Compare 1998 Toyota Land Cruiser Insurance Quotes

Trying to find lower car insurance rates for your Toyota Land Cruiser? Searching for low-cost insurance for a Toyota Land Cruiser can turn out to be a lot of work, but you can use these tips to find lower rates.

There is a better way to compare car insurance rates so we’re going to tell you the proper way to compare rates for a Toyota and get the lowest price from local insurance agents and online providers.

Slash your car insurance rates with discounts

Car insurance is not cheap, but there could be available discounts that you may not know about. Certain credits will be shown when you get a quote, but once in a while a discount must be asked about in order for you to get them.

  • ABS Braking Discount – Vehicles with ABS and/or traction control can avoid accidents so companies give up to a 10% discount.
  • Professional Organizations – Belonging to specific professional or occupational memberships or organizations may earn a discount on your policy.
  • Life Insurance – Some car insurance companies give a discounted price on car insurance if you buy auto and life insurance together.
  • Driving Data Discount – Insureds that choose to allow driving data collection to spy on where and when they drive by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction if they have good driving habits.
  • Early Renewal Discounts – Some insurance companies reward drivers for renewing your policy prior to your current policy expiring. The savings is around 10%.
  • Student in College – College-age children who are attending college and do not have a car can receive lower rates.
  • Defensive Driver Discounts – Taking time to complete a course teaching defensive driving skills can save you 5% or more if your company offers it.
  • Waiver for an Accident – This one isn’t a discount, but companies like Progressive and Allstate allow you one accident without raising rates if you are claim-free before the accident.
  • Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with cheaper car insurancerates.
  • Safety Restraint Discount – Drivers who require all vehicle occupants to buckle their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.

As a footnote on discounts, most discounts do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like you can get free auto insurance, you’re out of luck.

For a list of insurance companies that can offer you the previously mentioned discounts, follow this link.

You are unique and your car insurance should be too

When buying adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Each situation is unique.

For example, these questions might help in determining if your insurance needs could use an agent’s help.

  • Do I have newly-aquired coverage?
  • Is my teen driver covered when they drive my company car?
  • What is an SR-22 filing?
  • Am I covered when using my vehicle for business?
  • Is other people’s property covered if stolen from my vehicle?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is my nanny covered when driving my vehicle?
  • What are the best liability limits?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form. It’s fast, free and can provide invaluable advice.

Car insurance 101

Learning about specific coverages of a insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like rock chips in glass, fire damage, damage from a tornado or hurricane and a broken windshield. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for bills like dental work, pain medications, doctor visits and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Auto liability insurance

This coverage can cover damage that occurs to other people or property that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims like pain and suffering, legal defense fees, structural damage and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Toyota Land Cruiser.

Since a lot of drivers have only the minimum liability required by law, 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. Frequently these limits are similar to your liability insurance amounts.

Collision insurance

Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a building, sustaining damage from a pot hole, driving through your garage door, colliding with a tree and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

At the end of the day…

As you shop your coverage around, it’s a bad idea to skimp on critical coverages to save a buck or two. In too many instances, someone dropped liability coverage limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal is to buy a smart amount of coverage for the lowest cost, but do not sacrifice coverage to save money.

Some insurance companies may not offer online price quotes and many times these smaller companies work with independent insurance agencies. Budget-conscious 1998 Toyota Land Cruiser insurance is attainable online and also from your neighborhood agents, and you need to comparison shop both to get a complete price analysis.

We just showed you many tips how you can lower your 1998 Toyota Land Cruiser insurance rates. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. Consumers may even find the lowest priced insurance coverage comes from some of the smallest insurance companies.

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