Would you prefer to buy the cheapest Toyota Land Cruiser insurance in San Antonio? Wish you could get out of overpriced Toyota Land Cruiser insurance in San Antonio? Don’t sweat it because there are lots of San Antonio residents who feel the same.
Smart shoppers know that auto insurance companies don’t want their policyholders to compare prices. Drivers who compare rates at least once a year will most likely switch to a new company because there is a good probability of finding lower prices. Remarkably, a study showed that consumers who made a habit of comparing rate quotes saved an average of $3,450 over four years compared to drivers who didn’t regularly shop around.
If saving money on auto insurance is your objective, knowing how to find and compare insurance can make it easier for you to save money. Insurance companies such as State Farm, GEICO and Farmers Insurance promote their brand names with TV and radio ads and it is challenging if not impossible to separate fact from fiction and do the work needed to find the best deal.
Getting cheap Toyota Land Cruiser auto insurance pricing can be surprisingly simple. The only thing you need to do is take a few minutes getting comparison quotes from different insurance companies.
It’s so simple to compare auto insurance rate quotes online takes the place of having to go to insurance agencies in your area. Comparing online rate quotes eliminates this option unless you’re the type of person who wants the professional advice that only an agent can give. Although, it is possible comparison shop your insurance online but still have the advice of a local agent.
The providers in the list below offer free quotes in San Antonio, TX. If several companies are displayed, we suggest you visit two to three different companies in order to find the most affordable rates.
Get affordable rates by taking advantage of discounts
Car insurance can cost a lot, but there are discounts available that could help you make your next renewal payment. Some of these discounts will be visible when you complete an application, but some need to be asked for before you will receive the discount.
- Accident Forgiveness – This isn’t a discount exactly, but companies like Progressive, State Farm and GEICO will turn a blind eye to one accident before they charge you more for coverage if you have no claims for a particular time prior to the accident.
- Telematics Discount – Drivers who elect to allow their company to track driving patterns by using a telematic data system like Allstate’s Drivewise might get better premium rates if their driving habits are good.
- Policy Bundle Discount – If you can combine your auto and homeowners policy with one insurance company you could earn a discount of approximately 10% to 15%.
- Professional Organizations – Belonging to a professional or civic organization is a good way to get lower rates on your policy.
- Low Mileage – Fewer annual miles on your Toyota may allow you to get cheaper prices.
Remember that most credits do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like all those discounts means the company will pay you, it’s just not the way it works.
The information below shows the comparison of Toyota Land Cruiser car insurance costs with and without discounts applied. The data is based on a female driver, no claims or violations, Texas state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-car, claim-free, safe-driver, and multi-policy discounts applied.
Some of the insurance companies who might offer many of the previously listed discounts possibly include:
When quoting, ask every company which discounts they offer. Depending on the company, some discounts might not be available to policyholders in San Antonio.
Rate information and statistics
The rate information displayed below showcases a range of prices for Toyota Land Cruiser models. Having insight into how policy premiums are formulated helps drivers make decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Land Cruiser | $476 | $1026 | $496 | $30 | $148 | $2,176 | $181 |
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Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Information does not factor in zip code location which can alter coverage rates considerably.
Toyota Land Cruiser liability-only versus full coverage
The illustration below visualizes the comparison of Toyota Land Cruiser insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The data is based on no accidents or driving violations, $1,000 deductibles, single marital status, and no discounts are factored in.
Guidelines for dropping full coverage
There is no clear-cut rule to stop buying comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is 10% or more of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.
For example, let’s say your Toyota Land Cruiser claim settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $7,000 after paying your deductible. If you are paying over $700 annually for physical damage coverage, the it may be a good time to stop paying for full coverage.
There are some situations where removing full coverage is not recommended. If you haven’t satisfied your loan, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.
How You Can Control Toyota Land Cruiser Insurance Rates
Many things are used in the calculation when quoting car insurance. Some are obvious such as your driving record, but other factors are not as apparent like where you live or your commute time. A large part of saving on insurance is knowing some of the things that are used to determine the price you pay for insurance. When you understand what determines base rates, this helps enable you to make changes that may result in lower premium levels.
Listed below are some of the factors that factor into your rate level.
