How to Save on Philadelphia Toyota Land Cruiser Insurance

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Insurance for Toyota Land CruiserAre you tired of trying to find more affordable Toyota Land Cruiser insurance in Philadelphia? Scraping up a payment for high-priced Toyota Land Cruiser insurance in Philadelphia can dry up your family's budget and put a big crunch on your finances. Doing a price comparison can lower your rates and help to make sure you're not throwing money away.

Anyone knows that auto insurance companies don't want you to compare rates. Drivers who rate shop once a year are highly likely to buy a different policy because there is a significant possibility of finding coverage at a more affordable price. A study showed that people who regularly compared rates saved as much as $850 each year compared to those who never shopped around for cheaper prices.

If finding the lowest price on car insurance in Philadelphia is your ultimate goal, understanding how to get price quotes and compare coverage rates can make it easier to shop your coverage around.

Many car insurance companies vie for your insurance dollar, so it's not easy to compare every provider to get the lowest rate on Toyota Land Cruiser insurance in Philadelphia.

The most recommended method to get rate comparisons for Toyota Land Cruiser insurance in Philadelphia utilizes the fact most of the bigger providers actually pay money for the chance to give you rate quotes. To get started, all you need to do is provide the companies a bit of rating information including whether the vehicles are used for commuting, if a SR-22 is required, deductibles desired, and what you do for a living. Your rating data is instantly sent to many highly-rated insurers and they provide comparison quotes instantly to find the best rate.

To compare rates for your Toyota Land Cruiser now, click here and enter your coverage details.

The auto insurance companies shown below can provide price comparisons in Philadelphia, PA. If multiple providers are shown, we suggest you compare several of them to get the most affordable price.

Don't overlook these Toyota Land Cruiser insurance discounts

Insuring your fleet can be pricey, but there could be significant discounts that can dramatically reduce your bill. Certain discounts will be applied at the time of quoting, but some may not be applied and must be specifically requested before you get the savings.Discount car insurance

  • Good Student - Getting good grades could provide a savings of up to 20% or more. The discount lasts up until you turn 25.
  • Life Insurance Discount - If the company offers life insurance, you could get a small discount if you purchase a life policy as well.
  • College Student Discount - College-age children who live away from home to go to college and do not have access to a covered vehicle can receive lower rates.
  • Data Collection Discounts - Policyholders that allow their insurance company to analyze driving habits by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive might see lower rates as long as the data is positive.
  • Low Mileage Discounts - Driving less could earn slightly better prices than normal.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes are much safer to drive and qualify for as much as a 10% discount.

Keep in mind that most discount credits are not given to the whole policy. Most cut specific coverage prices like liability and collision coverage. If you do the math and it seems like you would end up receiving a 100% discount, it doesn't quite work that way.

The diagram below illustrates the comparison of Toyota Land Cruiser auto insurance costs with and without some available policy discounts. The rates are based on a female driver, no violations or accidents, Pennsylvania state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, safe-driver, claim-free, homeowner, and multi-policy discounts applied.

A few popular companies and a selection of discounts include:

  • State Farm offers discounts for anti-theft, defensive driving training, safe vehicle, student away at school, accident-free, Steer Clear safe driver discount, and multiple policy.
  • American Family policyholders can earn discounts including Steer into Savings, defensive driver, good student, early bird, TimeAway discount, bundled insurance, and mySafetyValet.
  • GEICO may have discounts that include military active duty, membership and employees, seat belt use, emergency military deployment, air bags, and anti-theft.
  • 21st Century discounts include driver training, teen driver, good student, homeowners, and theft prevention.
  • Progressive may include discounts for homeowner, multi-vehicle, continuous coverage, good student, online signing, online quote discount, and multi-policy.

When getting a coverage quote, ask each company or agent to apply every possible discount. Discounts may not apply to policyholders in Philadelphia. If you would like to view insurance companies offering car insurance discounts in Pennsylvania, click here.

Facts and figures for Toyota Land Cruiser insurance

The premium table below covers different insurance policy prices for Toyota Land Cruiser models. Having a better idea how insurance premiums are formulated can assist in making decisions when shopping your coverage around.

Toyota Land Cruiser Insurance Rates in Philadelphia, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Land Cruiser $286 $488 $340 $20 $102 $1,236 $103
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Information does not factor in vehicle location which can increase or decrease insurance rates substantially.

Should you raise deductibles?

