2014 Toyota 4Runner Car Insurance Rates – 7 Tips for Cheapest Quotes

Having to pay for overpriced Toyota 4Runner insurance can overdraw your checking account and put the squeeze on your family’s finances. Shopping your coverage around is a great way to lower your monthly bill.

Lots of auto insurance companies contend for your insurance dollar, and it can be difficult to compare rates to find the lowest rate possible.

It is always a good idea to get comparison quotes periodically because rates go up and down regularly. Just because you found the best price on 4Runner coverage a couple years back other companies may now be cheaper. Forget all the misinformation about insurance because we’re going to demonstrate how to use the internet to properly buy coverages while reducing your premium.

Comprehensive Car Insurance Comparison Quotes

There are a variety of methods to compare 2014 Toyota 4Runner car insurance prices and some are more efficient than others. You could waste a few hours discussing policy coverages with local insurance agents in your area, or you can stay home and use the web for quick rates.

Most of the best insurance companies take part in a program that enables customers to enter their policy data once, and every company then returns a price quote based on that data. This prevents consumers from doing quote requests to each individual car insurance company. To use this form to compare 2014 Toyota 4Runner insurance rates click here to open in new window.

The one downside to doing it this way is that you can’t choose which insurance companies to get quotes from. So if you prefer to pick specific providers to compare prices, we have a listing of companies who write car insurance in your area. Click here for list of insurance companies.

Whichever method you choose, make absolute certain that you use the exact same coverage information with every price quote. If you have different values for each quote you will not be able to make an equal comparison. Just a small difference in coverage limits can mean a large discrepancy in price. And when comparison shopping, quoting more helps you find a better price.

Are you getting all your discounts?

Insuring your fleet can be pricey, but you may find discounts to cut the cost considerably. Some trigger automatically when you complete an application, but lesser-known reductions have to be asked about prior to getting the savings.

  • Defensive Driver – Successfully completing a defensive driving course could save 5% or more if your company offers it.
  • Discount for Life Insurance – Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • Paperwork-free – Certain companies give back up to $50 simply for signing over the internet.
  • Club Memberships – Participating in a civic or occupational organization may earn a discount on auto insurance on 4Runner coverage.
  • Multi-policy Discount – When you have multiple policies with the same company you could get a discount of approximately 10% to 15%.
  • Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • College Student – Kids in college who live away from home without a vehicle on campus may qualify for this discount.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Most cut specific coverage prices like liability and collision coverage. So when the math indicates it’s possible to get free car insurance, it doesn’t quite work that way. Any amount of discount will reduce the amount you have to pay.

To see a list of providers with discount auto insurance rates, click this link.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there is no cookie cutter policy. Each situation is unique so your insurance needs to address that. For instance, these questions can aid in determining whether you would benefit from professional advice.

  • How high should my uninsured/underinsured coverage be in my state?
  • Do I need more liability coverage?
  • What if I owe more than I can insure my car for?
  • Can I still get insurance after a DUI?
  • How much underlying liability do I need for an umbrella policy?
  • How much liability insurance is required?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I really need UM/UIM coverage?
  • Why do I need rental car insurance?

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

Beware of misleading car insurance ads

Car insurance companies such as Progressive, Allstate and GEICO consistently run ads in print and on television. They all seem to say the same thing about savings if you change to their company. How can each company say the same thing? It’s all in the numbers.

Insurance companies are able to cherry pick for the type of customer that is profitable for them. A good example of a desirable insured could possibly be over the age of 40, insures multiple vehicles, and has great credit. A customer who fits that profile will qualify for the lowest rates and as a result will probably cut their rates substantially.

Consumers who don’t meet these standards will be charged higher rates and this can result in the driver buying from a lower-cost company. The ads state “people who switch” not “everybody who quotes” save that kind of money. That is how companies can state the savings.

That is why it is so important to quote coverage with many companies. It is impossible to predict the company that will fit your personal profile best.

Insurance coverages explained

Understanding the coverages of your insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages available from insurance companies.

Liability coverage

Liability coverage can cover injuries or damage you cause to other’s property or people. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as court costs, structural damage, medical expenses, repair costs for stationary objects and attorney fees. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Coverage for medical payments

Med pay and PIP coverage pay for bills for prosthetic devices, surgery and chiropractic care. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Uninsured and underinsured coverage

This coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Toyota 4Runner.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Normally these limits do not exceed the liability coverage limits.

Collision coverage

Collision coverage will pay to fix damage to your 4Runner from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sustaining damage from a pot hole, driving through your garage door, crashing into a ditch, colliding with a tree and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive coverages

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hail damage, a broken windshield, damage from a tornado or hurricane and rock chips in glass. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Be Smart and Buy Smart

As you go through the steps to switch your coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. In many cases, someone dropped liability coverage limits only to discover later that it was a big mistake. Your aim should be to buy the best coverage you can find at the best price while not skimping on critical coverages.

You just read a lot of ways to shop for 2014 Toyota 4Runner insurance online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may even discover the lowest premiums are with a lesser-known regional company. Regional companies may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm and Allstate.

Additional detailed information is available by following these links: