2019 Toyota Land Cruiser Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 15, 2024

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Drivers have many options when trying to find the lowest priced Toyota Land Cruiser insurance. You can either waste hours contacting agents getting price quotes or utilize the internet to get rate quotes. There is a right way and a wrong way to shop for insurance and you need to know the quickest way to price shop coverage for a Toyota and obtain the cheapest rates.

Discounts can really help lower premiums

Some insurance providers do not list all available discounts very well, so we researched both well-publicized in addition to some of the lesser obvious credits that may apply to you.

  • Passenger Safety Discount – Options like air bags or motorized seat belts can qualify for discounts of more than 20%.
  • ABS and Traction Control Discounts – Vehicles with anti-lock braking systems have fewer accidents so companies give up to a 10% discount.
  • Military Deployment Discount – Having an actively deployed family member could qualify you for better insurance rates.
  • Discounts for Federal Employees – Simply working for the federal government can save as much as 8% for Land Cruiser insurance depending on your insurance provider.
  • 55 and Retired – Older drivers may receive lower premium rates for Land Cruiser insurance.
  • Driver’s Ed – Require your teen driver to complete a driver education course if offered at their school.

It’s important to note that some of the credits will not apply to the entire cost. A few only apply to the cost of specific coverages such as comp or med pay. So when the math indicates you could get a free insurance policy, companies wouldn’t make money that way.

To find insurance companies that offer the discounts shown above, enter your zip code here.

Compare car insurance quotes online

All major car insurance companies provide insurance quotes on their websites. Getting quotes is quite simple because you just enter your coverage preferences as requested by the quote form. After the form is submitted, their quoting system collects information on your driving record and credit history and returns a price quote.

This makes comparing rates easy, but having to visit different websites and type in the same information gets old quite quickly. But it’s absolutely necessary to get many rate quotes in order to get the best price possible.

A less time-consuming method to find lower prices uses one form to return rates from a bunch of companies at once. The form is fast, reduces the work, and makes online price comparison a little more enjoyable. Immediately after you send the form, it is rated and you can select any of the returned quotes. If the quotes result in lower rates, you simply finish the application and buy the policy. The entire process can be completed in less than 10 minutes and may result in a nice savings.

In order to fill out one form to compare multiple rates now, simply enter your zip code here and submit the form. To compare your current rates, we recommend you enter the insurance coverages as close as possible to your current policy. This guarantees you will have rate quotes for the exact same coverage.

Components of your Toyota Land Cruiser insurance rates

Consumers need to have an understanding of the factors that come into play when calculating the rates you pay for auto insurance. When you understand what controls the rates you pay, this enables informed choices that could help you find lower premium levels. Many different elements are used when pricing auto insurance. Some of the criteria are obvious such as your driving record, although others are not quite as obvious like where you live or your financial responsibility.

Shown below are some of the factors used by insurance companies to determine your rate level.

  • You might pay more if you are single – Walking down the aisle can get you a discount on auto insurance. Marriage generally demonstrates drivers are more stable financially it has been statistically shown that married drivers get in fewer accidents.
  • Multi-policy discounts can save money – Most insurance companies apply lower prices to insureds who buy several policies from them in the form of a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even with this discount applied, consumers should still compare other insurance prices to make sure you are getting the best deal. There is a good possibility that you can save even more by splitting coverages up.
  • Is insurance cheaper for men or women? – Over the last 30 years, statistics show that females tend to be a little less risky than males. The data does not necessarily mean that males are worse at driving than females. Males and females cause accidents at about the same rate, but the males have costlier accidents. Men also tend to receive more costly citations such as DWI and reckless driving.
  • Liability coverage limits should be high – Liability coverage is the coverage that protects you in the event that you are responsible for damages from an accident. Your policy’s liability insurance provides for a legal defense which can be incredibly expensive. It is affordable coverage compared to comp and collision, so drivers should buy more than the minimum limits required by law.

Will just any policy work for me?

When it comes to buying the right insurance coverage for your vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover whether or not you will benefit from professional help.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered by my spouse’s policy after a separation?
  • Am I better off with higher deductibles on my 2019 Toyota Land Cruiser?
  • Are rental cars covered under my policy?
  • Is business equipment covered while in my vehicle?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete your zip code. It’s fast, free and can help protect your family.

Why you might not save $459 a year

Consumers can’t ignore all the ads that promise big savings by GEICO, State Farm and Progressive. They all seem to advertise the message about saving some big amount after switching your insurance coverage coverage to their company.

That’s great but how can every company save you money? This is the trick they use.

Companies quote their cheapest rates for the right customer that will add to their bottom line. A good example of a desirable risk should be a married female, has no claims, and has a high credit rating. A prospective insured that meets those criteria will get the preferred rates and have a good chance to save a lot if they switch.

Consumers who may not quite match this ideal profile will see more expensive rates and this results in business not being written. If you pay attention, the ads say “customers that switch” not “everyone that quotes” save the amount stated. This is how insurance companies can confidently advertise the way they do. Because every company is different, it is so important to get insurance quotes as often as possible. It is impossible to predict which insurance coverage company will fit you best based on your risk profile.

Car insurance coverages for a 2019 Toyota Land Cruiser

Having a good grasp of your policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Insurance for medical payments

Med pay and PIP coverage provide coverage for bills for chiropractic care, rehabilitation expenses and nursing services. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover 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

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from getting keyed, a tree branch falling on your vehicle and hitting a bird. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 2019 Toyota Land Cruiser.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Coverage for collisions

This covers damage to your Land Cruiser resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like colliding with a tree, crashing into a ditch and rolling your car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Auto liability

This will cover damages or injuries you inflict on other people or property in an accident. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things like repair costs for stationary objects, bail bonds, legal defense fees, structural damage and funeral expenses. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Buy online or local, you save

When buying insurance coverage, do not skimp on coverage in order to save money. There are too many instances where an insured dropped liability coverage limits to discover at claim time that the small savings ended up costing them much more. The proper strategy is to purchase a proper amount of coverage at a price you can afford, but do not sacrifice coverage to save money.

Some companies do not offer online quoting and many times these smaller companies only sell through independent insurance agents. Cheaper insurance can be bought from both online companies and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from.

We just covered quite a bit of information on how to save on 2019 Toyota Land Cruiser insurance. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the best car insurance rates are with some of the lesser-known companies.

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