When buying auto insurance, a common question is how high or low should comp and collision deductibles be. The rates shown below may help to conceptualize the cost difference when you choose different coverage deductibles. The first rate table uses a $100 deductible for comprehensive and collision coverage and the second price chart uses a $500 deductible.

Toyota Land Cruiser insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Land Cruiser $430 $786 $330 $20 $98 $1,689 $141
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Toyota Land Cruiser insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Land Cruiser $314 $530 $330 $20 $98 $1,292 $108
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Estimates do not factor in vehicle garaging location which can revise prices greatly.

Using the data above, we can ascertain that using a $100 deductible could cost the average driver approximately $33 more each month or $396 a year averaged for all Land Cruiser models than choosing the higher $500 deductible. Since you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to average more than 12 months between claims, you would probably save some money by selecting a higher deductible.

The chart below illustrates how your choice of deductibles and can impact Toyota Land Cruiser insurance prices for each age group. The premiums are based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.

Impact of careless driving on auto insurance rates

The example below demonstrates how speeding tickets and at-fault collisions can drive up Toyota Land Cruiser insurance costs for different age categories. The data is based on a married female driver, comp and collision included, $250 deductibles, and no discounts are applied.

Should you buy full coverage?

The example below illustrates the difference between Toyota Land Cruiser yearly insurance costs with full physical damage coverage compared to only buying liability only. The rate quotes are based on no claims, a clean driving record, $250 deductibles, drivers are single, and no discounts are taken into consideration.

Are you wasting money paying for full coverage?

There is no set rule to eliminate comp and collision coverage, but there is a general school of thought. If the yearly cost of full coverage is 10% or more of the vehicle's replacement cost less your deductible, then it might be time to consider dropping full coverage.

For example, let's pretend your Toyota Land Cruiser claim settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $8,000 after paying the physical damage deductible. If premiums are more than $800 a year to have full coverage, the it may be a good time to stop paying for full coverage.

There are some circumstances where buying only liability insurance is not recommended. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not drop full coverage.

Exclusive or independent insurance agencies

A small number of people just want to talk to an insurance agent and often times that is recommended One of the best bonuses of comparing insurance prices online is you can get the best rates and still have an agent to talk to. Putting coverage with local agents is especially important in Philadelphia.

Insurance agents in PhiladelphiaBy using this simple form, your insurance data gets sent to insurance agents in Philadelphia who will give you bids for your insurance coverage. It's much easier because you don't need to contact an agency since price quotes are sent instantly to you. It's the lowest rates without a big time investment. If you need to get a comparison quote from a particular provider, you would need to find their quoting web page and fill out the quote form the provide.

Do you need an independent or exclusive car insurance agent?

If you want a reliable agent, it can be helpful to understand the different types of agents and how they differ in how they quote coverages. Insurance agents are either independent agents or exclusive agents.

Independent Insurance Agents

Agents that elect to be independent are not restricted to one company so they can insure your vehicles through many companies and find the cheapest insurance rates. To move your coverage to a new company, the agent simply finds a different carrier which is easy for the insured.

When comparing insurance prices, we recommend you contact a couple of independent agencies to ensure the widest selection of prices.

Below is a list of independent insurance agents in Philadelphia who can help you get free price quotes.

7214 Frankford Ave - Philadelphia, PA 19135 - (800) 283-0500 - View Map

4169 Main St - Philadelphia, PA 19127 - (215) 508-9000 - View Map

2704 Street Rd - Bensalem, PA 19020 - (215) 891-9990 - View Map

More Philadelphia agents

Exclusive Insurance Agents

Agents of this type generally can only insure with one company like AAA, State Farm, Farmers Insurance, and Allstate. They usually cannot compare other company's rates so they have no alternatives for high prices. They are well trained on their company's products which helps overcome the inability to quote other rates.

The following are exclusive agencies in Philadelphia willing to provide rate quotes.

6335 Wayne Avenue - Philadelphia, PA 19144 - (215) 438-8440 - View Map

6200 Frankford Ave - Philadelphia, PA 19135 - (215) 289-5179 - View Map

George Kweder - State Farm Insurance Agent
1521 W Oregon Ave - Philadelphia, PA 19145 - (215) 467-1837 - View Map

More Philadelphia agents

Choosing the best insurance agent requires you to look at more than just a cheap price. Any agent in Philadelphia should be willing to answer these questions.

  • How much can you save by raising your physical damage deductibles?
  • Are they able to provide referrals?
  • In the event of vehicle damage, can you pick the collision repair facility?
  • Does the agency provide any after hours assistance?
  • Which companies can they place coverage with?

