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Toyota 4Runner Insurance Rates

You have lots of choices when insurance shopping for your Toyota vehicle. You can either buy through a local agent or go online to compare insurance costs of lots of different providers. Comparing auto insurance through online providers can be fast and easy and at the same time you might just save a little.

If you've never shopped for auto insurance online, it's easy to be confused by the hoards of online auto insurance companies and websites vying for your business. Cutting your 4Runner insurance cost is surprisingly easy. Drivers just need to take a couple of minutes to get quotes provided by online insurance companies. This can be done by getting a quick quote here.

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Which factors influence the rate you pay?

Auto insurance rates for your Toyota 4Runner will vary greatly depending on several factors. Taken into consideration are:

  • Higher performance 4Runner vehicles cost more
  • Your accident history
  • Home and auto can earn discounts
  • Pleasure, commuting or business use can affect rates
  • Your birth date
  • Being married may save money
  • Special coverage such as replacement cost
  • Claims drive up premiums
  • No coverage lapses saves money
  • Whether you rent or own your home

A final factor that can impact 4Runner insurance rates is the model year. Models that are new have a higher value in comparison to later models so the cost to replace them will push premiums up. Conversely, newer vehicles may have a trim level with safety features such as lane departure warning system, a collision avoidance system, a rollover prevention system, and an advanced theft deterrent system so those may help offset higher rates.

To get a better idea how much rates will be for your vehicle, select the year of your 4Runner from available model years below.

Liability auto insurance - This coverage can cover damages or injuries you inflict on other's property or people. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision - This coverage covers damage to your Toyota resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision) - Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your Toyota 4Runner comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

UM/UIM Coverage - This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Medical expense insurance - Coverage for medical payments and/or PIP pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be utilized in addition to your health insurance plan or if you do not have health coverage. Personal Injury Protection is not an option in every state and may carry a deductible.

How Much are Toyota 4Runner Insurance Rates?