How Much Does 2004 Toyota 4Runner Insurance Cost?

Locating the cheapest insurance for a new or used Toyota 4Runner can be a lot of work, but you can follow these tips to save time.

There is a right way and a wrong way to find auto insurance online so you’re going to learn the quickest way to price shop coverage for a Toyota and locate the best price possible.

If you are insured now or need a new policy, you can learn to cut your premiums and possibly find even better coverage. Locating the best auto insurance can be fairly easy. Drivers only need an understanding of the most efficient way to get comparison quotes online.

Insurance Prices

Effectively comparing insurance prices can be a daunting task if you don’t know the most efficient way. You could waste a few hours discussing policy coverages with insurance agencies in your area, or you could save time and use the web to maximize your effort.

Most major companies participate in an industry program that enables customers to only type in their quote data once, and at least one company returns a competitive quote for coverage. This prevents consumers from doing form submissions for each company.

To participate in this free quote system, click here to open in new window.

One minor caviat to using this type of form is that consumers can’t choose which insurance companies to get pricing from. So if you prefer to pick specific insurance companies to compare, we have a page of the cheapest insurance companies in your area. Click to view list.

Which method you use is up to you, but compare apples-to-apples coverage limits and deductibles with every price quote. If you are comparing different deductibles then you won’t be able to make a fair comparison for your Toyota 4Runner.

Which policy gives me the best coverage?

When it comes to choosing proper insurance coverage, there is no “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that can aid in determining whether or not you might need an agent’s assistance.

Does my insurance cover my expensive audio equipment?
Are all vehicle passengers covered by medical payments coverage?
Do I need replacement cost coverage on my 2004 Toyota 4Runner?
If my pet gets injured in an accident are they covered?
When should I buy a commercial auto policy?
Is a new car covered when I drive it off the dealer lot?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Auto insurance 101

Understanding the coverages of car insurance can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many 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. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive protection

This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, rock chips in glass, hitting a bird, fire damage and hitting a deer. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability insurance

This coverage can cover 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 to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Occasionally you may see a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for things like court costs, loss of income, funeral expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Collision coverage

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sideswiping another vehicle, damaging your car on a curb, sustaining damage from a pot hole, colliding with another moving vehicle and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for bills like prosthetic devices, X-ray expenses, EMT expenses, surgery and chiropractic care. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible