2003 Toyota Land Cruiser Insurance Quotes – 8 Ideas for Best Rates

Have you fallen victim to an overpriced insurance coverage policy? Believe me when I say there are a lot of people just like you who feel imprisoned by their insurance coverage policy.

Many auto insurance companies vie for your hard-earned dollar, and it can be difficult to compare rates to find the absolute best rate

How to Get Auto Insurance Comparison Quotes

Comparing auto insurance rates can be challenging if you don’t understand the most efficient way to do it. You could spend your day discussing policy coverages with local insurance agents in your area, or you could use online quoting to achieve your goal.

Most major companies belong to an insurance system that enables customers to only type in their quote data once, and each company can provide price quotes based on that information. This saves time by eliminating quote requests to each company.

To compare 2003 Toyota Land Cruiser rates using this form now click here to open in new window.

The one downside to using this type of system is buyers cannot specifically choose which carriers to receive prices from. If you would rather choose specific providers to receive pricing from, we have a page of low cost auto insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just ensure you’re using exactly the same coverage information with every price quote. If you have different limits and deductibles on each one it’s impossible to make a fair comparison for your Toyota Land Cruiser. Having just a slight variation in coverage limits could mean much higher rates. And when quoting auto insurance, remember that getting more free quotes will enable you to find the best rates.

More discounts equal less premium

Companies offering auto insurance don’t always list all available discounts very clearly, so we researched both well-publicized and the harder-to-find insurance savings.

  • One Accident Forgiven – A few companies permit an accident without raising rates if your claims history is clear for a particular time prior to the accident.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • Auto/Home Discount – When you have multiple policies with one insurance company you will save approximately 10% to 15%.
  • Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
  • Organization Discounts – Belonging to a professional or civic organization may earn a discount on your policy on Land Cruiser coverage.
  • Military Rewards – Having a family member in the military could mean lower rates.
  • No Accidents – Drivers with accident-free driving histories pay less when compared to drivers who are more careless.
  • New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.

Keep in mind that most discount credits are not given to the entire policy premium. Most only apply to the price of certain insurance coverages like comprehensive or collision. So when it seems like all the discounts add up to a free policy, companies don’t profit that way.

To see a list of companies offering insurance discounts, click here to view.

It’s not one size fits all

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions may help highlight if your insurance needs could use an agent’s help.

  • Is extra glass coverage worth it?
  • What are the financial responsibility laws in my state?
  • When can my company non-renew my policy?
  • Am I covered if I hit my neighbor’s mailbox?
  • Should I rate my 2003 Toyota Land Cruiser as pleasure use or commute?
  • If my 2003 Toyota Land Cruiser is totaled, can I afford another vehicle?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I need added coverage for expensive stereo equipment?
  • Do I have coverage when pulling a U-Haul trailer?
  • How do I file an SR-22 for a DUI in my state?

If you don’t know the answers to these questions, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area.

Coverages available on your policy

Learning about specific coverages of your insurance policy can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average insurance policy.

Auto liability

This coverage can cover damage that occurs to a person or their property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values 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 $50,000 of coverage for damaged propery.

Liability insurance covers things like loss of income, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from a tornado or hurricane, a broken windshield and hitting a bird. The highest amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2003 Toyota Land Cruiser.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Collision insurance

Collision insurance pays for damage to your Land Cruiser from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with a tree, driving through your garage door, scraping a guard rail, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like surgery, nursing services and doctor visits. They are used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Better coverage you can count on

In this article, we covered a lot of tips how to compare 2003 Toyota Land Cruiser insurance prices online. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers could even find that the most savings is with a small mutual company. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as Allstate, Geico and Progressive.

When shopping online for insurance coverage, make sure you don’t buy less coverage just to save a little money. There have been many situations where drivers have reduced liability coverage limits and discovered at claim time they didn’t have enough coverage. Your strategy should be to get the best coverage possible at the best price while not skimping on critical coverages.

Low-cost insurance is attainable both online in addition to many insurance agents, and you need to price shop both to have the best rate selection. Some insurance coverage companies do not provide online price quotes and most of the time these smaller companies sell through independent agents.

More learning opportunities