Save Money on Toyota Land Cruiser Insurance in Atlanta

Are you researching the cheapest car insurance rates in Atlanta, GA? Atlanta consumers have many options when looking for affordable Toyota Land Cruiser insurance. You can either spend your time struggling with agents trying to get quotes or utilize the internet to find the lowest rates. There are more efficient ways to compare car insurance rates so you’re going to learn the best way to quote coverages for your Toyota and obtain the lowest possible price from both online companies and Atlanta agents.

You need to compare rates as often as possible since prices trend upward over time. If you had the lowest quotes on Toyota Land Cruiser insurance in Atlanta six months ago the chances are good that you can find a lower rate today. There is too much inaccurate information about Land Cruiser insurance on the internet, but by reading this article, you’re going to learn some good information on how to buy car insurance cheaper in Atlanta.

Locating the best rates in Atlanta is actually not that difficult if you follow our advice. If you already have coverage, you should be able to shop for the lowest rates using these tips. Vehicle owners only need to know the most time-saving way to buy auto insurance online.

Score discounts to get cheaper Atlanta auto insurance rates

Companies offering auto insurance don’t necessarily list the complete list of policy discounts very well, so we researched some of the best known and also the more inconspicuous discounts that you may qualify for. If you’re not getting every credit you deserve, you could be paying more than you need to.

• Telematics Devices – Policyholders that allow their company to monitor where and when they drive by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive might see lower rates as long as they are good drivers.
• Memberships – Being a member of a civic or occupational organization in Atlanta may earn a discount when shopping for auto insurance.
• Theft Deterrent – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen with less frequency so companies will give you a small discount.
• Policy Bundle Discount – If you can combine your auto and homeowners policy with the same insurance company you could save over 10 percent off each policy depending on the company.
• Air Bags and Passive Restraints – Factory options such as air bags and/or automatic seat belt systems can get savings of 25 to 30%.
• Pay Upfront and Save – By making one initial payment rather than paying in monthly installments you may reduce your total bill.
• Driver Education Discount – It’s a good idea to have your young drivers successfully complete driver’s ed class if it’s offered in school.

We need to note that many deductions do not apply to the whole policy. Some only reduce individual premiums such as medical payments or collision. Even though it appears you can get free auto insurance, you won’t be that lucky.

Auto insurance companies who may offer many of the previously listed discounts include:

• Progressive
• GEICO
• State Farm
• Esurance
• The Hartford

When getting a coverage quote, ask each company what discounts are available to you. Some discounts listed above might not be offered in Atlanta. To see a list of companies with the best Toyota Land Cruiser insurance discounts in Georgia, follow this link.

The companies in the list below offer free rate quotes in Georgia. If the list has multiple companies, we suggest you compare several of them to get the best price comparison.

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Rates do not factor in specific zip code location which can impact prices considerably.

Toyota Land Cruiser insurance costs by gender and age in Atlanta

The chart below illustrates the difference between Toyota Land Cruiser insurance prices for male and female drivers. Data assumes no claims or driving citations, comprehensive and collision coverage, $500 deductibles, marital status is single, and no discounts are applied to the premium.

Careless drivers pay higher rates

The example below highlights how speeding tickets and at-fault claims can increase Toyota Land Cruiser annual premium costs for each different age group. The data assumes a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.

Higher deductibles lower rates

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

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Price estimates do not factor in vehicle garaging location which can affect coverage prices substantially.

Based on the data above, we can derive that using a $250 deductible will cost you approximately $22 more each month or $264 every year than quoting the higher $500 deductible. Since you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally go more than 11 months between claims, you would probably be better off if you opt for a higher deductible. Here’s an example of how you can do this calculation yourself.

One important issue to know is that higher deductibles means you will have to cover more of the damage yourself when you file a claim. It will be required that you have some funds available in the event you need to pay more for the deductible.

Why You Might Pay Lower Rates in Atlanta

Many things are part of the calculation when pricing auto insurance. Most are fairly basic like a motor vehicle report, although some other factors are not quite as obvious like your vehicle usage or your financial responsibility.

