Best Ways to Save on Seattle Toyota Land Cruiser Insurance

How long has it been since you sat down and looked for more competitive Toyota Land Cruiser insurance in Seattle? Paying for pricey Toyota Land Cruiser insurance in Seattle can dry up your accounts and make it hard to pay other bills. Comparing price quotes can help to cut your insurance bill.

Insurance for Toyota Land CruiserUnbelievably, nearly 70% of drivers kept buying from the same company for at least four years, and about 40% of consumers have never quoted rates to find lower-cost coverage. Washington drivers can save 40% each year by just shopping around, but they don’t want to spend time to shop their coverage around.

Numerous insurance companies battle to insure your vehicles, so it can be very hard to choose a insurance company and uncover the absolute cheapest price on Toyota Land Cruiser insurance in Seattle.

Consumers need to shop coverage around yearly because insurance prices are adjusted regularly by insurance companies. Just because you had the best rates on Toyota Land Cruiser insurance in Seattle a few years ago there is a good chance you can find better rate quotes now. Forget all the misinformation about insurance because I’m going to let you in on the secrets to the tricks you need to know to find the best coverage while lowering your premiums.

If you are paying for car insurance now, you will most likely be able to buy cheaper car insurance using these tips. Buying the cheapest car insurance in Seattle seems hard but is not really that difficult. But Washington vehicle owners must learn how the larger insurance companies calculate your car insurance rates because it varies considerably.

Most of the larger companies allow consumers to get insurance quotes direct online. This process is quite simple as you simply type in the amount of coverage you want into the quote form. When complete, the quote system collects reports for credit and driving violations and provides a quote based on the data you entered. Being able to quote online for Toyota Land Cruiser insurance in Seattle makes comparing rates easy, and it’s also necessary to have as many quotes as possible in order to get a better rate.

In order to compare rates now, check out the auto insurance providers below. If you have your current policy handy, we recommend you type in coverages and limits as shown on your current policy. Using the same limits helps guarantee you will get a fair comparison for similar insurance coverage.

The car insurance companies shown below provide comparison quotes in Seattle, WA. If several companies are displayed, we suggest you compare several of them to get the best price comparison.

Toyota Land Cruiser Insurance Rates in Seattle, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Land Cruiser $270 $536 $384 $22 $114 $1,326 $111
Get Your Own Custom Quote Go

Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Table data does not factor in specific location information which can increase or decrease coverage rates greatly.

Car insurance deductibles

The information below illustrates how your deductible choice and can impact Toyota Land Cruiser insurance costs for different age groups. The costs are based on a single female driver, full physical damage coverage, and no discounts are factored in.

Physical damage deductibles: Should you raise them?

When shopping for car insurance, a common question is how high should the physical damage deductibles be. The rates below can help illustrate the rate differences between low and high physical damage deductibles. The first pricing table uses a $100 comprehensive and collision deductible and the second data table uses a $500 deductible.

Toyota Land Cruiser insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Land Cruiser $384 $704 $294 $18 $88 $1,513 $126
Get Your Own Custom Quote Go

Toyota Land Cruiser insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Land Cruiser $280 $476 $294 $18 $88 $1,156 $96
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Price information does not factor in vehicle garaging location which can modify rates greatly.

Based on the data above, we can derive that using a $100 deductible costs roughly $30 more each month or $360 for a full year than requesting the higher $500 deductible. Due to the fact that you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you go at least 13 months between claims, you would probably come out ahead if you elect the higher deductible. Here’s how you can decide this on your own policy.

Average monthly premium for $100 deductibles: $126
Average monthly premium for $500 deductibles (subtract): – $96
Monthly savings from raising deductible: $30
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $30
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

Insurance in Washington serves several purposes

Even though it’s not necessarily cheap to insure a Toyota in Seattle, insuring your vehicle is required by state law in Washington and it also provides benefits you may not be aware of.

First, the majority of states have mandatory insurance requirements which means the state requires specific limits of liability coverage in order to drive the car legally. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a loan on your vehicle, more than likely the lender will stipulate that you have insurance to ensure loan repayment if the vehicle is totalled. If coverage lapses or is canceled, the lender will be forced to insure your Toyota at a much higher premium rate and make you pay for the much more expensive policy.

