It’s hard to believe, but over 70% of consumers have stayed with the same insurance company for four years or more, and 38% of customers have never taken the time to shop around. Consumers in Arizona could pocket 50% a year by just shopping around, but they just don’t understand how easy it is to find lower-cost insurance by shopping around.
If saving the most money is your goal, then the best way to get cheaper Toyota Land Cruiser insurance in Chandler is to regularly compare prices from insurers that sell auto insurance in Arizona. Rate comparisons can be done by completing these steps.
First, read about how your policy works and the modifications you can make to prevent expensive coverage. Many risk factors that cause high rates such as tickets, at-fault accidents, and poor credit history can be amended by making minor changes in your lifestyle. Later in this article we will cover the details to find cheap rates and find additional discounts.
Second, compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like Progressive or Allstate, while independent agencies can quote prices from multiple insurance companies. View insurance agents
Third, compare the new rate quotes to your current policy premium and determine if cheaper Land Cruiser coverage is available in Chandler. If you find a better price and buy the policy, ensure there is no coverage lapse between policies.
Fourth, provide written notification to your current company to cancel your existing policy. Submit payment and a signed application to the new insurer. As soon as you have the new policy, keep the new proof of insurance paperwork along with your vehicle registration.
An important bit of advice to remember is to use similar coverage information on each quote and and to get price quotes from all possible companies. This enables a fair price comparison and the best price selection.
Best companies for affordable Toyota Land Cruiser insurance in Arizona
The following companies offer free quotes in Arizona. If you want cheap auto insurance in Chandler, AZ, it’s highly recommended you visit several of them in order to find the cheapest rates.
Rates and statistics
The coverage table displayed next outlines estimates of policy rates for Toyota Land Cruiser models. Being able to understand how policy premiums are calculated can assist in making decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Land Cruiser | $240 | $464 | $404 | $24 | $122 | $1,254 | $105 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Estimates do not factor in specific Chandler garaging location which can affect price quotes considerably.
Deductible comparison
One of the hardest decisions when shopping for auto insurance is how high should the deductibles for physical damage be. The comparison tables below illustrate the price difference when you buy lower versus higher physical damage coverage deductibles. The first set of prices uses a $100 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Land Cruiser | $390 | $716 | $300 | $18 | $90 | $1,539 | $128 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Land Cruiser | $216 | $376 | $300 | $18 | $90 | $1,000 | $83 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Rate quotes do not factor in specific Chandler garaging location which can affect prices greatly.
Based on the figures above, using a $100 deductible costs roughly $45 more each month or $540 annually than selecting the higher $1,000 deductible. Because you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at a minimum 20 months between claim filings, you would save more money if you choose the higher deductible.
Driving violations and accidents
The diagram below shows how speeding tickets and at-fault collisions can influence Toyota Land Cruiser premium costs for different insured age categories. The rates are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.
Price comparison of only insuring for liability
The illustration below shows the comparison of Toyota Land Cruiser insurance costs with full physical damage coverage and with liability coverage only. The premiums are based on no tickets, no at-fault accidents, $100 deductibles, drivers are not married, and no discounts are taken into consideration.
When to drop comprehensive and collision
There is no set rule for excluding comprehensive and collision coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
For example, let’s assume your Toyota Land Cruiser settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $4,000 after you pay the deductible. If you are paying over $400 annually to have full coverage, then you might consider buying liability only.
There are some situations where buying only liability insurance is not a good plan. If you still have a lienholder on your title, you are required to maintain full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should keep full coverage.
Cheaper rates with discounts
Car insurance is not an enjoyable expense, but there could be available discounts that can drop the cost substantially. Most are applied when you purchase, but some may not be applied and must be specifically requested before you will receive the discount.
- Professional Memberships – Participating in specific professional or occupational memberships or organizations may earn a discount when getting a Chandler auto insurance quote.
- Driver Training Discounts – Completing a course teaching driver safety skills could cut 5% off your bill if your company offers it.
- Distant Student – Any of your kids living away from Chandler attending college without a vehicle on campus could qualify for this discount.
- Military Deployment Discount – Being on active duty in the military may qualify for rate reductions.
- Paperwork-free – Many companies will give you a small discount simply for signing online.
- Buy New and Save – Putting insurance on a new Land Cruiser can save you some money due to better safety requirements for new vehicles.
