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Toyota Land Cruiser Insurance Quotes

Comparing auto insurance through online companies saves time, is easy to do and there is a good chance you can save money. The key to finding lower rates is to take the time to get rates from all companies so you can compare every company's rates.

Using the web to shop for auto insurance direct can be a challenge if you are a beginner to online quotes. But don't be discouraged because it's actually quite easy. Getting lower Land Cruiser insurance cost is not a difficult process. The only thing you need to do is invest a little time getting comparison quotes online from several insurance companies. This can be done by visiting this page.

Car insurance premiums on a Toyota Land Cruiser can vary widely and are calculated by many factors. Some of these factors include:

  • Tickets increase premiums
  • Credit rating
  • Your location impacts rates
  • The number of annual miles
  • Men typically pay more than women
  • Higher deductibles save money
  • Safety rating of your Land Cruiser
  • Your claim history
  • No coverage lapses saves money
  • Whether you own your home

An additional factor that can impact Land Cruiser insurance quotes is the year of the vehicle. A newer vehicle have a higher value than older models so the costs to repair can inflate annual premiums. Conversely, more recent Toyota vehicles may have safety features such as adaptive cruise control, autonomous braking, and lane departure warning system which can provide discounts that lower premiums.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle below.

Coverage for liability

This will cover damage that occurs to people or other property. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so you should buy higher limits if possible.

Coverage for collisions

This coverage will pay to fix damage to your Toyota resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage for your Land Cruiser can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don't have enough coverage. Because many people only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as nursing services, prosthetic devices, and dental work. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. PIP coverage is only offered in select states but can be used in place of medical payments coverage.

How Much are Toyota Land Cruiser Insurance Rates?