Third, insurance safeguards both your Toyota Land Cruiser and your personal assets. Insurance will also pay for most medical and hospital costs for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if someone files suit against you as the result of an accident. If you have damage to your Toyota as the result of the weather or an accident, your policy will pay to restore your vehicle to like-new condition.

The benefits of insuring your Land Cruiser more than cancel out the cost, particularly when you have a large claim. According to a 2015 survey, the average American driver is wasting up to $850 per year so it’s recommended you shop around at every policy renewal to ensure rates are inline.

Get cheaper Toyota Land Cruiser insurance rates in Seattle

Companies that sell car insurance do not list all possible discounts in a way that’s easy to find, so the next list breaks down a few of the more well known as well as some of the hidden discounts that you may qualify for.Discount car insurance

It’s important to note that some credits don’t apply to your bottom line cost. Most cut the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like having all the discounts means you get insurance for free, you’re out of luck. But all discounts should definitely cut the cost of your policy.

The best car insurance companies and some of the premium reductions they offer include:

It’s a good idea to ask each company or agent which discounts you qualify for. Discounts might not be offered on policies in Seattle. If you would like to choose from a list of car insurance companies that offer the discounts shown above in Seattle, click here to view.

Neighborhood Seattle auto insurance agents

A lot of people still prefer to have an agent’s advice and that is not a bad decision One of the great benefits of comparing insurance prices online is that drivers can save money and get the best rates and still have a local agent. And buying from local agencies is especially important in Seattle.

To make it easy to find an agent, after completing this quick form, the quote information is instantly submitted to companies in Seattle that provide free Seattle auto insurance quotes for your auto insurance coverage. You don’t have to leave your computer due to the fact that quote results will go to your email. You can find lower rates without requiring a lot of work. If for some reason you want to quote rates from one company in particular, you would need to jump over to their website and give them your coverage information.

If you need to find a local agent, you should know the different types of agencies and how they can service your needs differently. Auto insurance agents are classified as either independent (non-exclusive) or exclusive.

Independent Agents (or Brokers)

Agents that elect to be independent are not locked into one company and that is an advantage because they can write policies amongst many companies and get you the best rates possible. If your agent finds better pricing, the business is moved internally and that require little work on your part.

When comparing auto insurance prices, you definitely need to get insurance quotes from at least one independent agent so that you can do a thorough price comparison.

Listed below is a small list of independent insurance agencies in Seattle that can possibly get you competitive price quotes.

200 Cedar StSeattle, WA 98121(800) 247-2643View Map

13751 Lake City Way NE #214Seattle, WA 98125(206) 368-8117View Map

9627 Aurora Ave NSeattle, WA 98103(206) 527-0888View Map

View more Seattle agents

Exclusive Insurance Agents

Exclusive agencies can only place business with one company such as State Farm, AAA, Farmers Insurance or Allstate. These agents are not able to shop your coverage around so keep that in mind. Exclusive agencies are usually well trained on the products they sell which helps overcome the inability to quote other rates.

Shown below are exclusive agents in Seattle that can give you comparison quotes.

502 Rainier Ave S Ste 102Seattle, WA 98144(206) 725-2424View Map

444 NE Ravenna Blvd #104Seattle, WA 98115(206) 985-2528View Map

4727 44th Ave SW Ste 100Seattle, WA 98116(206) 935-9955View Map

View more Seattle agents

Finding the right insurance agency should depend on more than just a cheap price quote. The questions below may impact your decision as well.

Insurance agents can help

When quoting and choosing the best insurance coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different.Higher deductibles save money

For example, these questions can aid in determining whether you might need an agent’s assistance.

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form.

Cheap car insurance rates are out there

Discount Toyota Land Cruiser insurance in Seattle can be bought on the web as well as from independent agents in Seattle, and you should compare rates from both in order to have the best chance of saving money. Some insurance providers may not offer rate quotes online and most of the time these smaller companies only sell coverage through independent agencies.

As you quote Seattle auto insurance, do not buy lower coverage limits just to save a few bucks. There have been many cases where an insured cut collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to buy enough coverage at the best possible price, not the least amount of coverage.

In this article, we presented quite a bit of information on how to reduce Toyota Land Cruiser insurance rates online in Seattle. The key concept to understand is the more times you quote, the higher the chance of saving money. Consumers may even find the best price on car insurance is with a company that doesn’t do a lot of advertising.

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