Lower Your 1991 Toyota Land Cruiser Insurance Rates

Searching for lower insurance rates for your Toyota Land Cruiser? Are you overwhelmed by the number of insurance choices? You’re not the only one! There are so many options that it can quickly become a lot of work to find the best price.

You should take the time to compare rates periodically because prices change regularly. Just because you had the lowest rates for Land Cruiser insurance a couple years back you may be paying too much now. Forget all the misinformation about insurance because you’re about to learn the only way to buy cheaper insurance.

Toyota Land Cruiser rates are complex

Smart consumers have a good feel for the rating factors that play a part in calculating the price you pay for car insurance. Having a good understanding of what influences your rates allows you to make educated decisions that may reward you with big savings.

Shown below are a few of the “ingredients” companies use to determine rates.

  • An active claims history can cost you – Insurance companies generally give discounts to policyholders who do not file claims often. If you tend to file frequent claims, you can definitely plan on either higher rates or even cancellation. Insurance coverage is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Men pay higher rates – Statistics demonstrate that women are safer drivers than men. Now that doesn’t mean women are better drivers. They both cause accidents in similar percentages, but the males tend to have more serious accidents. They also get more serious tickets like DUI and reckless driving.
  • Policy add-ons can waste money – There are a lot of additional coverages that you can buy on your 1991 Land Cruiser policy. Coverages like rental car reimbursement, towing coverage and term life insurance are examples of these. These coverages may sound good initially, but if they’re wasting money get rid of them and save.
  • Pleasure use saves money – The more you drive every year the more you’ll pay to insure your vehicle. Most companies apply a rate based on their usage. Cars left parked in the garage get more affordable rates than those used for commuting. Make sure your car insurance policy is showing the correct driver usage. Incorrect usage on your Land Cruiser can cost quite a bit.
  • Mature drivers pay less – Older insureds are viewed as being more responsible, tend to cause fewer accidents and are safer drivers. Young drivers have a tendency to be less responsible when behind the wheel therefore car insurance rates are much higher.
  • Where you live can impact rates – Choosing to live in a small town can be a good thing when it comes to car insurance. Drivers in populated areas have much more traffic and longer commute times. Fewer drivers means a lower chance of having an accident as well as less vandalism and auto theft.
  • Your occupation can affect rates – Occupations such as lawyers, architects and dentists are shown to have the highest average rates due to stressful work requirements and long work hours. Other jobs such as scientists, historians and retirees pay the least for Land Cruiser insurance.
  • Don’t let your coverage lapse – Allowing your car insurance policy to lapse is a sure-fire way to increase your car insurance rates. And not only will your rates increase, but not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license.

Discounts are available to cut your rates

Car insurance can cost a lot, but there are discounts available to reduce the price significantly. Certain discounts will be applied when you quote, but a few need to be manually applied before you get the savings.

  • Drive Safe and Save – Safe drivers may save up to 50% more for Land Cruiser insurance than their less cautious counterparts.
  • Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Early Switch Discount – A few companies offer discounts for signing up before your current expiration date. It’s a savings of about 10%.
  • Clubs and Organizations – Belonging to a civic or occupational organization could qualify you for a break on your policy for Land Cruiser insurance.
  • Paperwork-free – A few companies give back up to $50 just for signing your application digitally online.
  • Homeowners Discount – Owning a house may earn you a small savings because maintaining a house requires personal responsibility.
  • Federal Employees – Simply working for the federal government may qualify you for a discount for Land Cruiser insurance with certain companies.
  • Good Student – This discount can save 20 to 25%. The good student discount can last well after school through age 25.
  • Auto/Home Discount – When you have multiple policies with the same company you could get a discount of at least 10% off all policies.

It’s important to note that some of the credits will not apply to your bottom line cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, you’re out of luck. Any qualifying discounts will reduce the amount you have to pay.

To see a list of insurance companies with discount car insurance rates, click here to view.

Auto insurance ads bend the truth

Auto insurance companies such as Allstate and Progressive consistently run ads on TV and radio. They all seem to make an identical promise of big savings if you change to them. How does each company make almost identical claims?

Insurance companies have a preferred profile for the type of driver that is profitable for them. For instance, a desirable insured could be a mature driver, has no driving citations, and drives newer vehicles. A customer getting a price quote who fits that profile will get very good rates and is almost guaranteed to save when switching.

Potential customers who fall outside the requirements will have to pay higher rates which leads to the driver buying from a lower-cost company. The ads state “customers that switch” not “people who quote” save money. This is how insurance companies can advertise the savings.

Because of the profiling, drivers must get as many comparisons as possible. Because you never know which company will give you the biggest savings on Toyota Land Cruiser insurance.

Everyone needs different coverages

When it comes to choosing the best auto insurance coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s needs are different.

For example, these questions can aid in determining if your insurance needs may require specific advice.

  • What is no-fault insurance?
  • Do I need replacement cost coverage on my 1991 Toyota Land Cruiser?
  • Do I have coverage for damage caused while driving under the influence?
  • When should I not file a claim?
  • Can I drive in Mexico and have coverage?
  • Do I pay less for low miles?
  • When can my company non-renew my policy?
  • Does my medical payments coverage pay my health insurance deductible?
  • Why do I need rental car insurance?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form.

Insurance coverage breakdown

Having a good grasp of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like surgery, funeral costs, rehabilitation expenses, chiropractic care and dental work. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability

Liability coverage will cover damage that occurs to people or other property. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like pain and suffering, attorney fees, emergency aid, structural damage and funeral expenses. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Comprehensive coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a broken windshield, damage from flooding and hitting a deer. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

This provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Toyota Land Cruiser.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits do not exceed the liability coverage limits.

Collision coverage

Collision insurance covers damage to your Land Cruiser from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like sustaining damage from a pot hole, driving through your garage door, backing into a parked car, hitting a mailbox and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

One last thing about your coverage

Drivers leave their current company for a number of reasons such as extreme rates for teen drivers, being labeled a high risk driver, poor customer service or unfair underwriting practices. No matter why you want to switch, finding a new company is not as difficult as it may seem.

Affordable 1991 Toyota Land Cruiser insurance can be purchased online and also from your neighborhood agents, so you should compare both in order to have the best price selection to choose from. There are still a few companies who may not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

While you’re price shopping online, you should never skimp on critical coverages to save a buck or two. There are a lot of situations where an accident victim reduced liability limits or collision coverage only to regret that the small savings ended up costing them much more. The proper strategy is to buy a smart amount of coverage at the best price.

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