How Much Does 2014 Toyota Land Cruiser Insurance Cost?

Searching for low-cost insurance for your Toyota Land Cruiser can normally be a painful process, but you can learn a few tricks and make it easy.

There are more efficient ways to compare auto insurance rates so we’re going to tell you the absolute fastest way to compare rates for a new or used Toyota and find the best price possible from both online companies and local agents.

Consumers need to price shop coverage at least once a year because rates are usually higher with each renewal. If you had the lowest premium rates on Land Cruiser coverage on your last policy there may be better deals available now. Don’t believe everything you read about auto insurance out there, but in just a couple of minutes you can learn some proven techniques to stop overpaying for insurance.

How to buy insurance coverage

Performing a rate comparison can be exhausting if you aren’t aware of the best way to get rate quotes. You can waste a lot of time discussing policy coverages with insurance companies in your area, or you could save time and use the web to get rate comparisons in just a few minutes.

Most of the larger companies belong to an insurance system where prospective buyers complete one form, and each participating company then returns a price quote for coverage. This eliminates the need for quote forms for every insurance coverage company.

To get comparison pricing now click here (opens in new window).

The only downside to using this type of form is that consumers can’t choose which providers you will receive quotes from. If you prefer to choose specific insurance companies to compare prices, we have a page of insurance coverage companies in your area. Click here to view list.

It’s up to you which method you use, but compare identical coverage information for each comparison quote. If you compare different data you can’t possibly decipher which rate is best.

Don’t overlook these auto insurance discounts

Some insurers do not list all possible discounts in a way that’s easy to find, so the below list has both the well known and the more hidden credits that you can use to lower your rates. If you don’t get every credit you deserve, you are just wasting money.

Driver’s Ed – Cut your cost by having your teen driver participate in a local driver’s education class if it’s offered in school.
More Vehicles More Savings – Insuring more than one vehicle with one company could earn a price break for each car.
Discounts for Responsible Drivers – Insureds who avoid accidents may receive a discount up to 45% on Land Cruiser coverage than drivers with accidents.
Discount for New Cars – Insuring a vehicle that is new can be considerably cheaper because newer vehicles keep occupants safer.
Discount for Multiple Policies – If you combine your homeowners and auto policies with the same insurance company you will save up to 20% off your total premium.
Distant College Student Discount – who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
Include Life Insurance and Save – Select insurance companies reward you with better rates if you take out auto and life insurance together.
Military Discounts – Being deployed with a military unit could trigger a small discount.
Government Employees – Active or retired federal employment can save as much as 8% on Land Cruiser coverage depending on your auto insurance provider.
ABS Braking Discount – Vehicles with ABS and/or traction control are safer to drive so you can save 10 percent or more.

Don’t be shocked that most of the big mark downs will not be given to your bottom line cost. Some only apply to specific coverage prices like liability, collision or medical payments. Even though it appears all those discounts means the company will pay you, you’re out of luck.

Large auto insurance companies and some of the discounts include:

21st Century may include discounts for good student, theft prevention, anti-lock brakes, driver training, 55 and older, and defensive driver.
Progressive has savings for online signing, homeowner, multi-vehicle, continuous coverage, and online quote discount.
State Farm policyholders can earn discounts including Drive Safe & Save, safe vehicle, multiple autos, anti-theft, passive restraint, multiple policy, and Steer Clear safe driver discount.
Nationwide includes discounts for family plan, business or organization, anti-theft, accident-free, good student, and easy pay.
Esurance has discounts for defensive driver, claim free, paid-in-full, online quote, anti-theft, emergency road assistance, and safety device.
The Hartford may offer discounts for air bag, defensive driver, anti-theft, good student, bundle, and vehicle fuel type.

Before buying, ask all the companies which discounts they offer. Some of the earlier mentioned discounts may not apply to policyholders in your area. For a list of insurance companies with the best discounts, click here.

When to get professional advice

When it comes to buying the best insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Each situation is unique.

For example, these questions might help in determining whether or not you may require specific advice.

Am I covered if I hit a deer?
Will my insurance pay for OEM parts?
Does liability extend to a camper or trailer?
Does having multiple vehicles earn me a discount?
How much liability do I need to cover my assets?
Where can I get insurance after a DUI in my state?
Does my insurance cover a custom paint job?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Insurance policy coverages for a Toyota Land Cruiser

Having a good grasp of insurance can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Liability insurance

This provides protection from damage that occurs to a person or their property in an accident. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things like legal defense fees, repair costs for stationary objects, medical services, repair bills for other people’s vehicles and attorney fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive or Other Than Collision

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, hail damage and damage from flooding. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for collisions

This covers damage to your Land Cruiser caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like scraping a guard rail, colliding with another moving vehicle, crashing into a building, rolling your car and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Medical costs insurance

Med pay and PIP coverage kick in for expenses for doctor visits, EMT expenses and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

UM/UIM Coverage

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Toyota Land Cruiser.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these limits are set the same as your liablity limits.