How Much Does 2013 Toyota 4Runner Car Insurance Cost in 2024?

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 8, 2024

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Searching for lower insurance coverage rates for your Toyota 4Runner? Did a good deal turn out to be high-priced insurance coverage? Don’t sweat it because many drivers feel the same as you.

Big companies like Allstate, Progressive and GEICO promote their brand names with fancy advertisements and it can be hard to separate fact from fiction and do the work needed to find the best deal.

You should take the time to compare premium rates yearly since insurance rates tend to go up over time. Just because you found the lowest premium rates on 4Runner coverage last year a different company probably has better prices today. You can find a lot of wrong information about insurance coverage on the internet, but in a few minutes you can learn some great ways to lower your insurance coverage rates.

If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using these tips. Buying car insurance is easy if you know what you’re doing. Although car owners must learn how big insurance companies determine prices.

Low cost auto insurance rate quotes

To find affordable insurance coverage quotes, there are several ways to obtain and compare prices from different insurance companies. By far the easiest way to do a complete rate comparison is to get quotes online. It is quite easy and can be accomplished in a couple minutes as outlined below.

The easiest and least time consuming way to get quotes is to use a rate comparison form. This type of form eliminates the need for separate quote forms for each company. A single, simple form gets you price quotes from all major companies.

A different way to analyze rates requires visiting the website for every company you want to compare and go through the quote process again. For instance, let’s assume you are doing a rate comparison from Allstate, State Farm and American Family. You would be required to spend time going to each site individually and type in your information over and over, and that’s why the first method is more popular.

The old school method to compare rates is calling or driving to insurance agents’ offices. Comparing rates online eliminates this option unless your situation requires the personal advice of an agent trained in personal lines coverage. It is possible with some companies price shop your coverage online but still have the advice of a local agent.

It’s up to you which method you use, but do your best to use identical coverages with each company. If you are comparing different deductibles it will be very difficult to decipher which rate is best. Just a small difference in limits can result in a big premium difference. Keep in mind that getting more free quotes will enable you to find a better price.

Lower rates by qualifying for discounts

Some companies don’t always publicize all available discounts in an easy-to-find place, so the list below gives a summary of both well-publicized and the more hidden credits available to you.

  • Accident Free – Insureds who avoid accidents and claims can earn big discounts in comparison to bad drivers.
  • Cautious Drivers – Drivers without accidents can save as much as half off their rates on 4Runner coverage compared to rates paid by drivers with frequent claims.
  • First Accident Forgiveness – This one is not really a discount per se, but companies like State Farm and Progressive may permit one accident before raising your premiums so long as you are claim-free for a particular time prior to the accident.
  • Defensive Driver Discounts – Taking part in a course that instructs on driving safety could possibly earn you a 5% discount and also improve your driving technique.
  • Theft Prevention Discount – Cars equipped with anti-theft or alarm systems help deter theft and that can save you a little bit as well.
  • Good Students Pay Less – This discount may save as much as 25% on a insurance coverage quote. The discount lasts until age 25.
  • Early Switch Discount – Some insurance companies give discounts for buying a new policy prior to the expiration date on your current policy. It’s a savings of about 10%.

Please keep in mind that most discounts do not apply to the overall cost of the policy. Some only apply to specific coverage prices like collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

To see a list of insurance companies with the best car insurance discounts, enter your zip code here.

Auto insurance is unique, just like you

When choosing the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions can aid in determining if you would benefit from professional advice.

  • What should my uninsured motorist coverage limits be in my state?
  • Is my 2013 Toyota 4Runner covered for flood damage?
  • Why do I only qualify for high-risk insurance?
  • Does my car insurance cover rental cars?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is a blown tire covered by insurance?
  • Am I covered when driving someone else’s vehicle?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and enter your zip code.

Insurance policy coverages for a Toyota 4Runner

Learning about specific coverages of your insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverage types found on most insurance policies.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually these limits are identical to your policy’s liability coverage.

Collision coverage

This covers damage to your 4Runner resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like hitting a mailbox, sustaining damage from a pot hole and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive insurance

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like rock chips in glass, damage from a tornado or hurricane, hitting a bird and hitting a deer. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Med pay and PIP coverage pay for short-term medical expenses for things like X-ray expenses, rehabilitation expenses and pain medications. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage


This coverage can cover damages or injuries you inflict on other people or property that is your fault. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

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. Your policy might show values of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things such as repair bills for other people’s vehicles, repair costs for stationary objects and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

More choices the merrier

There are still a few companies who may not offer online rate quotes and most of the time these regional carriers only sell through independent insurance agents. Lower-priced auto insurance can be purchased both online and from local agencies, so you should be comparing quotes from both to have the best selection.

As you quote insurance coverage, never skimp on coverage in order to save money. There have been many cases where an insured dropped comprehensive coverage or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. The aim is to purchase a proper amount of coverage at the lowest possible cost and still be able to protect your assets.

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