How Much Does 2000 Toyota 4Runner Car Insurance Cost?

Searching for cheaper auto insurance rates? Consumers have a choice when looking for affordable Toyota 4Runner insurance. You can either spend your time calling around to get rate comparisons or use the internet to make rate comparisons.

There is a right way and a wrong way to shop for auto insurance so you’re going to learn the proper way to quote coverages for a new or used Toyota and find the lowest possible price.

Consumers should take time to compare prices occasionally because prices change regularly. Just because you had the lowest rates for 4Runner insurance a few years ago there may be better deals available now. Block out anything you think you know about auto insurance because you’re about to find out the only way to properly buy coverages while reducing your premium.

If you have a policy now or are looking for a new policy, you can follow these tips to reduce the price you pay and still get good coverage. The purpose of this post is to let you in on how to effectively get price quotes and some tricks to saving. Drivers only need to know the proper methods to shop online.

How to reduce 2000 Toyota 4Runner insurance rates

Car insurance is not cheap, buy you may qualify for discounts that you may not even be aware of. Certain discounts will be triggered automatically at quote time, but some must be asked for before being credited. If you don’t get every credit possible, you’re just leaving money on the table.

  • Life Insurance – Larger companies have a break if you buy life insurance from them.
  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • No Claims – Claim-free drivers can save substantially when compared with frequent claim filers.
  • No Charge for an Accident – Certain companies permit an accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
  • Military Discounts – Being deployed with a military unit may qualify for rate reductions.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of 20% or more.

Consumers should know that some of the credits will not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like medical payments or collision. So when it seems like adding up those discounts means a free policy, you’re out of luck. But any discount will reduce the amount you have to pay.

Companies that possibly offer these benefits include:

It’s a good idea to ask each insurance company which discounts you may be entitled to. Discounts might not apply in your area.

Car Insurance Prices Online

All the larger car insurance companies like Progressive, Allstate and Geico provide price estimates directly from their websites. The process is fairly straightforward as you simply type in the coverage amounts you desire as detailed in the form. After you complete the form, the system pulls your driving record and credit report and provides a quote based on these and other factors.

This makes it a lot easier to compare rates but the work required to visit each company’s website and repetitively fill out multiple forms can be a bit tiresome and repetitive. But it’s absolutely necessary to have as many quotes as possible if you are searching for lower prices.

A more efficient way to get multiple rate quotes is to use a quote form that analyzes rates from more than one company. This type of form saves time, requires less work, and makes price shopping online much easier. After sending your information, it gets priced and you can select any one of the resulting price quotes.

If the quotes result in lower rates, you can click and sign and purchase coverage. The whole process takes just a few minutes to complete and you will know how your current rates stack up.

To quickly find out if lower rates are available, simply click here to open in new window and submit the form. If you have a policy now, it’s recommended you copy the limits and deductibles exactly as shown on your declarations page. Doing this guarantees you’re receiving a rate comparison using the exact same coverages.

Pieces of the Toyota 4Runner insurance rate puzzle

It’s important that you understand the factors that play a part in calculating auto insurance rates. When you know what positively or negatively determines base rates enables informed choices that could result in better auto insurance rates.

Shown below are some of the items auto insurance companies consider when setting premiums.

  • Bad driving skills means higher rates – Even a single moving violation can increase rates by as much as thirty percent. Good drivers get better rates than people who have multiple driving citations. Drivers who get severe violations like DWI, reckless driving or hit and run convictions may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to drive a vehicle legally.
  • High crash test scores lower rates – Cars with high safety ratings get lower rates. Safe vehicles result in less severe injuries and fewer injuries translates into savings for insurance companies and thus lower rates. If your Toyota 4Runner has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • More people means more accidents – Choosing to live in a rural area can be a good thing when it comes to auto insurance. Fewer drivers means reduced accidents as well as less vandalism and auto theft. Drivers in populated areas have to deal with much more traffic to deal with and longer commutes to work. More time on the road translates into higher accident risk.
  • Do you know you’re credit rating? – Having a bad credit score is a important factor in determining your rates. Drivers with high credit scores tend to file fewer claims and have better driving records as compared to drivers with lower credit ratings. So if your credit is low, you could be paying less to insure your 2000 Toyota 4Runner by spending a little time repairing your credit.
  • You might want pay the small claims yourself – If you are a frequent claim filer, you can expect either higher rates or even cancellation. Car insurance companies award better rates to policyholders who do not rely on their insurance for small claims. Car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.

Tailor your coverage to you

When it comes to choosing adequate coverage for your vehicles, there really is not a one size fits all plan. Each situation is unique.

These are some specific questions may help you determine whether you would benefit from professional advice.

  • Am I covered if I drive in a foreign country?
  • Is my trailer covered?
  • Do I have coverage when making deliveries for my home business?
  • Does my insurance cover a custom paint job?
  • What is the ISO rating for a 2000 Toyota 4Runner?
  • How high should my medical payments coverage be?
  • Am I missing any policy discounts?
  • Is rental equipment covered for theft or damage?
  • What can I do if my company denied a claim?
  • Should I sign the liability waiver when renting a car?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Car insurance coverages explained

Knowing the specifics of a car insurance policy helps when choosing appropriate coverage for your vehicles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Coverage for collisions

This pays for damage to your 4Runner resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like crashing into a ditch, driving through your garage door and colliding with a tree. 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 increase the deductible in order to get cheaper collision rates.


Liability coverage will cover injuries or damage you cause to other people or property that is your fault. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as legal defense fees, bail bonds, repair bills for other people’s vehicles and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as funeral costs, prosthetic devices and EMT expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants as well as any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive protection

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as fire damage, hail damage, rock chips in glass and damage from a tornado or hurricane. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

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. Normally these coverages are identical to your policy’s liability coverage.

Quote often and quote early

Drivers leave their current company for many reasons like being labeled a high risk driver, policy non-renewal, delays in paying claims or even an unsatisfactory settlement offer. No matter why you want to switch, switching companies is not as hard as you think.

The cheapest 2000 Toyota 4Runner insurance can be purchased on the web and with local insurance agents, so you should compare both to get a complete price analysis. Some insurance companies do not offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

We’ve covered many tips how you can shop for insurance online. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding lower rates. You may even find the best prices are with an unexpected company.

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