2017 Toyota Land Cruiser Insurance Quotes 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 15, 2024

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Did you make the mistake of buying an underperforming, overpriced insurance coverage policy? It’s quite common and you are not the only one feeling buyer’s remorse. Big companies like Allstate, Liberty Mutual and State Farm continually bombard you with fancy advertisements and it is challenging if not impossible to ignore the propoganda and effectively compare rates to find the best deal.

If you are insured now or are looking for a new policy, you can use this information to cut your premiums and still get good coverage. Buying car insurance is quite easy. Consumers only need to know the best way to compare rates on the web.

Quote insurance online

Lowering your 2017 Toyota Land Cruiser insurance rates is a fairly straight forward process. All you need to do is spend a few minutes comparing rates to discover which company has the cheapest insurance coverage quotes. This is very easy and can be done in a couple of different ways.

If you are pressed for time, the simplest way consumers can make multiple comparisons is an all-inclusive rate comparison. This type of form saves time by eliminating separate quote forms for every insurance company. One simple form will return price quotes direct from many companies.

A more difficult way to analyze rates consists of visiting each individual company website and fill out their own quote form. For example, let’s assume you want rates from Farmers, Allstate and Liberty Mutual. In order to compare rates, you need to take the time to go to each site to enter the same coverage data repeatedly, which is why the first method is more popular.

The final way of comparing rate quotes is making phone calls or going to different agent offices. The ability to quote online can eliminate the need for a local agent unless you want the guidance that only a licensed agent can provide. However, consumers can compare the best prices online and get advice from an agent in your area.

It’s up to you which method you use, but try to keep exactly the same information for each quote you get. If you are comparing different liability limits it’s impossible to make a fair rate comparison.

You may qualify for discounts

Properly insuring your vehicles can get expensive, but there are discounts available that may help make it more affordable. Many discounts should be triggered at the time of quoting, but a few must be asked about before you will receive the discount.

  • Discounts for Cautious Drivers – Safe drivers may receive a discount up to 45% on Land Cruiser coverage than drivers with accident claims.
  • Club Memberships – Joining a civic or occupational organization could trigger savings on your next car insurance statement.
  • Passenger Safety Discount – Cars that have air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
  • Braking Control Discount – Vehicles that have anti-lock braking systems can stop better under adverse conditions so you can save 10 percent or more.
  • Driver’s Ed – Reduce the cost of insurance for teen drivers by having them successfully take a drivers education course in school or through a local driver safety program.
  • Pay Early and Save – If you pay your entire premium ahead of time instead of paying each month you can avoid the installment charge.
  • 55 and Retired – Older drivers can get reduced rates on Land Cruiser coverage.
  • Multiple Cars – Having multiple cars on one policy can get a discount for every vehicle.
  • Bundled Policy Discount – If you have multiple policies with one insurance company you could earn a discount of approximately 10% to 15%.

Discounts lower rates, but many deductions do not apply to the entire cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. So even though you would think all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

To see a list of insurance companies with discount car insurance rates, enter your zip code here.

There’s no such thing as the perfect insurance policy

When it comes to buying the right insurance coverage, there really is not a cookie cutter policy. Everyone’s needs are different so your insurance should reflect that For instance, these questions might point out if your insurance needs would benefit from an agent’s advice.

  • Should I have combined single limit or split liability limits?
  • Are rock chip repairs covered?
  • Does medical payments coverage apply to all occupants?
  • Am I covered when delivering products for my home-based business?
  • Am I covered when driving on a suspended license?
  • Is a new car covered when I drive it off the dealer lot?
  • Is business property covered if stolen from my car?
  • Why do I need rental car insurance?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and enter your zip code. It only takes a few minutes and you can get the answers you need.

How insurance providers determine Toyota Land Cruiser insurance costs

Many different elements are taken into consideration when you quote your car insurance policy. Some are pretty understandable like your driving record, but other factors are not quite as obvious such as your marital status or how safe your car is.

  • Male rates may be higher – Statistics demonstrate women are more cautious behind the wheel. The data does not necessarily mean that women are better drivers. They both are in auto accidents at about the same rate, but men tend to have more serious accidents. They also receive more major tickets like reckless driving and DUI.
  • Theft deterrents save – Driving a car with advanced anti-theft systems can help bring down rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft and help bring rates down.
  • The more you drive the more you pay – The more miles you rack up on your Toyota in a year the more it will cost to insure it. Almost all companies charge to insure your cars partially by how you use the vehicle. Autos left parked in the garage qualify for better rates than those that get driven frequently. It’s a good idea to make sure your vehicle rating correctly shows the correct usage, because it can save money. Having the wrong rating on your Land Cruiser may be costing you.
  • Higher rates for insurance coverage lapses – Driving without insurance coverage in place can get your license suspended and your next policy will cost more because you let your insurance coverage expire. And not only will insurance be more expensive, the inability to provide proof of insurance can result in a steep fine or even jail time.

Insurance coverages and their meanings

Knowing the specifics of insurance helps when choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average insurance policy.

Collision coverages – This coverage pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like sustaining damage from a pot hole, crashing into a ditch, driving through your garage door and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Liability car insurance – This coverage can cover damage that occurs to other’s property or people that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers things like medical services, structural damage, bail bonds, funeral expenses and medical expenses. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Coverage for medical expenses – Coverage for medical payments and/or PIP kick in for short-term medical expenses such as ambulance fees, doctor visits, prosthetic devices and surgery. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your Toyota Land Cruiser.

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 is important protection for you and your family.

Comprehensive insurance – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hitting a deer, damage from getting keyed, theft, falling objects and vandalism. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Save your cold hard cash

A few companies do not offer rate quotes online and usually these small, regional companies work with independent agents. Budget-friendly insurance is available from both online companies and from local agencies, so compare prices from both in order to have the best chance of saving money.

While you’re price shopping online, it’s a bad idea to skimp on coverage in order to save money. In too many instances, someone dropped collision coverage only to discover later they didn’t purchase enough coverage. Your strategy should be to buy a smart amount of coverage at the best cost, but do not skimp to save money.

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