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.
Unbelievably, 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.
| 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.
| 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 | |||||||
| 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.
- Seat Belts Save – Drivers who require all vehicle occupants to use their safety belts can save up to 15% on the premium charged for medical payments and/or PIP.
- Own a Home – Being a homeowner can help you save on car insurance because of the fact that having a home is proof that your finances are in order.
- Drive Less and Save – Low mileage vehicles could be rewarded with lower car insurance rates on the low mileage vehicles.
- Government Employee Discount – Simply working for the federal government could qualify for a slight premium decrease with a few car insurance companies.
- Drivers Education – It’s a good idea to have your young drivers participate in a local driver’s education class as it can save substantially.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
- No Claim Discounts – Insureds who avoid accidents and claims have much lower rates when compared with policyholders that have many claims.
- Data Collection Discounts – Insureds that choose to allow data collection to study where and when they drive by using a telematic data system such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if they exhibit good driving behavior.
- Multiple Policy Discount – If you can bundle your home and auto insurance and insure them both with the same insurance company they may give you a discount of at least 10 to 15 percent or more.
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:
- State Farm may have discounts that include multiple autos, anti-theft, driver’s education, Steer Clear safe driver discount, student away at school, and Drive Safe & Save.
- Esurance has discounts for good student, anti-theft, defensive driver, DriveSense, online quote, multi-car, and safety device.
- Progressive includes discounts for multi-vehicle, online quote discount, homeowner, online signing, good student, continuous coverage, and multi-policy.
- Liberty Mutual may offer discounts for hybrid vehicle, newly retired, multi-car, multi-policy, and newly married.
- Auto-Owners Insurance may include discounts for paid in full, teen driver, group or association, anti-lock brakes, multiple vehicles, mature driver, and good student.
- GEICO policyholders can earn discounts including multi-vehicle, driver training, daytime running lights, anti-lock brakes, defensive driver, seat belt use, and federal employee.
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.
Grange Insurance Association
200 Cedar St – Seattle, WA 98121 – (800) 247-2643 – View Map
Cairns Insurance Agency
13751 Lake City Way NE #214 – Seattle, WA 98125 – (206) 368-8117 – View Map
Sound Insurance Agency, Inc.
9627 Aurora Ave N – Seattle, WA 98103 – (206) 527-0888 – View Map
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.
Olivia Crelencia – State Farm Insurance Agent
502 Rainier Ave S Ste 102 – Seattle, WA 98144 – (206) 725-2424 – View Map
Thury Foster – State Farm Insurance Agent
444 NE Ravenna Blvd #104 – Seattle, WA 98115 – (206) 985-2528 – View Map
Terry Gangon – State Farm Insurance Agent
4727 44th Ave SW Ste 100 – Seattle, WA 98116 – (206) 935-9955 – View Map
Finding the right insurance agency should depend on more than just a cheap price quote. The questions below may impact your decision as well.
- Are claim adjusters local or do you have to take your car somewhere else?
- Will a damage claim use OEM or aftermarket replacement parts?
- Do they have any clout with companies to ensure a fair claim settlement?
- Is assistance available after office hours?
- Do they specialize in personal lines coverage in Seattle?
- Does the agency support the community they serve?
- Is working in the agency their full-time job?
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.
For example, these questions can aid in determining whether you might need an agent’s assistance.
- How much liability insurance is required?
- Is upholstery damage covered by car insurance?
- How can I force my company to pay a claim?
- I have a DUI can I still get coverage?
- Do I need motorclub coverage?
- Am I covered when driving someone else’s vehicle?
- Will I be non-renewed for getting a DUI or other conviction?
- Why do I have to buy liability insurance?
- Is my camper covered for physical damage?
- Does coverage extend to Mexico or Canada?
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.
More learning opportunities
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Who Has Affordable Seattle Car Insurance for High School Students? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Drivers Under 21 in Seattle? (FAQ)
- Who Has Cheap Seattle Auto Insurance for a Dodge Grand Caravan? (FAQ)
- How Much are Seattle Auto Insurance Quotes for College Students? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Hyundai Santa Fe in Seattle? (FAQ)
- Who Has Cheap Car Insurance Quotes for Uninsured Drivers in Seattle? (FAQ)
- Safety Belts FAQ (iihs.org)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)