Find Cheaper Toyota Land Cruiser Insurance in Raleigh

Insurance for Toyota Land CruiserTo save the most money, the best way to quote cheaper Toyota Land Cruiser insurance is to compare prices annually from insurers who provide auto insurance in Raleigh.

Step 1: Take a few minutes and learn about the different coverages in a policy and the things you can change to prevent expensive coverage. Many rating factors that cause rate increases such as distracted driving and an unacceptable credit history can be rectified by improving your driving habits or financial responsibility.

Step 2: Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from a single company like GEICO and State Farm, while independent agents can provide rate quotes from many different companies.

Step 3: Compare the new quotes to your current policy premium to see if a cheaper price is available in Raleigh. If you find a lower rate quote and change companies, verify that coverage does not lapse between policies.

The most important part of shopping around is to use similar deductibles and liability limits on each quote and to quote with all possible companies. This helps ensure a level playing field and plenty of rates choose from.

It’s an obvious statement that insurance companies want to prevent you from shopping around. Insureds who shop for lower rates will most likely switch to a new company because the odds are good of finding a cheaper policy. A recent insurance study discovered that consumers who regularly compared rates saved over $865 annually compared to other drivers who don’t regularly compare prices.

If finding the best rates on car insurance is your ultimate objective, then learning a little about the best way to quote and compare coverages can make the process less intimidating.

Finding Toyota Land Cruiser insurance in Raleigh, North Carolina

The companies shown below provide quotes in Raleigh, NC. To buy cheap auto insurance in Raleigh, we recommend you click on several of them to find the cheapest car insurance rates.

Analysis of Toyota Land Cruiser rates

The data table displayed next outlines detailed analysis of prices for Toyota Land Cruiser models. Having a good understanding how auto insurance prices are established is important to be able to make smart choices when buying a car insurance policy.

Toyota Land Cruiser Insurance Rates in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Land Cruiser $236 $402 $250 $14 $74 $976 $81
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Prices do not factor in Raleigh location which can alter coverage rates substantially.

Choosing deductibles

When shopping for car insurance, a common question is how high should the physical damage deductibles be. The comparisons below outline the rate differences when you choose different physical damage deductibles. The first rate estimation uses a $250 physical damage coverage deductible and the second price table uses a $500 deductible.

Toyota Land Cruiser insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Land Cruiser $292 $498 $250 $14 $74 $1,153 $96
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Toyota Land Cruiser insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Land Cruiser $236 $402 $250 $14 $74 $976 $81
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Premium costs do not factor in specific location which can lower or raise coverage prices greatly.

Based on the figures above, using a $250 deductible costs roughly $15 more each month or $180 a year than opting for the higher $500 deductible. Because you would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you have at least 17 months between claim filings, you would most likely save money if you choose a higher deductible.

Cost difference between full coverage and liability

The information below compares Toyota Land Cruiser car insurance costs with full physical damage coverage compared to only buying liability only. The data assumes no violations or claims, $100 deductibles, single marital status, and no additional discounts are factored in.

Guidelines for eliminating full coverage

There is no definitive rule of when to exclude physical damage coverage, but there is a guideline you can consider. If the annual cost of having full coverage is more than 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let’s assume your Toyota Land Cruiser replacement cost is $3,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $2,000 after paying the physical damage deductible. If you are paying in excess of $200 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

There are some situations where dropping full coverage is not a good plan. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.

When should I get advice from an insurance agency?

A small number of people still like to have an agent’s advice and that is a smart decision Experienced insurance agents are highly skilled in risk management and give you someone to call. The biggest benefit of comparing rates online is you may find cheap rate quotes and still have a local agent.

Insurance agents in RaleighBy using this form (opens in new window), your insurance coverage information is sent to insurance agents in Raleigh who will give you bids for your coverage. There is no need to visit any agencies since rate quotes are delivered straight to your inbox. If you wish to get a comparison quote from a specific company, you just need to go to their quote page and give them your coverage information.

Choosing an insurer requires more thought than just the premium amount. These are some questions you should get answers to.

Compare rates from both independent and exclusive car insurance agents

If you want a reputable insurance agent or broker, it’s helpful to know the different agency structures and how they function. Insurance agents are considered either independent (non-exclusive) or exclusive. Either one can write policy coverage, but it’s good to learn the differences since it could factor into your selection of an agent.

Exclusive Insurance Agents

Exclusive insurance agents can only provide one company’s prices like Farmers Insurance, Allstate, or State Farm. They usually cannot compare rates from other companies so they really need to provide good service. Exclusive agencies are trained well on their products and sales techniques which can be an advantage. Some consumers prefer to choose to use a exclusive agent partially due to the brand name rather than low rates.

Below is a list of exclusive insurance agents in Raleigh willing to provide price quotes.

More Raleigh agents

Independent Insurance Agents

Agents that choose to be independent often have many company appointments so they can quote policies amongst many companies and get you the best rates possible. If they quote lower rates, they simply move the coverage in-house and you stay with the same agent. If you need lower rates, we recommend you compare prices from a couple of independent agencies to get the best comparison. Most independent agents also contract with different regional companies which can be an advantage.

Below are Raleigh independent agents who can help you get price quotes.

More Raleigh agents

After getting positive feedback to your questions and an affordable coverage quote, most likely you have located an insurance agent that can be trusted to properly service your insurance policy.

Best car insurance in Raleigh

Picking the best insurer can be challenging considering how many companies provide coverage in North Carolina. The rank data shown below can help you pick which auto insurance companies you want to consider shopping prices with.

Best Car Insurance Companies in Raleigh
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies