2008 Toyota Land Cruiser Insurance Rates – 9 Policy Discounts

Trying to find cheaper car insurance rates for your Toyota Land Cruiser? Nobody I know likes paying for car insurance, especially knowing the prices are way too high. Big companies like Geico, 21st Century and Progressive constantly blast consumers with ads and it can be hard to not get sucked in by the cute commercials and take the time to shop coverage around.

Cheapest auto insurance price quotes

Most major insurance companies such as Geico, State Farm and Progressive allow you to get prices on their websites. This process is easy for anyone as you simply type in your required coverages on the page. Upon sending the form, the system pulls your credit score and driving record and provides a quote based on these and other factors. This simplifies rate comparisons, but having to visit several different sites and enter the same data into a form is a big time waster. But it’s absolutely necessary to perform this step in order to get the best price on auto insurance.

Keep reading for an easier way to compare prices

A less time-consuming method to lower your rates uses one simple form that gets prices from many companies. This type of form saves time, eliminates repetitive work, and makes comparison shopping much more enjoyable and efficient. As soon as the form is sent, your coverage is rated and you can select any of the pricing results.

If the quotes result in lower rates, you can click and sign and purchase the new policy. The whole process just takes a couple of minutes and you’ll know if lower rates are available.

To find out how much you’re overpaying now, click here to open in a new tab and submit your coverage information. To compare your current rates, we recommend you duplicate your coverages just like they are on your policy. This helps ensure you will be getting comparison quotes using the same coverage and limits.

Car insurance policy discounts

The price of auto insurance can be rather high, but there could be significant discounts that you may not even know about. Many discounts should be triggered at the time you complete a quote, but some may not be applied and must be requested specifically before you get the savings.

  • Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education in school or through a local driver safety program.
  • Defensive Driver – Participating in a course in driver safety can save you 5% or more and make you a better driver.
  • Air Bags and Passive Restraints – Factory air bags can get savings of more than 20%.
  • Accident Waiver – Not really a discount, but a few companies such as Liberty Mutual, Allstate and State Farm may permit one accident without raising rates so long as you haven’t had any claims prior to the accident.
  • Telematics Data Discounts – Insureds who allow companies to monitor where and when they drive by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if their driving habits are good.
  • Government Employees – Federal government employees could provide a small rate reduction on Land Cruiser coverage with a few car insurance companies.
  • Paperless Signup – A few larger online companies provide a small discount for completing your application online.
  • Discount for Life Insurance – Larger insurance carriers have lower rates if you buy a life insurance policy as well.
  • Seat Belt Discounts – Requiring all passengers to buckle up can save up to 10 percent (depending on the company) off PIP or medical payments premium.

A quick disclaimer, most of the big mark downs will not be given to all coverage premiums. Most only reduce the price of certain insurance coverages like comprehensive or collision. Even though the math looks like you can get free auto insurance, you won’t be that lucky.

To choose insurance companies with the best discounts, click here to view.

How do I know if I need professional advice?

When buying proper insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s needs are different so your insurance should reflect that These are some specific questions can help discover if your insurance needs might need an agent’s assistance.

  • Where can I find DUI or SR-22 insurance?
  • Does my liability insurance cover pulling a trailer or camper?
  • When can I cancel my policy?
  • Is business property covered if stolen from my car?
  • Are all vehicle passengers covered by medical payments coverage?
  • Am I better off with higher deductibles on my 2008 Toyota Land Cruiser?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

The auto insurance bait and switch

Consumers constantly see and hear ads for auto insurance savings by Geico, State Farm and Progressive. All the companies have a common claim that drivers will save a bundle if you just switch your policy.

But how can every company save you money? This is the way they can do it.

Many companies look for specific characteristics for the type of customer that is profitable for them. An example of a preferred risk might be described as a female over age 40, has a clean driving record, and chooses high deductibles. A driver that fits those parameters will qualify for the lowest rates and will also save money with a new company.

Drivers who do not meet this ideal profile will be charged a higher rate and this can result in the customer not buying. If you listen closely, the ads state “customers who switch” not “everyone that quotes” will save that much if they switch. That’s the way insurance companies can confidently make claims that they all have the best car insurance rates.

This emphasizes why you really should get insurance coverage quotes as often as possible. It is just not possible to predict with any certainty which company will have the best rates for your profile.

Auto insurance coverage basics

Learning about specific coverages of your policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverage types offered by auto insurance companies.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as surgery, EMT expenses and pain medications. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision – This coverage will pay to fix damage to your Land Cruiser resulting from colliding 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 backing into a parked car, colliding with a tree and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Auto liability insurance – This coverage protects you from damages or injuries you inflict on a person or their property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims such as funeral expenses, emergency aid, medical services, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and damage to your Toyota Land Cruiser.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these coverages are set the same as your liablity limits.

Comprehensive coverage – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as rock chips in glass, damage from a tornado or hurricane and vandalism. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

In Summary

The cheapest 2008 Toyota Land Cruiser insurance is definitely available on the web as well as from insurance agents, so you should compare both to have the best chance of lowering rates. A few companies don’t offer rate quotes online and most of the time these small insurance companies only sell through independent insurance agencies.

In this article, we covered some good ideas how to compare 2008 Toyota Land Cruiser insurance prices online. The key concept to understand is the more companies you get rates for, the better likelihood of getting low cost insurance coverage. You may even find the lowest prices are with a small mutual company. Regional companies may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm and Allstate.

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