2011 Toyota Land Cruiser Car Insurance Quotes – 10 Policy Discounts

No one in their right mind looks forward to paying for insurance coverage, in particular when the price is too high.

Companies like GEICO and Progressive continually hit you with fancy advertisements and it is difficult to see past the geckos and flying pigs and do the work needed to find the best deal.

If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. Finding affordable coverage is not rocket science. But consumers can benefit by having an understanding of how companies market on the web and apply this information to your search.

How to Get Car Insurance Comparison Quotes

There are several ways to compare Toyota Land Cruiser car insurance quotes, but there is one way that is more efficient than others. You could spend the better part of a day driving to insurance companies in your area, or you can stay home and use online quotes to get rates in a matter of minutes.

The majority of car insurance companies participate in an industry program where prospective buyers enter their coverage request one time, and each participating company then returns a price quote based on that data. This saves time by eliminating form submissions for each company you want a rate for. To enter your information into the quoting system, click here (opens in new window).

The only drawback to comparing rates this way is that consumers can’t choose which providers you want pricing from. So if you want to select from a list of companies for rate comparison, we have a page of car insurance companies in your area. Click to view list.

It’s up to you which method you use, but be sure to compare apples-to-apples quote information for every quote you compare. If you compare unequal deductibles or liability limits it will be next to impossible to make a fair comparison for your Toyota Land Cruiser. Quoting even small variations in limits can make a big difference in price. Just keep in mind that obtaining a wide range of quotes will improve the odds of getting lower pricing.

Discounts can save BIG

Companies that sell car insurance don’t necessarily list all available discounts in a way that’s easy to find, so we break down both the well known and the more hidden discounts you could be receiving.

  • Life Insurance Discount – Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • Low Mileage – Low mileage vehicles could qualify for a substantially lower rate.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
  • College Student – Children who live away from home and do not have a car may qualify for this discount.
  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts can save 10% or more off your medical payments premium.
  • Federal Government Employee – Employees or retirees of the government could cut as much as 10% off on Land Cruiser insurance with select insurance companies.
  • Good Students Pay Less – This discount can get you a discount of up to 25%. This discount can apply up to age 25.
  • Air Bag Discount – Factory air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Auto/Home Discount – If you insure your home and vehicles with the same company you may save 10% to 20% off each policy.
  • Service Members Pay Less – Being deployed with a military unit could be rewarded with lower premiums.

It’s important to note that most discounts do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, companies wouldn’t make money that way.

Companies who might offer these discounts include:

Double check with every prospective company how you can save money. Discounts may not apply everywhere.

Will just any policy work for me?

When choosing coverage, there really is no cookie cutter policy. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions might help in determining whether you might need an agent’s assistance.

  • Does coverage extend to a rental car in a foreign country?
  • Should I bundle my homeowners policy with my auto?
  • Do I have coverage for damage caused while driving under the influence?
  • Does my insurance cover a custom paint job?
  • Why is insurance for a teen driver so high?
  • What if I total my 2011 Toyota Land Cruiser and owe more than it’s worth?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my dog or cat covered if injured in an accident?
  • Does medical payments coverage apply to all occupants?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Coverages available on your auto insurance policy

Knowing the specifics of your auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages found on most auto insurance policies.

Liability coverage – Liability coverage protects you from injuries or damage you cause to other people or property that is your fault. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as medical expenses, funeral expenses, bail bonds and medical services. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as fire damage, falling objects and theft. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sustaining damage from a pot hole, crashing into a ditch, backing into a parked car, colliding with another moving vehicle and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for bills like prosthetic devices, ambulance fees, pain medications, chiropractic care and funeral costs. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Shop. Compare. Save.

We just presented a lot of techniques to get a better price on 2011 Toyota Land Cruiser insurance. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Drivers may discover the best price on car insurance is with a lesser-known regional company. These companies often have lower prices on specific markets compared to the large companies like Progressive and GEICO.

Cheaper insurance is possible both online and also from your neighborhood agents, and you should be comparing both in order to have the best price selection to choose from. A few companies may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

Additional detailed information is located in the articles below: