2021 Toyota Land Cruiser Car Insurance Quotes in 2024 – 10 Tips for Best Rates

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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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Want better car insurance rates for your Toyota Land Cruiser? Finding budget-priced car insurance on the internet might seem difficult for consumers that are not comfortable with quoting and comparison shopping on the web. With such a big selection of agents and online companies available, how can consumers even start to compare each option to find better rates?

You should make it a habit to take a look at other company’s rates quite often since insurance rates change regularly. If you had the lowest rate on Land Cruiser insurance six months ago the chances are good that you can find a lower price today. Ignore everything you know about car insurance because you’re going to get a crash course in the fastest and easiest way to lower your annual insurance bill.

Finding affordable coverage is easy if you know what you’re doing. Essentially every vehicle owner who has to buy insurance coverage will more than likely be able to cut their insurance bill. Although car owners can benefit by having an understanding of the way insurance companies sell online because it can help you find the best coverage.

Get cheap insurance quotes with discounts

Some insurers don’t list the entire discount list very well, so the next list breaks down a few of the more well known as well as the least known credits available to lower your premiums when you buy insurance online.

  • Air Bags and Passive Restraints – Vehicles with factory air bags can receive discounts of 20 to 30 percent.
  • Military Discounts – Being on active deployment in the military could trigger a small discount.
  • Defensive Driver – Taking time to complete a class that teaches defensive driver techniques could earn you a small percentage discount and easily pay for the cost of the class.
  • Pay Early and Save – By making one initial payment instead of paying each month you can actually save on your bill.
  • Driver’s Ed – Require your teen driver to enroll and complete driver’s education in school.
  • Paper-free Discount – A few larger companies will provide an incentive for buying a policy and signing up over the internet.
  • Student Discounts – Excelling in school can save 20 to 25%. The discount lasts up until you turn 25.
  • Savings for New Vehicles – Insuring a vehicle that is new can get you a discount because newer vehicles are generally safer.
  • Homeowners Discount – Just being a homeowner can save a few bucks since home ownership demonstrates responsibility.
  • 55 and Retired – Drivers over the age of 55 are able to get better insurance rates on Land Cruiser insurance.

Don’t be surprised that most credits do not apply to the entire policy premium. Most only reduce specific coverage prices like comp or med pay. So when the math indicates you would end up receiving a 100% discount, it doesn’t quite work that way.

Some companies that may have these money-saving discounts include:

  • State Farm
  • Liberty Mutual
  • American Family
  • Progressive
  • Farmers Insurance
  • Auto-Owners Insurance

When comparing rates, check with every prospective company how you can save money. Some discounts listed above might not be offered on policies in your area. To choose insurance companies with discount insurance rates, enter your zip code here.

Tailor your auto insurance coverage to you

When choosing proper insurance coverage, there is no one size fits all plan. Everyone’s needs are different.

For instance, these questions might help in determining if you would benefit from professional advice.

  • When should I not file a claim?
  • Am I covered when delivering products for my home-based business?
  • Are rock chip repairs covered?
  • Do I need PIP (personal injury protection) coverage in my state?
  • How high should my uninsured/underinsured coverage be in my state?
  • What is the difference between comprehensive and collision coverage?
  • Is my dog or cat covered if injured in an accident?
  • I have health insurance so do I need medical payments coverage?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, take a second and enter your zip code.

Insurance advertisements

Popular insurance providers such as Allstate and Progressive seem to constantly run television, radio, and online ads. They all seem to make the point that you’ll save big if you change your insurance policy to them. How can each company claim to save you money? Here is how they do it.

All companies have strict underwriting profiles for the right customer that will most likely be profitable. A good example of a driver they prefer might be described as a married female, has no claims, and insures a new vehicle. Anyone that meets those criteria will get low premium rates and will also save money with a new company.

Consumers who don’t qualify for these standards will get a more expensive rate and this can result in the customer not buying. The trick companies use is to say “people that switch” but not “all drivers who get quotes” save money. That is how companies can truthfully make it sound like they have such great car insurance rates. This emphasizes why you really should get price quotes at each policy renewal. It’s just not possible to know which insurance company will provide the lowest rates.

Insurance coverages and their meanings

Learning about specific coverages of your policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Collision coverage

Collision coverage pays for damage to your Land Cruiser resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as damaging your car on a curb, hitting a parking meter, crashing into a ditch and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses for things like rehabilitation expenses, dental work, funeral costs and X-ray expenses. They are utilized in addition to your health insurance plan or if you do not have health coverage. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage


This provides protection from damage or injury you incur to other people or property by causing an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as repair costs for stationary objects, medical services and legal defense fees. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Toyota Land Cruiser.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive coverage (or Other than Collision)

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like falling objects, a tree branch falling on your vehicle, rock chips in glass and damage from a tornado or hurricane. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Cheaper insurance is a realistic goal

We just covered some good ideas how you can compare 2021 Toyota Land Cruiser insurance rates online. The most important thing to understand is the more rate quotes you have, the higher your chance of finding the cheapest insurance. You may be surprised to find that the lowest priced auto insurance comes from a lesser-known regional company.

More affordable auto insurance is available on the web and from local agencies, so you need to quote insurance with both in order to have the best price selection to choose from. There are still a few companies who may not provide rates over the internet and these small, regional companies only sell coverage through local independent agencies.

As you quote insurance, do not buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped uninsured motorist or liability limits only to find out they didn’t have enough coverage. Your goal is to purchase a proper amount of coverage at the lowest possible cost while not skimping on critical coverages.

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