How Much Does 1997 Toyota 4Runner Car 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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Want better insurance rates for your Toyota 4Runner? Shopping for affordable insurance over the internet can seem to be somewhat difficult for consumers new to shopping for insurance online. With such a large number of companies competing online, how can drivers possibly compare every company to locate the cheapest available price?

This information will teach you how to effectively get price quotes. If you are paying for car insurance now, you will most likely be able to save some money using this information. Although vehicle owners benefit from understanding the way insurance companies market on the web and use this information to your advantage.

Cut your insurance coverage rates with discounts

Insuring your vehicles can cost a lot, buy you may qualify for discounts to help bring down the price. Larger premium reductions will be automatically applied at quote time, but a few need to be asked for prior to receiving the credit.

  • New Vehicle Savings – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
  • Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off for 4Runner coverage with certain companies.
  • Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Resident Student – Youth drivers living away from home attending college and do not have access to a covered vehicle can receive lower rates.
  • Safety Course Discount – Completing a course in driver safety could save 5% or more if you qualify.

Keep in mind that most of the big mark downs will not be given to the entire cost. Most cut specific coverage prices like collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, you’re out of luck. Any qualifying discounts will reduce the amount you have to pay.

For a list of providers with discount insurance coverage rates, click this link.

You are unique and your auto insurance should be too

When it comes to choosing coverage, there really is no single plan that fits everyone. Everyone’s situation is unique.

Here are some questions about coverages that may help highlight if your situation would benefit from an agent’s advice.

  • How do I insure my teen driver?
  • Am I covered when driving a rental car?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered when driving in Canada or Mexico?
  • How much liability coverage do I need in my state?
  • If my pet gets injured in an accident are they covered?
  • Do I need replacement cost coverage on my 1997 Toyota 4Runner?
  • Why am I required to get a high-risk car insurance policy?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

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Auto insurance coverage considerations

Learning about specific coverages of your auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and coverage can change by endorsement.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like surgery, funeral costs, rehabilitation expenses, nursing services and pain medications. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Auto collision coverage

This coverage pays for damage to your 4Runner caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like damaging your car on a curb, scraping a guard rail, rolling your car and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Toyota 4Runner.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive protection

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

Comprehensive insurance covers claims such as falling objects, fire damage, a tree branch falling on your vehicle and hitting a bird. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverage

This provides protection from damage or injury you incur to other people or property. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like medical expenses, medical services, repair bills for other people’s vehicles, legal defense fees and attorney fees. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Final thoughts

When shopping online for auto insurance, it’s very important that you do not reduce needed coverages to save money. There are a lot of situations where an insured dropped liability coverage limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your goal should be to find the BEST coverage for the lowest price while not skimping on critical coverages.

Throughout this article, we presented many ways to get a better price on 1997 Toyota 4Runner insurance. The key thing to remember is the more times you quote, the better your chances of lowering your rates. Consumers may even find the lowest priced auto insurance comes from a small mutual company.

Consumers switch companies for any number of reasons including being labeled a high risk driver, an unsatisfactory settlement offer, lack of trust in their agent or even high prices. It doesn’t matter what your reason, switching companies is not as difficult as it may seem.

For more information, take a look at the following helpful articles:

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