Consumers should know that most discounts do not apply to the entire policy premium. Some only reduce individual premiums such as collision or personal injury protection. Just because it seems like you can get free auto insurance, that’s just not realistic.
The example below shows the comparison of Toyota Land Cruiser insurance prices with and without discounts applied to the premium. The price estimates are based on a female driver, no violations or accidents, Arizona state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-policy, marriage, multi-car, and homeowner discounts applied.
A few of the larger companies and a partial list of their discounts are detailed below.
- Farm Bureau has savings for multi-policy, driver training, renewal discount, youthful driver, multi-vehicle, good student, and safe driver.
- State Farm has discounts for driver’s education, multiple autos, student away at school, Steer Clear safe driver discount, multiple policy, anti-theft, and Drive Safe & Save.
- Progressive policyholders can earn discounts including good student, online quote discount, homeowner, multi-vehicle, continuous coverage, multi-policy, and online signing.
- Allstate includes discounts for good payer, anti-lock brakes, utility vehicle, defensive driver, anti-theft, and economy car.
- Nationwide may have discounts that include Farm Bureau membership, easy pay, multi-policy, business or organization, good student, anti-theft, and accident-free.
- MetLife discounts include defensive driver, claim-free, good driver, multi-policy, accident-free, good student
When quoting, ask each insurance company which discounts you qualify for. Some credits might not be available to policyholders in every state. To choose companies that offer discounts in Chandler, click this link.
Buying from car insurance agents
A small number of people just want to have an agent’s advice and we recommend doing that Licensed agents can help you build your policy and will help you if you have claims. One of the best bonuses of comparing rates online is that you can obtain cheap auto insurance quotes and also buy local. Putting coverage with neighborhood insurance agencies is still important in Chandler.
To find an agent, once you fill out this form (opens in new window), your insurance coverage information gets sent to local insurance agents in Chandler who want to provide quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to find an agent on your own because quoted prices will be sent to your email. If you wish to quote rates from a specific auto insurance provider, you would need to visit that company’s website and complete a quote there.
Shown below is a short list of insurers in Chandler that can give you comparison quotes for Toyota Land Cruiser insurance in Chandler.
- Allstate Insurance: Robert Gallego
3175 S Price Rd Ste 142 – Chandler, AZ 85248 – (480) 820-0808 – View Map - Legacy Insurance and Investment Group LLC
633 E Ray Rd #106 – Chandler, AZ 85225 – (480) 968-3655 – View Map - Jason Earl – State Farm Insurance Agent
3120 S Gilbert Rd #4 – Chandler, AZ 85286 – (480) 895-2040 – View Map - Farmers Insurance – Larry Little
2420 W Ray Rd #2 – Chandler, AZ 85224 – (480) 966-9449 – View Map
Choosing the best insurance company needs to be determined by more than just a low price. The following questions are important to ask.
- If you have an accident, will your rates go up?
- Are they actively involved in the community?
- How much training do they have in personal risk management?
- Did they already check your driving record and credit reports?
- Can you choose the body shop in case repairs are needed?
- What discounts might you be missing?
- Are they able to influence company decisions when a claim is filed?
- How much will you save each year by using a higher deductible?
If you receive good answers and locked in a price quote, you may have just found an provider that can insure your vehicles.
Cheap insurance premiums are out there
When getting Chandler auto insurance quotes online, it’s very important that you do not buy poor coverage just to save money. In many cases, someone sacrificed comprehensive coverage or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase a proper amount of coverage at the best cost.
Throughout this article, we presented a lot of information how to compare Toyota Land Cruiser insurance car insurance rates in Chandler. The key concept to understand is the more times you quote, the better your chances of lowering your premium rates. Consumers may even find the best price on insurance is with the least-expected company.
Consumers who switch companies do it for many reasons like being labeled a high risk driver, not issuing a premium refund, delays in responding to claim requests or even delays in paying claims. It doesn’t matter what your reason, choosing a new insurance company can be easier than you think.
Additional learning opportunities
- Liability Insurance Coverage (Nationwide)
- Who Has Affordable Chandler Car Insurance Quotes for Retired Military? (FAQ)
- What Car Insurance is Cheapest for a Dodge Ram in Chandler? (FAQ)
- Who Has the Cheapest Chandler Auto Insurance for a Company Car? (FAQ)
- How Much is Auto Insurance for Active Military in Chandler? (FAQ)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Event Data Recorders FAQ (iihs.org)