Vehicle theft costs us all – Buying a car that has an advanced theft prevention system can save you a little every year. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft and help bring rates down.
You might want pay the minor claims yourself – Companies in Texas give cheaper rates to policyholders who file claims infrequently. If you are the type of insured that files lots of claims you can definitely plan on higher premiums or even policy non-renewal. Insurance coverage is meant to be used in the event of larger claims.
Save money by having multiple policies – Most insurers allow lower prices to people that purchase more than one policy. It’s known as a multi-policy discount. If you currently are using one company, it’s still a good idea to compare other company rates to guarantee you are still saving the most.
Cars with good safety ratings save money – Safe vehicles cost less to insure. Vehicles engineered for safety reduce occupant injuries and fewer serious injuries means your insurance company pays less passed on to you as lower rates.
Stress out and pay more – Occupations like military personnel, executives, and stock brokers tend to have higher rates than average due to intense work-related stress and extremely grueling work hours. On the other hand, careers like scientists, students and the unemployed pay lower than average rates.
Better rates for no policy lapses – Having a lapse in insurance coverage can be a fast way to increase your renewal premiums. In addition to paying higher premiums, the inability to provide proof of insurance could result in a license revocation or jail time.
Driving citations are costly – Having just one speeding ticket can increase rates twenty percent or more. Drivers with clean records pay lower auto insurance prices compared to drivers with tickets. People who have dangerous citations like DUI, reckless driving or excessive speeding may find that they have to to prove financial responsibility with their state motor vehicle department in order to prevent a license revocation.
The diagram below illustrates how traffic citations and fender-benders can increase Toyota Land Cruiser insurance costs for different age categories. The premium estimates are based on a single male driver, comp and collision included, $1,000 deductibles, and no discounts are applied.
Insurance loss data for a Toyota Land Cruiser – Insurers use claims history in order to profitably underwrite each model. Vehicles that tend to have high amounts or severity of claims will be charged more to insure.
The data below shows the insurance loss data used by companies for Toyota Land Cruiser vehicles. For each policy coverage, the claim amount for all vehicles, as an average, is a value of 100. Values that are 100 or less suggest a better than average loss history, while percentages above 100 indicate more frequent losses or a tendency for losses to be larger than average.
| 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
Compare rate quotes but still have a local San Antonio insurance agency
Many drivers just prefer to have an agent’s advice and that is a smart decision Good agents will help you protect your assets and help submit paperwork. A nice benefit of comparing rate quotes online is the fact that drivers can get cheaper car insurance rates but also keep your business local.
To make it easy to find an agent, after completing this quick form, the coverage information is transmitted to participating agents in San Antonio who will give you quotes for your auto insurance coverage. It simplifies rate comparisons since you won’t have to visit any agencies due to the fact that quote results will go to the email address you provide. If you want to get a price quote from a specific company, just jump over to their website and fill out the quote form the provide.
Choosing the best insurer should depend on more than just the quoted price. Below are some questions you should ask.
- Will you get a loaner vehicle if you car is being repaired?
- Do you work with a CSR or direct with the agent?
- Do you need full coverage on every vehicle?
- Where would glass claims be handled in San Antonio?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Is there any savings for paying the full premium?
- Do they have cheaper tiers of coverage?
- Do they carry Errors and Omissions coverage?
Compare insurance prices regularly to save
Cost effective Toyota Land Cruiser insurance can be found on the web and from local agencies, and you need to price shop both to have the best chance of lowering rates. Some insurance providers do not offer price quotes online and usually these regional carriers sell through independent agents.
You just learned many tips how you can lower your Toyota Land Cruiser insurance rates in San Antonio. The key concept to understand is the more providers you compare, the higher your chance of finding cheaper San Antonio car insurance quotes. Consumers could even find that the biggest savings come from the least-expected company. Smaller companies may only write in your state and offer lower car insurance rates than the large multi-state companies such as Allstate and Progressive.
Additional learning opportunities
- What is a Telematics Device? (Allstate)
- How Much is Car Insurance for Police Officers in San Antonio? (FAQ)
- How Much is San Antonio Auto Insurance for a 20 Year Old Male? (FAQ)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Event Data Recorders FAQ (iihs.org)