Cheap 2020 Toyota Land Cruiser Insurance Rates 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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Nobody I know anticipates paying for insurance, especially when they are aware that their premiums are too high. Due to the increasing number of options when it comes to insurance, it can be challenging to choose the right insurance company.

Consumers should take time to check insurance prices on a regular basis since rates are usually higher with each renewal. Just because you had the lowest premium rates for Land Cruiser insurance a couple years back a different company probably has better prices today. You can find a lot of wrong information about insurance online but we’re going to give you some good information on how to lower your insurance rates.

The purpose of this article is to help educate you on how to effectively get price quotes. If you have car insurance now, you will be able to cut costs considerably using this strategy. Vehicle owners only need an understanding of the proper methods to get comparison quotes over the internet.

You can change your insurance premiums

Lots of factors are part of the equation when premium rates are determined. A few of the factors are predictable such as your driving history, although others are less obvious such as your credit history or how safe your car is.

The list below includes some of the major factors utilized by car insurance companies to help set premiums.

  • Qualify for multi-policy discounts – Most insurance companies will award lower prices to customers that purchase more than one policy in the form of a multi-policy discount. Even with this discount applied, drivers will still want to shop around to help guarantee you have the best rates. There is a chance you can save even more by insuring with multiple companies.
  • No policy lapses saves money – Going without insurance can be a sure-fire way to pay more for insurance. In addition to paying higher rates, getting caught without coverage might get you a hefty fine and possibly a revoked license. You may need to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • Fewer miles means better prices – Driving a lot of miles every year the more you’ll pay to insure your vehicle. The majority of insurers apply a rate determined by how the vehicle is used. Cars and trucks that have low annual miles receive lower rates than vehicles that have high annual mileage. Make sure your vehicle rating correctly shows the correct usage for each vehicle. Incorrect rating for your Land Cruiser is just wasting money.
  • Get married and pay less – Being married may earn you lower rates when buying insurance. Having a significant other generally demonstrates drivers are more mature than a single person and insurance companies reward insureds because drivers who are married file infrequent claims.
  • Your gender affects premiums – Over the last 50 years, statistics have shown that females tend to be a little less risky than males. The data does not necessarily mean that females are better at driving than males. Both genders tend to get into auto accidents in similar numbers, but guys tend to have more serious accidents. They also receive more costly citations such as reckless driving.
  • Careless driving means higher premiums – Drivers who don’t get tickets get better rates as compared to careless drivers. Just one chargeable violation can bump up the cost forty percent or more. Drivers who have serious tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
  • Save by driving vehicles with better crash test results – Vehicles with high crash test scores tend to be cheaper to insure. The safest vehicles have better occupant injury protection and fewer serious injuries means your insurance company pays less passed on to you as lower rates. If the Toyota Land Cruiser is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Urban areas may pay more – Being located in a small town has it’s advantages when trying to find low car insurance rates. Less people living in that area translates into fewer accidents in addition to lower liability claims People in densly populated areas have congested traffic and longer commute times. More time commuting means more chances of being involved in an auto accident.

Don’t overlook these insurance discounts

Auto insurance companies don’t list every possible discount in a way that’s easy to find, so the list below details a few of the more common and the more hidden credits available to lower your premiums when you buy car insurance online.

  • Sign Online – Certain companies may give you up to $50 for buying your policy on their website.
  • Student Discount for Driver Training – It’s a good idea to have your young drivers successfully complete driver’s ed class in school.
  • Memberships – Being a member of a civic or occupational organization is a good way to get lower rates when shopping for insurance.
  • Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. Most companies allow this discount up to age 25.
  • Multiple Policy Discount – If you have multiple policies and insure them both with the same insurance company they may give you a discount of approximately 10% to 15%.
  • Distant Student – who are enrolled in a college that is more than 100 miles from home and don’t have a car may be insured at a cheaper rate.
  • Discounts for Federal Employees – Being employed by or retired from a federal job could provide a small rate reduction for Land Cruiser insurance depending on your insurance provider.
  • Military Rewards – Being deployed with a military unit may qualify for rate reductions.

A little disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like you can get free auto insurance, you’re out of luck.

Some of the insurance companies who might offer some of the above discounts include:

  • Mercury Insurance
  • Farmers Insurance
  • Auto-Owners Insurance
  • Liberty Mutual
  • Progressive
  • USAA

When comparing rates, check with all the companies to give you their best rates. Some of the earlier mentioned discounts may not be available in your area. To view providers with the best discounts, enter your zip code here.

Insurance advertisements

Consumers can’t get away from all the ads for insurance savings from the likes of State Farm, GEICO and Progressive. All the ads have a common claim that drivers will save a bundle just by switching your policy.

But how can every company offer you a better deal? This is the trick they use.

Insurance companies quote their cheapest rates for the type of customer that is profitable for them. A good example of a profitable risk profile could be over the age of 35, has no tickets, and insures a new vehicle. A customer getting a price quote who fits that profile will get the preferred car insurance rates and therefore will save when they switch companies.

Potential customers who cannot meet these criteria will probably have to pay a higher premium which translates to business going elsewhere. If you listen closely, the ads state “customers who switch” not “everyone who quotes” save that kind of money. That’s the way insurance companies can lure you into getting a quote.

This illustrates why you absolutely need to get price quotes at each policy renewal. Because you cannot predict which company will have better rates than you’re paying now.

When to get professional advice

When choosing the right insurance coverage, there is no one size fits all plan. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that could help you determine whether or not you could use an agent’s help.

  • Does my car insurance cover rental cars?
  • Does my personal policy cover me when driving out-of-state?
  • Do I have coverage when using my vehicle for my home business?
  • Does my policy cover my teen driver if they drive my company car?
  • How much liability do I need to cover my assets?
  • Am I covered when driving someone else’s vehicle?
  • When should I drop full coverage on my 2020 Toyota Land Cruiser?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered if my car is in a flood?
  • Do I have any recourse if my insurance company denies a claim?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, fill out your zip code. It only takes a few minutes and can help protect your family.

Auto insurance coverage options for a Toyota Land Cruiser

Having a good grasp of your auto insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types available from auto insurance companies.

Liability insurance

Liability insurance can cover damage or injury you incur to other people or property. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as bail bonds, medical expenses, legal defense fees and court costs. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses such as nursing services, pain medications, ambulance fees, dental work and EMT expenses. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover you and your occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverages

This covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as a broken windshield, hail damage, hitting a bird, falling objects and damage from a tornado or hurricane. The highest amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage protection

Collision insurance covers damage to your Land Cruiser caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as colliding with a tree, backing into a parked car, damaging your car on a curb, hitting a parking meter and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

This provides protection when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally these limits are set the same as your liability limits.

Power to the consumer

While you’re price shopping online, make sure you don’t sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice physical damage coverage only to discover later that it was a big error on their part. The goal is to get the best coverage possible at the best possible price while not skimping on critical coverages.

We’ve covered many ideas to shop for 2020 Toyota Land Cruiser insurance online. The key concept to understand is the more providers you compare, the better chance you’ll have of finding low cost car insurance. You may even find the best price on insurance coverage is with a small mutual company. Regional companies may cover specific market segments cheaper compared to the large companies like GEICO and State Farm.

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