Cheaper 2004 Toyota 4Runner Insurance Rates

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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: Nov 15, 2021

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Beginners to comparison shopping online may find shopping for the lowest-priced auto insurance quite challenging.

Discounts can save BIG

Properly insuring your vehicles can get expensive, but there are discounts available to cut the cost considerably. Larger premium reductions will be automatically applied when you get a quote, but lesser-known reductions have to be specially asked for in order for you to get them.

  • Student in College – Any of your kids who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates on 4Runner coverage than their less cautious counterparts.
  • Discount for New Cars – Insuring a new car can cost up to 25% less due to better safety requirements for new cars.
  • Employee of Federal Government – Employees or retirees of the government can save as much as 8% on 4Runner coverage with certain companies.
  • Senior Citizens – Older drivers can possibly qualify for reduced rates on 4Runner coverage.

Keep in mind that some of the credits will not apply to all coverage premiums. Some only apply to individual premiums such as comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, you won’t be that lucky. But all discounts will reduce your overall premium however.

Companies that may offer these benefits include:

  • GEICO
  • USAA
  • Progressive
  • American Family
  • Esurance
  • Farmers Insurance
  • State Farm

Before buying, ask every prospective company what discounts are available to you. Discounts might not apply in your state.

Will just any policy work for me?

When choosing the best auto insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover whether you may require specific advice.

  • Does having multiple vehicles earn me a discount?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Who is covered by my policy?
  • What is roadside assistance coverage?
  • What can I do if my company denied a claim?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Should I drop comprehensive coverage on older vehicles?
  • Is business property covered if stolen from my car?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form.

Free Auto Insurance Comparison

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Beware of misleading insurance ads

Insurance providers like State Farm, GEICO and Progressive continually stream television and radio advertisements. They all make the same claim that you’ll save big after switching your coverage to them. How does each company make almost identical claims?

Insurance companies have a certain “appetite” for the type of customer that earns them a profit. An example of a driver they prefer might be profiled as between 25 and 40, has no driving citations, and drives less than 7,500 miles a year. A driver who fits that profile gets the lowest rates and most likely will pay quite a bit less when switching companies.

Consumers who are not a match for these standards will be quoted a higher premium and ends up with the driver buying from a lower-cost company. The ads say “people who switch” but not “drivers who get quotes” save that much money. That is how insurance companies can make the claims of big savings.

This emphasizes why it is so important to get quotes from several different companies. It’s just too difficult to predict which insurance company will fit your personal profile best.

Specifics of your car insurance policy

Understanding the coverages of a car insurance policy can help you determine the best coverages at the best deductibles and correct limits. Car insurance terms can be confusing and nobody wants to actually read their policy.

UM/UIM Coverage

This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Toyota 4Runner.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important. Normally these coverages are set the same as your liablity limits.

Comprehensive or Other Than Collision

This covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a deer, damage from getting keyed, a broken windshield, vandalism and damage from flooding. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision protection

Collision insurance pays for damage to your 4Runner resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like crashing into a building, backing into a parked car and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Liability car insurance

This coverage provides protection from injuries or damage you cause to other people or property. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as pain and suffering, loss of income, structural damage and bail bonds. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for expenses for things like chiropractic care, nursing services and ambulance fees. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

More quotes. Lower rates.

People leave their current company for a variety of reasons including high rates after DUI convictions, policy cancellation, being labeled a high risk driver or poor customer service. Regardless of your reason for switching companies, finding the right insurance provider is actually quite simple.

We’ve covered a lot of information how to compare 2004 Toyota 4Runner insurance prices online. The most important thing to understand is the more you quote, the higher your chance of finding lower rates. Consumers could even find that the lowest priced insurance comes from an unexpected company.

Cheap insurance is possible on the web and with local insurance agents, so you should be comparing quotes from both to have the best rate selection. Some companies do not offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

Additional information can be found at the links below

Use our FREE quote tool to compare rates now!

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