How Much Does 1996 Toyota 4Runner Insurance Cost?

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 2, 2020

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Searching for the cheapest insurance for a Toyota 4Runner can normally be a lot of work, but you can learn these tips to find lower rates. There are more efficient ways to find insurance online so we’re going to tell you the absolute fastest way to price shop coverage for a Toyota and obtain the best price possible from both online companies and local agents.

If you have insurance now or are just looking to switch companies, you can use these techniques to shop for the lowest rates while maintaining coverages. Shopping for the cheapest protection is simple if you know the tricks. Vehicle owners just need to learn the best way to compare rates online.

Car Insurance Prices Online

Reducing your 1996 Toyota 4Runner insurance rates is not rocket science. The only requirement is to invest a little time to compare rate quotes online with multiple companies. This is very easy and can be done using a couple different methods.

  • The recommended way consumers can make multiple comparisons is an all-inclusive rate comparison click here to open form in new window. This type of form saves time by eliminating repetitive form submissions for each company. Completing one form will get you rate comparisons from multiple low-cost companies. This is perfect if you don’t have a lot of time.
  • Another way to analyze rates requires you to visit each company’s website and complete a new quote form. For sake of this example, we’ll assume you want comparison quotes from Nationwide, 21st Century and GEICO. To get rate quotes you would need to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

  • The least recommended way to compare rates is driving to local insurance agencies. Buying insurance online has reduced the need for local agents unless you require the professional advice of a local agent. You can, however, get the lowest quotes online but still have the advice of a local agent and we’ll talk about that later.

Whichever way you use, double check that you are using the exact same coverage limits with every price quote. If you compare differing limits it’s not possible to determine which rate is truly the best.

Discounts can save BIG

Companies that sell car insurance do not list every available discount in an easy-to-find place, so we break down both well-publicized and the more hidden auto insurance savings. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Multi-car Discount – Buying insurance for more than one vehicle on one policy qualifies for this discount.
  • Auto/Life Discount – Select insurance companies reward you with better rates if you take out life insurance.
  • Discount for Swiching Early – Select companies give a discount for buying a policy before your current expiration date. The savings is around 10%.
  • Paperless Signup – Certain companies will give a small break simply for signing online.
  • Good Student Discount – A discount for being a good student can save 20 to 25%. This discount can apply until age 25.
  • Claim Free – Drivers with accident-free driving histories pay much less when compared to drivers who are more careless.
  • Low Mileage Discounts – Fewer annual miles on your Toyota can earn better rates on cars that stay parked.
  • Military Rewards – Having a family member in the military could be rewarded with lower premiums.

Drivers should understand that some of the credits will not apply to all coverage premiums. A few only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like it’s possible to get free car insurance, it just doesn’t work that way.

For a list of insurance companies with discount auto insurance rates, click this link.

Toyota 4Runner rates influenced by many factors

It’s important that you understand the factors that go into determining the price you pay for insurance. When you know what positively or negatively controls the rates you pay enables informed choices that will entitle you to big savings.

  • More claims means more premium – If you frequently file small claims, you can pretty much guarantee either higher rates or even cancellation. Car insurance companies provide discounts to policyholders who do not rely on their insurance for small claims. Car insurance is intended for the large, substantial claims.
  • Lower miles equals lower premium – The more you drive each year the higher your rates will be. Most companies charge to insure your cars based upon how you use the vehicle. Cars and trucks that are left in the garage receive lower rates than vehicles that are driven to work every day. If your policy improperly rates your 4Runner can cost quite a bit. Verify your insurance policy is showing the correct driver usage, because improper ratings can cost you money.
  • Equipment add-ons that lower insurance rates – Owning a car with anti-theft technology or alarm system can save you a little every year. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your vehicle from being stolen.
  • Increase deductibles and save – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Toyota. Examples of covered claims could be a windshield shattered by a rock, damage caused by hail, and burglary. The deductibles are how much you are required to spend if you file a covered claim. The more expense you’re willing to pay, the bigger discount you will receive for 4Runner coverage.
  • Safer cars are cheaper to insure – Vehicles with good safety scores tend to have better insurance rates. Safe vehicles protect occupants better and lower injury rates means lower claim amounts passed on to you as lower rates. If your Toyota 4Runner scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Your location is important – Choosing to live in a small town can save you money when insuring your vehicles. Drivers in populated areas have to deal with traffic congestion and much longer commute distances. Fewer drivers means reduced accidents.
  • With age comes lower rates – Mature drivers tend to be more responsible, tend to cause fewer accidents and are safer drivers. Teen drivers are statistically proven to be more careless in a vehicle and because of this, their insurance rates are much higher.

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Will just any policy work for me?

When buying proper insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique.

Here are some questions about coverages that can help discover if your insurance needs might need an agent’s assistance.

  • Is my teenager covered with friends in the car?
  • Should I drop comprehensive coverage on older vehicles?
  • Is rental equipment covered for theft or damage?
  • How can I get high-risk coverage after a DUI?
  • Is pleasure use cheaper than using my 1996 Toyota 4Runner to commute?
  • Am I covered when using my vehicle for business?
  • Should I have combined single limit or split liability limits?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

How can Progressive, Allstate and GEICO save drivers who switch?

Consumers can’t get away from ads for the lowest price auto insurance from companies such as Progressive, Allstate and GEICO. They all say the same thing about savings after switching your policy.

How do they all claim to save you money? It’s all in the numbers.

Different companies have a preferred profile for the driver that earns them a profit. An example of a preferred risk might be profiled as over the age of 50, has no prior claims, and has a short commute. A driver that hits that “sweet spot” receives the best rates and most likely will save when they switch companies.

Potential customers who don’t meet this ideal profile will be quoted a more expensive rate and this can result in the driver buying from a lower-cost company. The ads say “customers who switch” not “everybody who quotes” save that much. This is how companies can advertise the way they do. This emphasizes why you absolutely need to get quotes from several different companies. It’s impossible to know which insurance companies will have the lowest Toyota 4Runner insurance rates.

Auto insurance policy specifics

Understanding the coverages of auto insurance can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Toyota 4Runner.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for short-term medical expenses like hospital visits, EMT expenses, surgery and dental work. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as 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

Comprehensive insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, falling objects, a tree branch falling on your vehicle, a broken windshield and theft. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability car insurance

This protects you from injuries or damage you cause to a person or their property by causing an accident. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as legal defense fees, structural damage, repair costs for stationary objects, medical services and loss of income. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Collision insurance

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with a tree, sideswiping another vehicle, crashing into a building, driving through your garage door and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

The bottom line

When buying insurance coverage, never sacrifice coverage to reduce premiums. There are a lot of situations where an accident victim reduced physical damage coverage only to discover later they didn’t purchase enough coverage. Your goal should be to purchase a proper amount of coverage at a price you can afford.

Throughout this article, we presented a lot of information how to get a better price on 1996 Toyota 4Runner insurance. It’s most important to understand that the more you quote, the better your chances of lowering your rates. You may even find the lowest premiums are with a lesser-known regional company.

Insureds leave their current company for any number of reasons including delays in paying claims, poor customer service, an unsatisfactory settlement offer and lack of trust in their agent. It doesn’t matter what your reason, finding a new auto insurance company can be easy and end up saving you some money.

For more information, feel free to browse the articles below:

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