2013 Toyota Land Cruiser Insurance Quotes – 5 Tips for Cheapest Rates

Trying to find the cheapest auto insurance rates for your Toyota Land Cruiser? Are you sick and tired of robbing Peter to pay Paul to buy car insurance? You are no different than millions of other consumers. Insurance companies such as State Farm, GEICO and Farmers Insurance promote their brand names with TV and radio ads and consumers find it hard to avoid their marketing magic and do the work needed to find the best deal.

Companies offer discounts so take them!

Companies do not list every discount in a way that’s easy to find, so we researched some of the more common as well as the least known insurance coverage savings. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Multiple Vehicles – Insuring multiple vehicles on the same insurance coverage policy could earn a price break for each car.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same insurance company you will save 10% to 20% off each policy.
  • Use Seat Belts – Drivers who require all occupants to wear their seat belts could cut 10% or more off your medical payments premium.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
  • Air Bag Discount – Cars that have air bags or motorized seat belts may earn rate discounts up to 30%.

Keep in mind that most discounts do not apply to all coverage premiums. Most only cut individual premiums such as comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, companies wouldn’t make money that way.

A partial list of companies who might offer these benefits are:

Before buying, ask all companies you are considering how you can save money. Savings might not be offered in every state.

Misconceptions in insurance coverage advertisements

Consumers get pounded daily by advertisements for car insurance savings from companies such as Allstate and Progressive. All the companies say the same thing that you can save if you move your policy.

But how can every company claim to save you money? This is how they do it.

All the different companies have a certain “appetite” for the type of customer that earns them a profit. A good example of a preferred risk might be profiled as between 25 and 40, insures multiple vehicles, and has excellent credit. Any new insured who fits that profile will get very good rates and therefore will save a lot of money.

Drivers who fall outside these standards will be quoted a higher premium which usually ends up with business not being written. Company advertisements say “people who switch” not “people who quote” save that much money. That’s the way companies can truthfully advertise the savings. This emphasizes why drivers must get a wide range of price quotes. It’s not possible to predict which insurance coverage company will fit your personal profile best.

Do I just need basic coverages?

When it comes to buying the best auto insurance coverage, there is no best way to insure your cars. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that can help discover whether you may require specific advice.

  • Am I covered when delivering products for my home-based business?
  • If my 2013 Toyota Land Cruiser is totaled, can I afford another vehicle?
  • How many claims can I have before being cancelled?
  • Am I covered if I crash into my own garage door?
  • Can my babysitter drive my car?
  • Should I buy full coverage?
  • Do I need replacement cost coverage?
  • Does insurance cover tools stolen from my truck?
  • Should I rate my 2013 Toyota Land Cruiser as pleasure use or commute?
  • Do I need special endorsements for business use of my vehicle?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Car insurance 101

Understanding the coverages of a insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages found on most insurance policies.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as fire damage, rock chips in glass and vandalism. The maximum payout a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Med pay and PIP coverage pay for expenses for funeral costs, prosthetic devices and pain medications. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Auto liability insurance

Liability insurance protects you from damage or injury you incur to a person or their property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers claims like pain and suffering, emergency aid and medical services. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage

This covers damage to your Land Cruiser from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a building, colliding with a tree and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Shop smart and save

We covered a lot of tips how to shop for 2013 Toyota Land Cruiser insurance online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the best price on car insurance is with the least-expected company. These smaller insurers often have lower prices on specific markets than the large multi-state companies such as Progressive and GEICO.

As you prepare to switch companies, it’s not a good idea to reduce coverage to reduce premium. In many cases, someone sacrificed comprehensive coverage or liability limits only to regret at claim time that they should have had better coverage. Your strategy should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

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