View 1995 Toyota Land Cruiser Insurance Rates

Have you had enough of trying to scrape together enough money to pay your car insurance bill each month? Your situation is no different than most other car owners.

Big-name insurance companies like Allstate, Progressive and GEICO continually hit you with TV and radio ads and it is difficult to see past the geckos and flying pigs and find the best price available.

Lesser-known factors impacting Toyota Land Cruiser insurance rates

An important part of buying insurance is that you know the different types of things that go into determining your insurance coverage rates. Knowing what impacts premium levels allows you to make educated decisions that will entitle you to lower insurance coverage prices.

  • Bundling policies can get discounts – The majority of companies will give a discount to insureds who buy several policies from them in the form of a multi-policy discount. Even if you’re getting this discount it’s still a good idea to compare rates to make sure you are getting the best deal. Consumers may find better rates by insuring with multiple companies.
  • Higher deductibles cost less – Physical damage deductibles define the amount you are required to spend before a claim is paid by your company. Physical damage insurance, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some instances where coverage would apply are running into the backend of another car, damage caused by hail, and windstorm damage. The more you are required to pay out-of-pocket, the less your company will charge you for insurance on Land Cruiser coverage.
  • Your spouse saves you money – Being married helps lower the price on insurance coverage. It is viewed as being more responsible it has been statistically shown that drivers who are married are more cautious.
  • Liability insurance protects assets – Liability coverage is the coverage that protects you in the event that a jury decides you are liable for personal injury or accident damage. It provides for a legal defense up to the limits shown on your policy. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.

Compare Insurance Today

Most major insurance companies like State Farm and Allstate give insurance quotes directly from their websites. This process is fairly simple as you simply type in the coverage amounts you desire into the quote form. Upon sending the form, their system collects your driving record and credit report and quotes a price determined by many factors. Online quotes streamlines rate comparisons, but the work required to visit multiple sites and fill out multiple forms is monotonous and tiresome. But it is imperative to perform this step if you are searching for a lower rate.

The easy way to compare rates

A less time-consuming method to find lower prices requires only one form that gets prices from a bunch of companies at once. The form is fast, reduces the work, and makes online shopping a lot less work. As soon as the form is sent, your coverage is rated with multiple companies and you can pick any of the returned quotes.

If you find a better price you simply finish the application and purchase coverage. The entire process takes 15 minutes at the most and you will know how your current rates stack up.

To quickly get comparison pricing now, click here to open in new window and enter your information. If you currently have coverage, we recommend you duplicate your coverages exactly as they are listed on your policy. This guarantees you will have comparison quotes for exact coverage.

Discounts can save BIG

Car insurance can cost a lot, but there are discounts available that many people don’t even know exist. A few discounts will automatically apply at the time you complete a quote, but lesser-known reductions have to be manually applied prior to receiving the credit.

  • Save over 55 – Mature drivers may qualify for a discount up to 10% on Land Cruiser coverage.
  • Drivers Education – Require your teen driver to successfully complete driver’s ed class in school.
  • Club Memberships – Affiliation with a civic or occupational organization could qualify you for a break on your policy on Land Cruiser coverage.
  • Discount for New Cars – Insuring a new car can cost up to 25% less since new cars are generally safer.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
  • Life Insurance – Larger companies have lower rates if you buy life insurance.
  • Safety Course Discount – Completing a driver safety course could possibly earn you a 5% discount depending on where you live.
  • Multi-policy Discount – If you insure your home and vehicles with one insurance company you will save approximately 10% to 15%.
  • Claim Free – Drivers with accident-free driving histories can earn big discounts compared to bad drivers.

A little note about advertised discounts, most discounts do not apply the the whole policy. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, it just doesn’t work that way. Any amount of discount will help reduce the cost of coverage.

A partial list of companies who might offer some of the above discounts are:

Double check with each insurance company which discounts you may be entitled to. Some discounts might not be offered in your state.

Will just any policy work for me?

When it comes to choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if your insurance needs could use an agent’s help.

  • Am I covered if I wreck a rental car?
  • What exactly is covered by my policy?
  • When should my teen driver be added to my policy?
  • Am I covered if I drive in a foreign country?
  • How much liability coverage do I need in my state?
  • Is my camper covered by my car insurance policy?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area.

The coverage is in the details

Knowing the specifics of your policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverages offered by car insurance companies.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like theft, fire damage, a tree branch falling on your vehicle and damage from flooding. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for collisions

Collision coverage will pay to fix damage to your Land Cruiser resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as sustaining damage from a pot hole, sideswiping another vehicle, rolling your car, crashing into a building and damaging your car on a curb. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

UM/UIM Coverage

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Toyota Land Cruiser.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these limits are similar to your liability insurance amounts.

Liability car insurance

This can cover damages or injuries you inflict on a person or their property in an accident. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

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 liability limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as loss of income, structural damage, medical services and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Medical costs insurance

Med pay and PIP coverage reimburse you for short-term medical expenses for nursing services, X-ray expenses, rehabilitation expenses, prosthetic devices and EMT expenses. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

In Summary

Lower-priced 1995 Toyota Land Cruiser insurance is available from both online companies in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from. A few companies do not provide online price quotes and these small insurance companies work with independent agents.

When buying insurance coverage, you should never reduce needed coverages to save money. There are too many instances where an accident victim reduced comprehensive coverage or liability limits only to discover later that the savings was not a smart move. The proper strategy is to find the BEST coverage at the best price while still protecting your assets.

Additional auto insurance information is located at the links below