2005 Toyota Land Cruiser Car Insurance Quotes

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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: May 12, 2022

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Looking for cheaper insurance rates for your Toyota Land Cruiser? I can’t think of a single person who looks forward to buying insurance, especially when the cost is too high. There are many car insurance companies to insure vehicles with, and although it’s nice to have a choice, lots of choices makes it harder to compare rates and cut insurance costs.

Automobile Insurance Quotes

Effectively comparing insurance coverage prices is a ton of work if you don’t understand the best way to get rate quotes. You could spend your day talking to insurance agencies in your area, or you could use online quotes to accomplish the same thing much quicker.

Many of the larger companies participate in a marketplace where insurance shoppers submit their information once, and each participating company then returns a price quote based on that data. This eliminates the need for quotation requests to each individual insurance coverage company. To use this form to compare 2005 Toyota Land Cruiser insurance rates click here to start a free quote.

The single downside to comparing rates this way is you don’t know exactly the insurers to get pricing from. So if you want to select specific insurance companies to request quotes from, we have a listing of companies who write insurance coverage in your area. Click to view list.

It’s up to you which method you use, but double check that you are using identical information for every quote you compare. If the quotes have unequal deductibles or liability limits it’s not possible to decipher which rate is best.

Take advantage of discounts

Car insurance companies don’t always publicize all their discounts very well, so we took the time to find some of the best known and the more hidden discounts you could be receiving. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Fewer Miles Equal More Savings – Driving fewer miles can earn better rates on cars that stay parked.
  • Organization Discounts – Being a member of certain professional organizations may earn a discount on auto insurance for Land Cruiser coverage.
  • Good Students Pay Less – Performing well in school can save 20 to 25%. This discount can apply up to age 25.
  • Life Insurance Discount – Companies who offer life insurance give lower rates if you buy life insurance.
  • Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more for Land Cruiser coverage than their less cautious counterparts.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think you can get free auto insurance, it just doesn’t work that way.

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

How to know if you need help

When buying the best insurance coverage coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that could help you determine if your insurance needs could use an agent’s help.

  • If my pet gets injured in an accident are they covered?
  • When would I need additional glass coverage?
  • What is the rate difference between pleasure use and commuting?
  • Is a blown tire covered by insurance?
  • Does coverage extend to a rental car in a foreign country?
  • Will filing a claim cost me more?
  • Does coverage extend to Mexico or Canada?
  • What is roadside assistance coverage?
  • What are the financial responsibility laws in my state?
  • Am I covered if I wreck a rental car?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Car insurance specifics

Having a good grasp of your car insurance policy helps when choosing the best coverages and proper limits and deductibles. Car insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types offered by car insurance companies.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Liability

This coverage can cover injuries or damage you cause to other people or property by causing an accident. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property.

Liability coverage protects against claims such as bail bonds, emergency aid, court costs and legal defense fees. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like driving through your garage door, scraping a guard rail, crashing into a ditch and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hail damage, fire damage, vandalism and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills like dental work, EMT expenses, rehabilitation expenses and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

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