1998 Toyota Land Cruiser Insurance Rates – 5 Tricks for Cheaper Quotes

Perplexed by the crazy number of insurance company choices? You’re not alone. People have so many choices that it can turn into a real challenge to find better rates.

It’s a great practice to get comparison quotes every six months since insurance rates fluctuate regularly. Just because you found the best deal for Land Cruiser insurance a few years ago you will most likely find a better rate today. Starting right now, forget anything you know (or think you know) about insurance because you’re about to learn one of the easiest ways to find better rates and still maintain coverage.

If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these tips. Shopping for more affordable coverage is not that difficult. But vehicle owners should learn how big insurance companies sell insurance online and apply this information to your search.

Compare the Market for Auto Insurance

There are several ways of comparing rate quotes from auto insurance companies in your area. The quickest method to find the lowest 1998 Toyota Land Cruiser rates consists of shopping online. It is quite easy and can be accomplished using a couple different methods.

The fastest way consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This type of form saves time by eliminating separate quotes to each individual auto insurance company. Just one form will return quotes from many national carriers.It’s the quickest way to get rates.

Another way to obtain and compare quotes online is to take the time to go to the website of each company and fill out their own quote form. For instance, we’ll assume you want rates from Nationwide, Liberty Mutual and GEICO. To get each rate you have to take the time to go to each site and enter your information, which is why the first method is more popular.

For a handy list of car insurance company links in your area, click here.

The least efficient method to compare rates is to waste gas driving to local insurance agencies. The internet eliminates the need for an insurance agent unless you prefer the professional guidance of a local agent. However, consumers can get prices online but buy from a local insurance agent. We’ll cover that shortly.

It’s up to you how you get prices quotes, just make sure you use apples-to-apples information with every price quote. If your comparisons have mixed coverages it’s impossible to determine the best price for your Toyota Land Cruiser. Quoting even small variations in coverage limits can make a big difference in price. And when comparison shopping, getting more free quotes will enable you to find better pricing.

It’s not one size fits all

When choosing the best car insurance coverage for your personal vehicles, there really is no cookie cutter policy. Every insured’s situation is different.

For example, these questions may help highlight if your insurance needs will benefit from professional help.

  • Why do I only qualify for high-risk insurance?
  • Can I afford low physical damage deductibles?
  • Should I buy additional glass protection?
  • Does my 1998 Toyota Land Cruiser qualify for pleasure use?
  • Is my state a no-fault state?
  • How can I find cheaper teen driver insurance?
  • Can I rent a car in Mexico?
  • Should I file a claim if it’s only slightly more than my deductible?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form.

Specifics of your insurance policy

Learning about specific coverages of your insurance policy can help you determine appropriate coverage for your vehicles. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for short-term medical expenses for chiropractic care, nursing services and funeral costs. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Auto collision coverage

This coverage pays for damage to your Land Cruiser from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like crashing into a ditch, backing into a parked car, sideswiping another vehicle and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Auto liability insurance

This coverage protects you from damage that occurs to a person or their property that is your fault. 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 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things like pain and suffering, structural damage, repair costs for stationary objects and bail bonds. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like vandalism, damage from getting keyed and hitting a deer. The highest amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Toyota Land Cruiser.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.