2017 Toyota Land Cruiser Car Insurance Rates – 10 Policy Discounts

Looking for better car insurance rates for your Toyota Land Cruiser? Buying discount car insurance over the internet might seem intimidating for people not familiar with buying their car insurance online. Since there are so many insurers available, how can anyone possibly compare every possible option in order to find the lowest price?

Pricing affordable auto insurance coverage is quite easy. Essentially everyone who carries auto insurance will be able to find better rates. But consumers do need to understand the way companies compete online and use this information to your advantage.

Ten discounts to earn cheaper insurance rates

Not many people think insurance is cheap, but you might already qualify for some discounts that you may not know about. Larger premium reductions will be automatically applied at quote time, but occassionally some discounts must be manually applied prior to receiving the credit.

  • Waiver for an Accident – Not really a discount, but certain companies will let one accident slide before raising your premiums if your claims history is clear prior to being involved in the accident.
  • Data Collection Discounts – People who choose to allow their company to track driving patterns remotely like Allstate’s Drivewise may see discounts if they are good drivers.
  • College Student Discount – who are attending college without a vehicle on campus can receive lower rates.
  • ABS Braking Discount – Cars and trucks with ABS and/or traction control can reduce accidents and earn discounts up to 10%.
  • More Vehicles More Savings – Buying coverage for multiple cars with the same company can reduce the rates for all insured vehicles.
  • Good Students Pay Less – Being a good student may save you up to 25%. Many companies even apply the discount to college students well after school through age 25.
  • Cautious Drivers – Drivers who avoid accidents can pay as much as 50% less for Land Cruiser coverage than their less cautious counterparts.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than spreading payments over time you could save up to 5%.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a break if you buy some life insurance too.
  • E-sign Discounts – A few larger online companies will give you a small discount for signing up digitally online.

As is typical with insurance, many deductions do not apply to your bottom line cost. Some only reduce specific coverage prices like medical payments or collision. So even though it sounds like it’s possible to get free car insurance, companies wouldn’t make money that way.

A list of companies and some of the premium reductions they offer are shown below.

  • Progressive discounts include good student, multi-policy, online quote discount, online signing, homeowner, multi-vehicle, and continuous coverage.
  • SAFECO may include discounts for homeowner, multi-car, anti-lock brakes, safe driver, and teen safe driver.
  • American Family may have discounts that include multi-vehicle, Steer into Savings, good driver, air bags, and bundled insurance.
  • MetLife includes discounts for good student, accident-free, defensive driver, good driver, claim-free, multi-policy
  • Geico may offer discounts for anti-lock brakes, emergency military deployment, anti-theft, multi-vehicle, driver training, federal employee, and good student.
  • The Hartford offers discounts for anti-theft, air bag, driver training, bundle, and good student.

Before you buy a policy, ask each company or agent which discounts you qualify for. Some discounts may not apply to policies in your state. If you would like to see a list of insurance companies with discount insurance rates, click here to view.

Drivers who switch save $481 a year? Really?

Big name companies like Progressive, Geico, Allstate and State Farm seem to constantly run ads on television and other media. They all seem to make an identical promise that drivers will save a bundle if you get a free auto insurance quote and switch your coverage. But how can every company make almost identical claims? Here is how they do it.

All the different companies give the best rates for the type of driver that will add to their bottom line. A good example of a desirable insured may need to be married and over the age of 30, has a low-risk occupation, and drives less than 7,500 miles a year. Anyone who matches that profile gets the lowest premium rates and as a result will probably save when switching.

Insureds who cannot meet the ideal profile will probably have to pay higher premium rates and the customer buying from a different company. The ads state “drivers that switch” not “everyone that quotes” save money. That is how companies can truthfully make those claims.

Different companies use different criteria so you really need to compare price quotes frequently. It’s just too difficult to predict the company that will fit your personal profile best.

Tailor your auto insurance coverage to you

When choosing coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique.

For instance, these questions can aid in determining if your situation could use an agent’s help.

  • Does my liability insurance cover pulling a trailer or camper?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my custom paint covered by insurance?
  • Do I need rental car coverage?
  • Do I have newly-aquired coverage?
  • Should I rate my 2017 Toyota Land Cruiser as pleasure use or commute?
  • What if I total my 2017 Toyota Land Cruiser and owe more than it’s worth?
  • How high should my uninsured/underinsured coverage be in my state?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Detailed coverages of your insurance policy

Having a good grasp of your insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Collision – This coverage pays for damage to your Land Cruiser caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like hitting a parking meter, crashing into a ditch, backing into a parked car and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive or Other Than Collision – This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hail damage, damage from flooding, rock chips in glass, a tree branch falling on your vehicle and hitting a deer. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability – This provides protection from damage that occurs to a person or their property by causing an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as repair costs for stationary objects, court costs, loss of income, pain and suffering and structural damage. How much coverage you buy is your choice, but buy as high a limit as you can afford.

UM/UIM Coverage – This provides protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Toyota Land Cruiser.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these limits are set the same as your liablity limits.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for expenses like prosthetic devices, funeral costs, chiropractic care and nursing services. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Spend less. Save more.

Some insurance providers may not offer internet price quotes smaller providers work with independent insurance agencies. Budget-conscious 2017 Toyota Land Cruiser insurance is attainable both online and with local insurance agents, and you should compare price quotes from both to get a complete price analysis.

Insureds leave their current company for a variety of reasons including questionable increases in premium, delays in responding to claim requests, high prices or poor customer service. Whatever your reason, finding a new company is less work than it seems.

You just read a lot of information how to lower your 2017 Toyota Land Cruiser insurance prices. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding cheap auto insurance. Consumers could even find that the lowest priced insurance coverage comes from a small local company.

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