View 1993 Toyota Land Cruiser Car Insurance Quotes

Are you tired of robbing Peter to pay Paul to pay your car insurance bill each month? You are in the same boat as the majority of other car owners.

Multiple car insurance companies compete for your hard-earned dollar, so it’s not easy to compare every provider to get the best rates possible.

Don’t overlook these discounts

Companies don’t always publicize every discount in a way that’s easy to find, so we break down some of the best known and the harder-to-find ways to save on insurance.

  • Theft Prevention System – Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Payment Method – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • Good Students Pay Less – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on the same insurance policy qualifies for this discount.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.

Keep in mind that most discounts do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way.

For a list of companies with the best insurance discounts, click here.

Why your Toyota Land Cruiser insurance rates may be high

An important part of buying insurance is that you know the factors that go into determining car insurance rates. Understanding what impacts premium levels helps enable you to make changes that could result in big savings.

Listed below are a few of the “ingredients” that factor into premiums.

  • Do men or women drive better? – Statistics have proven women are more cautious behind the wheel. Now that doesn’t mean men are worse drivers. They both have accidents at about the same rate, but the male of the species tend to have more serious accidents. Men also tend to receive more costly citations like DUI and reckless driving.
  • Rural vs Urban Areas – Choosing to live in a small town has it’s advantages when talking about car insurance. Less people living in that area means a lower chance of having an accident. Drivers in populated areas have congested traffic and longer commute times. More time commuting translates into higher accident risk.
  • Your car insurance rates can be influenced by your job – Careers like real estate brokers, social workers and stock brokers tend to have the highest rates in part from stressful work requirements and long work days. On the other hand, jobs such as farmers, students and retirees receive lower rates for Land Cruiser insurance.
  • Liability insurance protects assets – Liability coverage will protect you if you are found to be at fault for damages caused by your negligence. It provides legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.
  • Do you know you’re credit rating? – Your credit score is a huge factor in calculating your car insurance rates. If your credit score is lower than you’d like, you could save money insuring your 1993 Toyota Land Cruiser by improving your rating. People with high credit ratings tend to be more responsible than those with poor credit.
  • How’s your driving record? – A bad driving record impacts your car insurance rates tremendously. Even one citation can bump up the cost forty percent or more. Drivers who don’t get tickets have lower premiums than bad drivers. If you have serious violations like DUI or reckless driving may find they need to submit a SR-22 form with their state DMV in order to continue driving.
  • Add-on coverages can add up – There are many additional coverages you can purchase if you aren’t careful. Insurance for vanishing deductibles, better glass coverage and membership fees may be costing you every month. They may seem good when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.
  • No coverage gaps is important – Allowing your coverage to lapse will be a guaranteed way to trigger a rate increase. Not only will you pay more, but not being able to provide proof of insurance can result in a steep fine or even jail time.

Is my situation unique?

When buying the right insurance coverage for your vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions might point out whether or not you would benefit from an agent’s advice.

  • Am I covered if I hit my neighbor’s mailbox?
  • What are the best liability limits?
  • Does my 1993 Toyota Land Cruiser qualify for pleasure use?
  • Is my 1993 Toyota Land Cruiser covered for flood damage?
  • What is no-fault insurance?
  • Can I still get insurance after a DUI?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area.

Insurance specifics

Learning about specific coverages of insurance helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement. These are the usual coverages offered by insurance companies.

Liability coverages

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

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability can pay for things such as legal defense fees, repair bills for other people’s vehicles, emergency aid, bail bonds and loss of income. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Comprehensive auto coverage

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a deer, rock chips in glass and damage from flooding. The maximum amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision protection

This will pay to fix damage to your Land Cruiser from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as backing into a parked car, colliding with a tree and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Toyota Land Cruiser.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as chiropractic care, doctor visits, EMT expenses, ambulance fees and hospital visits. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers you and your occupants in addition to getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Shop around and save

Cost effective 1993 Toyota Land Cruiser insurance is attainable on the web and with local insurance agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who do not offer online price quotes and most of the time these smaller companies sell through independent agents.

You just read a lot of ways to save on insurance. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may even find the best prices are with some of the lesser-known companies. Regional companies may only write in your state and offer lower rates than the large multi-state companies such as Geico and State Farm.

Additional insurance coverage information is available on the following sites: