View 2006 Toyota Land Cruiser Insurance Quotes

Trying to come up with a payment for expensive insurance coverage can consume your savings account and require stricter spending habits. Getting a rate comparison can help to reduce premiums and put more money in your pocket.

Insurance companies such as GEICO, Farmers Insurance and State Farm continually hit you with ad campaigns and it can be hard to ignore the flying pigs and cute green geckos and find the best price available.

Cheap car insurance quotes with discounts

The price of auto insurance can be rather high, but you can get discounts that can dramatically reduce your bill. Larger premium reductions will be automatically applied when you quote, but occassionally some discounts must be manually applied before being credited.

  • Discount for Swiching Early – A few companies offer discounts for switching companies prior to your current policy expiring. It can save you around 10%.
  • Pay Upfront and Save – If you can afford to pay the entire bill rather than spreading payments over time you can actually save on your bill.
  • Multi-car Discount – Having multiple cars or trucks on one policy can reduce the rates for all insured vehicles.
  • New Car Discount – Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new model year vehicles.
  • Low Mileage – Keeping the miles down on your Toyota could qualify for lower premium rates due to less chance of an accident.
  • Passive Restraints and Air Bags – Options like air bags or automatic seat belts may earn rate discounts as much as 30%.
  • Membership in Organizations – Having an affiliation with certain professional organizations is a good way to get lower rates on your next car insurance statement.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Most cut individual premiums such as liability, collision or medical payments. Despite the appearance that you can get free auto insurance, you’re out of luck.

A few popular companies and their possible discounts are included below.

  • State Farm may offer discounts for driver’s education, defensive driving training, multiple policy, Steer Clear safe driver discount, student away at school, passive restraint, and anti-theft.
  • American Family has discounts for TimeAway discount, bundled insurance, good student, multi-vehicle, Steer into Savings, and early bird.
  • AAA offers discounts including good student, anti-theft, education and occupation, AAA membership discount, multi-car, pay-in-full, and multi-policy.
  • GEICO may have discounts that include defensive driver, multi-vehicle, air bags, emergency military deployment, driver training, military active duty, and daytime running lights.
  • Mercury Insurance offers premium reductions for type of vehicle, multi-policy, low natural disaster claims, ease of repair, good driver, and annual mileage.
  • Farmers Insurance policyholders can earn discounts including distant student, good student, early shopping, mature driver, youthful driver, and homeowner.
  • Progressive has savings for multi-policy, good student, continuous coverage, online signing, homeowner, and online quote discount.

When comparing rates, check with all the companies to apply every possible discount. All car insurance discounts might not be offered in your state.

Tailor your auto insurance coverage to you

When buying coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that could help you determine whether your personal situation might need an agent’s assistance.

  • Is my babysitter covered when using my vehicle?
  • Is business property covered if stolen from my car?
  • At what point should I drop full coverage?
  • Are rental cars covered under my policy?
  • What is the difference between comprehensive and collision coverage?
  • Does liability extend to a camper or trailer?
  • Do I need more liability coverage?
  • Does my personal policy cover me when driving out-of-state?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Information about specific coverages

Having a good grasp of your insurance policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages found on the average insurance policy.

Liability insurance

This can cover damage that occurs to other people or property. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which means $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 pays for things such as legal defense fees, medical expenses and court costs. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses like nursing services, EMT expenses, funeral costs and ambulance fees. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from getting keyed, hail damage, hitting a bird and a broken windshield. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Collision coverage protection

This will pay to fix damage to your Land Cruiser resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like hitting a parking meter, colliding with a tree, scraping a guard rail, driving through your garage door and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Shop around and save

We covered a lot of information how to save on 2006 Toyota Land Cruiser insurance. It’s most important to understand that the more companies you get prices for, the higher your chance of finding cheap insurance coverage. Drivers may discover the lowest premium rates are with a lesser-known regional company. These companies may often insure only within specific states and give getter rates than their larger competitors like Progressive or GEICO.

When you buy insurance coverage online, it’s very important that you do not buy poor coverage just to save money. There are a lot of situations where an insured cut full coverage and found out when filing a claim that it was a big mistake. Your focus should be to get the best coverage possible for the lowest price.

Helpful resources