View 1999 Toyota Land Cruiser Car Insurance Rates

Looking for lower car insurance rates for your Toyota Land Cruiser? Are you a victim of an underperforming, overpriced car insurance policy? You’re preaching to the choir because many drivers feel the same as you. Having so many car insurance companies to choose from, it’s nearly impossible to find a lower cost car insurance company.

How much does insurance coverage cost?

Finding a lower price on 1999 Toyota Land Cruiser insurance doesn’t have to be difficult. The only requirement is to spend a few minutes comparing price quotes provided by online insurance companies. Comparing prices online can be done using one of these methods.

  1. The recommended way to find low rates is an all-inclusive rate comparison (click to open form in new window). This method prevents you from having to do separate quotes for each company you want a rate for. In just a few minutes this one form gets coverage cost estimates direct from many companies.
  2. Another way to obtain and compare quotes online is to take the time to go to the website for each individual company and request a quote. For sake of this example, we’ll pretend you want to compare rates from Nationwide, 21st Century and State Farm. You would have to spend time going to each site individually to input your insurance information, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.

How you compare quotes is your choice, just do your best to use apples-to-apples coverage limits and deductibles on every quote. If each company quotes different coverage information it will be nearly impossible to make a fair comparison for your Toyota Land Cruiser.

Components of your Toyota Land Cruiser insurance prices

Many factors are part of the calculation when you get a price on insurance. Some are pretty understandable like your driving record, but other factors are not as apparent such as your marital status or your commute time.When buying insurance it’s important to understand some of the factors that come into play when calculating your policy premiums. When you understand what impacts premium levels, this helps enable you to make changes that can earn you big savings.

Listed below are just a few of the factors utilized by car insurance companies to help set premiums.

  • Better credit means lower costs – Your credit history is a large factor in your rate calculation. Insureds with excellent credit tend to be less risk to insure than drivers with poor credit. If your credit leaves room for improvement, you may save money insuring your 1999 Toyota Land Cruiser by improving your rating.
  • Lower rates for married couples – Being married can get you a discount when buying insurance. Having a spouse demonstrates that you tend to be more stable financially and insurance companies reward insureds because married couples file fewer claims.
  • Do you know your physical damage deductibles? – Insurance for physical damage, otherwise known as comp (or other than collision) and collision, protects your Toyota from damage. Some examples of covered claims could be a windshield shattered by a rock, flood damage, and burglary. The deductibles you choose define the amount you are required to spend if the claim is covered. The more of the claim the insured is willing to pay, the less money you will pay for insurance on Land Cruiser insurance.
  • Higher insurance rates for specific jobs – Jobs such as judgespolice officers and medical professionals usually pay higher average rates because of intense work requirements and lots of time spent away from family. On the flip side, jobs like farmers, historians and retirees have the lowest average rates on Land Cruiser insurance.
  • Good drivers pay the best costs – Just one ticket can increase rates forty percent or more. Drivers who don’t get tickets receive lower rates than bad drivers. Drivers who have received multiple tickets like hit and run, DWI or reckless driving convictions may find that they have to to file a SR-22 with the DMV in their state in order to legally drive a vehicle.

Insurance companies offer many types of discounts

Some insurance providers don’t always advertise every policy discount very well, so below is a list both well-publicized as well as the least known credits available to bring down your rates. If you check and find you aren’t receiving every discount possible, you are not getting the best rate possible.

  • Active Service Discounts – Being on active deployment in the military could mean lower premium rates.
  • Distant Student Discount – Youth drivers who attend college more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
  • Multi-policy Discount – If you can bundle your auto and homeowners insurance with the same insurance company you could get a discount of approximately 10% to 15%.
  • Claim Free – Drivers who don’t have accidents pay much less as compared to drivers who are more careless.
  • Accident Forgiveness Coverage – Not a discount per se, but a few companies such as Allstate, State Farm and Geico will turn a blind eye to one accident before raising your premiums so long as you are claim-free for a certain period of time.
  • Full Payment Discount – If paying your policy premium upfront rather than paying in monthly installments you could save 5% or more.
  • Telematics Data Discounts – Drivers who agree to allow data collection to track driving habits by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates if they show good driving skills.
  • Discounts for Cautious Drivers – Drivers without accidents may save up to 50% more on Land Cruiser insurance as compared to drivers with claims.

While discounts sound great, it’s important to understand that some of the credits will not apply to the entire cost. The majority will only reduce individual premiums such as medical payments or collision. Despite the fact that it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

Popular insurance companies and their possible discounts are detailed below.

  • Progressive has discounts for multi-vehicle, homeowner, online quote discount, good student, multi-policy, and continuous coverage.
  • Farmers Insurance has savings for business and professional, youthful driver, pay in full, bundle discounts, distant student, early shopping, and teen driver.
  • Farm Bureau may have discounts that include multi-policy, good student, safe driver, multi-vehicle, 55 and retired, renewal discount, and driver training.
  • State Farm policyholders can earn discounts including accident-free, Drive Safe & Save, good driver, defensive driving training, student away at school, and anti-theft.
  • Geico offers discounts including anti-lock brakes, good student, defensive driver, air bags, anti-theft, membership and employees, and seat belt use.
  • SAFECO includes discounts for teen safety rewards, homeowner, bundle discounts, accident prevention training, and safe driver.
  • Liberty Mutual may offer discounts for new vehicle discount, new graduate, hybrid vehicle, multi-policy, safety features, and newly married.

If you want the cheapest insurance coverage quotes, ask each insurance company what discounts are available to you. Discounts may not be available in your area. To locate insurance companies offering insurance discounts, click here to view.

Do I just need basic coverages?

When choosing the best auto insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that could help you determine if you could use an agent’s help.

  • Do I pay less for low miles?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered if hit by an uninsured driver?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I need higher collision deductibles?
  • Are my friends covered when driving my 1999 Toyota Land Cruiser?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is other people’s property covered if stolen from my vehicle?
  • When can my company non-renew my policy?
  • Do I need more liability coverage?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It only takes a few minutes and may give you better protection.

What auto insurance coverages do you need?

Learning about specific coverages of a auto insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Shown next are typical coverages offered by auto insurance companies.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these coverages do not exceed the liability coverage limits.

Collision insurance

This coverage pays for damage to your Land Cruiser from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a building, damaging your car on a curb and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive coverages

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hail damage, damage from getting keyed, damage from a tornado or hurricane, rock chips in glass and theft. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverage

This coverage will cover injuries or damage you cause to other’s property or people. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims such as legal defense fees, bail bonds and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like surgery, chiropractic care, dental work and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Smart shoppers get results

When you buy insurance coverage online, never skimp on critical coverages to save a buck or two. In many instances, an insured cut comprehensive coverage or liability limits only to discover later that the savings was not a smart move. Your aim should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

Lower-priced 1999 Toyota Land Cruiser insurance is attainable on the web and also from your neighborhood agents, and you need to price shop both to have the best rate selection. There are still a few companies who may not have price quotes online and these regional carriers work with independent agencies.

Throughout this article, we presented many ways to save on 1999 Toyota Land Cruiser insurance. The most important thing to understand is the more you quote insurance coverage, the higher your chance of finding cheap insurance coverage. Consumers could even find that the lowest rates come from a small local company. These smaller insurers may only write in your state and offer lower car insurance rates compared to the large companies like State Farm, Geico and Nationwide.

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