides protection from injuries or damage you cause to other people or property. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as bail bonds, repair bills for other people’s vehicles and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Smart shoppers get results

Cheaper 2013 Toyota Land Cruiser insurance can be purchased both online in addition to many insurance agents, and you need to comparison shop both to have the best selection. Some insurance coverage companies do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

We just showed you many ways to get a better price on insurance. The key concept to understand is the more times you quote, the better chance you’ll have of finding lower rates. You may even find the lowest rates come from a smaller regional carrier. Regional companies may only write in your state and offer lower rates compared to the large companies like Allstate, GEICO and Progressive.

When you buy insurance online, do not skimp on coverage in order to save money. There have been many cases where an insured cut full coverage only to discover later that the small savings ended up costing them much more. Your strategy should be to purchase plenty of coverage at the best price while still protecting your assets.

Additional information