How Much Does 2011 Toyota Land Cruiser Insurance Cost?

Trying to find the cheapest auto insurance rates? Buyers have many options when searching for the best price on Toyota Land Cruiser insurance. You can either waste hours struggling with agents trying to get quotes or utilize the internet to get rate quotes. There are both good and bad ways to buy auto insurance so we’re going to tell you the best way to price shop coverage for a Toyota and obtain the cheapest rates either online or from local insurance agents.

First Step: Get free auto insurance quotes

Finding a better price on auto insurance is an easy way to save money. Just spend a few minutes on the computer to compare free insurance coverage quotes provided by online insurance companies. This can be accomplished in several different ways.

The most efficient method to find low rates is a comparison rater form like this one (opens in new window). This quick form saves time by eliminating separate forms for every auto insurance company. A single, simple form gets coverage cost estimates from several companies. Just one form and you’re done.

A less efficient way to find lower rates consists of visiting each company website and repeat the quote process again and again. For instance, let’s assume you want to compare Progressive, Farmers and Geico. You would be required to take the time to go to each site and enter your policy data, which can get old fast.

For a list of links to companies insuring cars in your area, click here.

The method you choose is up to you, but make sure you are using identical coverages on every price quote you get. If the quotes have differing limits it will be impossible to determine the best price for your Toyota Land Cruiser.

Insurance coverage policy discounts

Some insurance providers don’t always list their entire list of discounts in a way that’s easy to find, so the list below gives a summary of both well-publicized and the harder-to-find credits that may apply to you.

  • Policy Bundle Discount – If you combine your home and auto policies with one insurance company they may give you a discount of approximately 10% to 15%.
  • Active Military Service – Being on active duty in the military could be rewarded with lower rates.
  • Memberships – Being in specific professional or occupational memberships or organizations could earn you a nice discount on your bill.
  • Accident Forgiveness – This one isn’t a discount, but a handful of insurance companies may permit one accident before your rates go up if you have no claims prior to being involved in the accident.
  • ABS Braking Discount – Cars, trucks, and SUVs with ABS and/or traction control are much safer to drive and qualify for as much as a 10% discount.
  • No Claim Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on insurance coverage quote when compared to policyholders that have many claims.
  • Own a Home – Owning your own home or condo can save you money since home ownership demonstrates responsibility.
  • Discount for Low Mileage – Low mileage vehicles can qualify you for lower premium rates due to less chance of an accident.
  • Seat Belts Save more than Lives – Drivers who require all vehicle occupants to use a seat belt may be able to save a few bucks off the personal injury premium cost.

A little note about advertised discounts, most credits do not apply the the whole policy. Most only reduce individual premiums such as liability and collision coverage. Just because you may think you would end up receiving a 100% discount, nobody gets a free ride.

A list of insurance coverage companies and some of their more popular discounts include:

  • American Family may include discounts for bundled insurance, defensive driver, air bags, good driver, and TimeAway discount.
  • Farm Bureau policyholders can earn discounts including driver training, 55 and retired, good student, safe driver, multi-policy, multi-vehicle, and renewal discount.
  • State Farm includes discounts for Drive Safe & Save, Steer Clear safe driver discount, multiple autos, safe vehicle, and driver’s education.
  • Travelers offers discounts including IntelliDrive, early quote, home ownership, multi-car, good student, and continuous insurance.
  • The Hartford offers discounts for bundle, driver training, vehicle fuel type, good student, air bag, and defensive driver.
  • Geico has savings for daytime running lights, emergency military deployment, membership and employees, air bags, driver training, and defensive driver.
  • Progressive may have discounts that include good student, continuous coverage, multi-vehicle, homeowner, online signing, and multi-policy.

Before purchasing a policy, check with every prospective company what discounts are available to you. Some discounts listed above might not apply in your state.

How do I know if I need professional advice?

When it comes to choosing proper insurance coverage, there is no one size fits all plan. Each situation is unique.

Here are some questions about coverages that may help you determine whether or not you might need an agent’s assistance.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • If my 2011 Toyota Land Cruiser is totaled, can I afford another vehicle?
  • Is a fancy paint job covered?
  • Should I file a claim if it’s only slightly more than my deductible?
  • What is UM/UIM insurance?
  • Should I waive the damage coverage when renting a car?
  • What vehicles should carry emergency assistance coverage?
  • Do I need PIP coverage since I have good health insurance?
  • Should I get collision insurance on every vehicle?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and may give you better protection.

Insurance coverage basics

Having a good grasp of your insurance policy aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Comprehensive (Other than Collision)

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, hail damage, a broken windshield and fire damage. The most your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability insurance

This coverage provides protection from damage or injury you incur to a person or their property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things like funeral expenses, medical expenses and repair costs for stationary objects. How much coverage you buy is up to you, but consider buying higher limits if possible.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and also any damage incurred to your 2011 Toyota Land Cruiser.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like doctor visits, rehabilitation expenses and pain medications. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This will pay to fix damage to your Land Cruiser resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with a tree, backing into a parked car, rolling your car, scraping a guard rail and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.