• Where you live plays a part – Living in areas with lower population is a good thing when buying car insurance. Drivers in populated areas tend to have more road rage incidents and a longer drive to work. Fewer drivers translates into fewer accidents in addition to lower liability claims
• Frequent car insurance claims will cost more – Car insurance companies in Georgia provide lower rates to policyholders that do not abuse their auto insurance. If you tend to file frequent claims, you can pretty much guarantee either policy cancellation or increased premiums. Your car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
• How do annual miles impact costs? – The more you drive your Toyota each year the higher the price you pay to insure it. Almost all companies apply a rate based on how the vehicle is used. Cars that sit idle most of the time cost less to insure than cars that get driven a lot. It’s a smart idea to ensure your car insurance policy is rated on how each vehicle is driven, because it can save money. Having the wrong rating on your Land Cruiser is throwing money out the window.
• Performance affects insurance costs – The type of car or truck you own makes a substantial difference in how high your rates are. The lowest base rates are usually for lower cost passenger cars, but the final cost of insurance is determined by many other factors. Because the Toyota Land Cruiser falls in the standard SUV class, insuring your vehicle will cost slightly more compared to average rates in Atlanta.
• How credit rating affects car insurance costs – A driver’s credit score is a big factor in determining what you pay for car insurance. Drivers who have high credit ratings tend to file fewer claims than drivers with bad credit. If your credit rating leaves room for improvement, you could potentially save money when insuring your Toyota Land Cruiser by improving your credit score.
• Car insurance rates and your vocation – Jobs like fire fighters, airline pilots, and accountants generally have higher rates than the rest of us because of stressful work requirements and long work days. On the other hand, careers such as farmers, engineers and homemakers receive lower rates.
• Avoid unnecessary add-on coverages – Insurance companies have many additional coverages you can purchase if you aren’t careful. Insurance for vanishing deductibles, better glass coverage, and extra life insurance coverage may not be needed and are just wasting money. These coverages may sound good when deciding what coverages you need, but your needs may have changed so remove them from your policy.
• Cheaper rates by bundling – The majority of insurance companies provide lower prices for people that purchase more than one policy in the form of a multi-policy discount. Even if you’re getting this discount you may still want to get quotes from other companies to verify if the discount is saving money. It’s possible to still save even more by buying from different companies
• Insurance loss probability for a Toyota Land Cruiser – Companies use statistical claims data to help determine rates. Models that are shown to have higher loss trends will cost more to insure.

  The table below illustrates the historical loss data for Toyota Land Cruiser vehicles. For each type of coverage, the loss probability for all vehicles, regardless of make or model, is equal to 100. Numbers under 100 imply a favorable loss record, while values that are above 100 indicate more frequent claims or statistically larger claims.

  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

  BETTER

  AVERAGE

  WORSE

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

You may want advice from an insurance agent

Some consumers would prefer to get professional advice from a licensed agent and that can be a smart move Professional insurance agents are trained risk managers and help you file claims. An additional benefit of comparing auto insurance online is the fact that you can find cheap rate quotes and also buy local.

By using this simple form, the coverage information is immediately sent to insurance agents in Atlanta who will give you bids to get your business. You won’t need to leave your computer as quotes are delivered to you directly. If you want to get a rate quote for a specific company, you would need to visit that company’s website and give them your coverage information.

Deciding on an insurance company should include more criteria than just the price. Here are some questions to ask:

• Do they receive special compensation for putting your coverage with one company over another?
• Do they offer accident forgiveness?
• Are they giving you every discount you deserve?
• Is the quote a firm price?
• Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
• Is the agency active in community causes in Atlanta?
• What will you get paid if your car is a total loss? How is that amount determined?

If you need to find a reliable agent, it helps to know the two types of insurance agents that you can choose from. Auto insurance agents are considered either independent (non-exclusive) or exclusive. Both write auto insurance policies, but it is a good idea to know how they are different because it can influence buying decisions.

