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Toyota Land Cruiser Insurance Quotes

Comparing auto insurance through online providers is simple to do, in addition you may find lower rates. The critical component is to take the time to get as many rate quotes as possible in order to accurately compare every possible rate.

Using the web to shop for auto insurance direct can be complicated if you have never used online quotes. But don't let that discourage you because we're going to show you how. Reducing your Land Cruiser insurance cost is surprisingly easy. All that's required is to spend a few minutes on the computer to compare quotes online with multiple companies. This can be done by getting a quick quote here.

Criteria which help determine Land Cruiser insurance rates

Insurance premiums for a Toyota Land Cruiser can vary widely subject to many criteria. A few of these criteria are:

  • Traffic citations increase rates
  • Credit rating
  • Your location impacts rates
  • How many miles you drive
  • Male drivers pay higher rates
  • The deductible you choose
  • NTSB crash rating for your vehicle
  • Whether or not you have claims
  • Maintaining coverage lowers rates
  • Owning a home can lower rates

One important consideration that can impact your rates is the age of the vehicle. Models that are new have a higher value compared to older Toyota models so the payout to repair can inflate annual premiums. But new Toyota models have more advanced features including autonomous braking, tire pressure monitors, and lane departure warning system which can help offset higher rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from the following list.

Liability auto insurance

Land Cruiser liability coverage provides protection from injuries or damage you cause to other people or property. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so buy higher limits if possible.

Collision coverage protection

This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Land Cruiser collision insurance is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

This coverage provides protection when the "other guys" either have no liability insurance or not enough. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills like ambulance fees, surgery, and doctor visits. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not universally available and may carry a deductible.

How Much are Toyota Land Cruiser Insurance Rates?