How Insurance Providers Determine Toyota Land Cruiser Insurance Costs

Multiple criteria are used in the calculation when premium rates are determined. A few of the factors are predictable like an MVR report, but other criteria are more transparent like your continuous coverage and annual miles driven. Part of the auto insurance buying process is learning a few of the rating criteria that play a part in calculating auto insurance rates. When consumers understand what determines base rates, this enables you to make decisions that may result in cheaper rates.

  • Gender and insurance coverage prices - Over the last 30 years, statistics show women tend to be less risk to insure than men. The data does not necessarily mean that males are worse at driving than females. Both sexes tend to get into auto accidents at a similar rate, but guys have costlier accidents. Not only are claims higher, but men receive more major tickets like DUI and reckless driving.

    The information below shows the comparison of Toyota Land Cruiser insurance costs for male and female drivers. The costs are based on no accidents, no driving violations, comp and collision included, $500 deductibles, drivers are single, and no discounts are taken into consideration.

  • Decrease prices by maintaining coverage - Not maintaining insurance is a big no-no and as a result your rates will increase for letting your insurance lapse for non-payment. Not only will you pay higher rates, being ticketed for driving with no insurance could earn you fines and jail time. You may then be required to submit proof of financial responsibility or a SR-22 with the Pennsylvania motor vehicle department.
  • Single drivers may pay higher rates - Getting married can get you a discount when shopping for auto insurance. It usually means you are more mature than a single person and statistics show drivers who are married file infrequent claims.
  • Pleasure use saves money - The more you drive in a year the more it will cost to insure it. Many insurance companies price each vehicle's coverage based on their usage. Vehicles that have low annual miles receive lower rates than vehicles that have high annual mileage. Make sure your auto insurance policy is rated on the right rating data. Improper usage on your Land Cruiser may be costing you.
  • Your liability insurance limits - Your policy's liability coverage will protect you in the event that you are ruled to be at fault for physical damage or personal injury to other. It will provide legal defense which can cost thousands of dollars. It is affordable coverage when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Loss statistics for a Toyota Land Cruiser - Insurers include the past claim trends for vehicles as a way to help calculate a profitable premium price. Models that have higher frequency or amount of claims will have higher rates for specific coverages.

    The table below outlines the historical insurance loss data for Toyota Land Cruiser vehicles. For each type of coverage, the loss probability for all vehicles, regardless of make, model or trim level, is a value of 100. Numbers below 100 suggest a better than average loss history, while percentage values above 100 point to more frequent losses or statistically larger losses.

    Toyota Land Cruiser Insurance Claim Statistics
    Specific Toyota Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Toyota Land Cruiser 4dr 4WD 94 88 171

    Empty fields indicate not enough data collected
    Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Why you need insurance for your vehicle

Even though Philadelphia Land Cruiser insurance rates can get expensive, insuring your vehicle serves an important purpose.

  • Just about all states have mandatory insurance requirements which means state laws require a minimum amount of liability protection if you don't want to risk a ticket. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If you bought your Land Cruiser with a loan, it's most likely the lender will have a requirement that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the bank will be required to insure your Toyota at an extremely high rate and require you to fork over much more than you were paying before.
  • Car insurance protects not only your vehicle but also your assets. It will also reimburse you for hospital and medical expenses for not only you but also any passengers injured in an accident. Liability insurance will also pay attorney fees if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, your policy will pay to restore your vehicle to like-new condition.

The benefits of insuring your Land Cruiser definitely exceed the price paid, especially if you ever need it. Despite what companies tell you, the average driver is currently overpaying as much as $869 every year so it's very important to do a rate comparison every year to be sure current rates are still competitive.

Quote. Compare. Save.

You just read a lot of tips how to get a better price on Toyota Land Cruiser insurance in Philadelphia. The key concept to understand is the more providers you compare, the better your chances of lowering your premium rates. Drivers may even discover the lowest priced insurance comes from the smaller companies. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.

Discount Toyota Land Cruiser insurance in Philadelphia can be bought on the web in addition to many Philadelphia insurance agents, and you should compare rates from both so you have a total pricing picture. Some insurance providers don't offer rate quotes online and most of the time these small insurance companies only sell through independent agents.

While you're price shopping online, do not buy poor coverage just to save money. In many cases, someone sacrificed physical damage coverage only to regret that a couple dollars of savings turned into a financial nightmare. The goal is to buy enough coverage at the best price, but do not sacrifice coverage to save money.

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