Exclusive Agents

Agents that elect to be exclusive can only provide one company’s prices such as American Family, State Farm, and AAA. They usually cannot compare rates from other companies so they have no alternatives for high prices. They are highly trained on the products they sell which helps them sell insurance even at higher premiums. A lot of people use the same exclusive agent mainly due to the brand name and the convenience of having all coverages with one company.

Shown below is a short list of exclusive agencies in Atlanta that are able to give comparison quotes.

• Allstate Insurance: Enrico Lewis
  777 Cleveland Ave SW Ste 104 – Atlanta, GA 30315 – (404) 761-9556 – View Map
• State Farm: Dave Simpson Jr
  2240 Fairburn Rd SW – Atlanta, GA 30331 – (404) 344-9777 – View Map
• Valerie Primas – State Farm Insurance Agent
  2798 Lakewood Ave SW a – Atlanta, GA 30315 – (404) 209-1225 – View Map

More insurance agents

Independent Auto Insurance Agencies

Independent agencies often have many company appointments so they can insure your vehicles amongst many companies and help determine which has the cheapest rates. If they find a lower price, your agent can switch companies and you stay with the same agent. If you are comparing rate quotes, you definitely need to compare prices from at least one independent agent to have the most options to choose from. They often place coverage with mutual insurance companies which can save you money.

Below are Atlanta independent insurance agents that are able to give rate quotes.

• Mack Insurance Agency, Inc.
  530 Joseph E Lowery Blvd SW A – Atlanta, GA 30310 – (470) 771-3398 – View Map
• Nationwide Insurance: Kevin Thompson Agency
  216 14th St NW #8 – Atlanta, GA 30318 – (470) 355-1973 – View Map
• Snellings Walters Insurance Agency
  1117 Perimeter Center W – Atlanta, GA 30338 – (770) 396-9600 – View Map

More insurance agents

Insurance does more than just protect your car

Despite the fact that insurance is not cheap in Atlanta, paying for insurance is a good idea for several reasons.

First, most states have mandatory liability insurance requirements which means you are required to carry a specific level of liability insurance in order to drive the car legally. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you bought your car with a loan, almost every bank will stipulate that you have physical damage coverage to guarantee loan repayment. If you default on your policy, the bank will be required to insure your Toyota for a lot more money and require you to pay the higher premium.

Third, insurance protects both your assets and your Toyota. Insurance will pay for all forms of medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, will also pay to defend you if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, your policy will pay to repair the damage.

The benefits of insuring your Land Cruiser greatly outweigh the cost, particularly for liability claims. According to a survey of 1,000 drivers, the average driver is wasting up to $865 each year so you should quote your policy with other companies every year to help ensure money is not being wasted.

In Summary

Drivers switch companies for a variety of reasons including poor customer service, delays in paying claims, an unsatisfactory settlement offer and even policy non-renewal. Regardless of your reason for switching companies, choosing a new insurance company is easier than you think.

Lower-priced auto insurance in Atlanta can be found online in addition to many Atlanta insurance agents, and you should be comparing both so you have a total pricing picture. A few companies do not provide internet price quotes and usually these regional carriers work with independent agencies.

We just presented a lot of information how to compare Toyota Land Cruiser insurance premium rates in Atlanta. The key thing to remember is the more you quote Atlanta car insurance, the higher your chance of finding affordable Atlanta car insurance quotes. Consumers could even find that the best premium rates are with a smaller regional carrier.

To read more, take a look at the resources below:

• Insurance losses by make and model (Insurance Institute for Highway Safety)
• Who Has the Cheapest Auto Insurance Rates for Nurses in Atlanta? (FAQ)
• Who Has Cheap Atlanta Auto Insurance for 19 Year Olds? (FAQ)
• What Auto Insurance is Cheapest for a Honda CR-V in Atlanta? (FAQ)
• How Much is Car Insurance for a Toyota Camry in Atlanta? (FAQ)
• What Car Insurance is Cheapest for Drivers Over Age 70 in Atlanta? (FAQ)
• Should I Buy a New or Used Car? (Allstate)
• Anti-Lock Brake FAQ (iihs.org)
• Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
• Auto Theft Statistics (Insurance Information Institute)