Auto Insurance Rates for a Toyota FJ Cruiser in Irvine

Did a good deal turn out to be high-priced Toyota FJ Cruiser insurance in Irvine? Believe me when I say many Irvine consumers feel financially strained by their car insurance policy.

It’s an obvious statement that car insurance companies don’t want you to compare rates. People who shop around for cheaper price quotes will presumably buy a different policy because there is a good chance of finding a lower rate. A survey found that drivers who routinely shopped around saved approximately $860 a year compared to drivers who never compared prices.

If finding the lowest rates on auto insurance in Irvine is the reason you’re here, then learning a little about how to shop for coverages can make shopping around easier.

How to find cheaper quotes for Toyota FJ Cruiser insurance in Irvine

The preferred way to find cheaper prices for Toyota FJ Cruiser insurance in Irvine is to start comparing rates regularly from insurance carriers in California.

Step 1: Get an understanding of individual coverages and the factors you can control to drop your rates. Many risk factors that result in higher prices such as multiple speeding tickets and an imperfect credit rating can be controlled by being financially responsible and driving safely.

Step 2: Request price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from a single company like GEICO or Allstate, while independent agencies can quote prices from multiple companies. View companies

Step 3: Compare the new rate quotes to your current policy to see if cheaper FJ Cruiser coverage is available. If you find a better price and change companies, make sure there is no coverage gap between policies.

One tip to remember is to make sure you enter the same liability limits and deductibles on each quote and and to get quotes from as many carriers as you can. Doing this helps ensure the most accurate price comparison and and a good selection of different prices.

Insurance companies such as State Farm, Allstate, GEICO and Progressive persitently shower you with advertising and consumers find it hard to see past the corporate glitz and do the work needed to find the best deal.

Companies offering competitive Toyota FJ Cruiser prices in Irvine, CA

The companies shown below offer price comparisons in Irvine, CA. If multiple companies are listed, we recommend you compare several of them in order to find the lowest rates.

Toyota FJ Cruiser coverage statistics

The data table shown below outlines different insurance premium costs for Toyota FJ Cruiser models. Learning as much as possible about how policy rates are figured can assist in making smart choices when comparing insurance rates.

Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Estimates do not factor in specific zip code location which can modify coverage prices noticeably.

Where to set your deductibles

One frequently asked question is where should you set your physical damage deductibles. The figures shown below illustrate the price difference when you choose different policy deductibles. The first data table uses a $250 deductible for comp and collision and the second set of prices uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Premium costs do not factor in garaging location in Irvine which can modify auto insurance rates substantially.

Based on the above data, using a $250 deductible would cost the average driver about $30 more each month or $360 annually averaged for all FJ Cruiser models than buying the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 25 months between claims, you would come out ahead by selecting a higher deductible.

The diagram below demonstrates how deductible levels and can raise or lower Toyota FJ Cruiser insurance premiums for different age groups. The premiums are based on a single female driver, full coverage, and no policy discounts are applied.

Full coverage rates vs. liability-only in Irvine

The example below shows the comparison of Toyota FJ Cruiser car insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums assume no tickets, no at-fault accidents, $500 deductibles, single status, and no discounts are factored in.

When to drop comprehensive and collision coverage

There isn’t a steadfast formula that is best for determining when to drop physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is more than about 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let’s assume your Toyota FJ Cruiser book value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $5,000 after paying your deductible. If you are paying over $500 annually for physical damage coverage, then it may be the right time to buy liability only.

There are some scenarios where removing full coverage is not advised. If you haven’t paid off your loan, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

The Toyota FJ Cruiser Insurance Premium Equation

Multiple criteria are used in the calculation when you get a price on insurance. Some of the criteria are obvious such as your driving history, although some other factors are not as apparent like your continuous coverage and annual miles driven.

The following are a partial list of the pieces used by your company to calculate your premiums.

Men tend to take more risk – Over the last 30 years, statistics show women are more cautious behind the wheel. The data does not necessarily mean that women are BETTER drivers than men. Both genders cause at-fault accidents in similar numbers, but males get into accidents with more damage. Men also statistically get higher numbers of serious violations like driving under the influence (DUI).

The information below shows the difference between Toyota FJ Cruiser auto insurance rates for male and female drivers. The data assumes no claims, a clean driving record, full coverage, $100 deductibles, single status, and no additional discounts are factored in.

Why do you need liability protection? – Liability coverage is the coverage that protects you if you are responsible for an accident. Your liability coverage provides you with a defense in court starting from day one. It is affordable coverage compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.

Combine home and auto and save – Lots of insurers apply lower prices to buyers that have more than one policy in the form of a multi-policy discount. The amount of the discounts can be ten percent or more. Even if you qualify for this discount already, drivers will still want to comparison shop to guarantee you are still saving the most. You may still be able to save even more even if you have your coverage with different companies

Youthful drivers cost more – Teenage drivers in California have been known to be less responsible when at the wheel of a vehicle and because of this, their car insurance rates are much higher. Adding a inexperienced driver to your policy can cause a big jump in price. Older insureds are more responsible, file fewer claims, and are safer drivers.

The chart below uses these assumptions: single driver, full coverage with $500 deductibles, and no discounts or violations.

More performance means higher rates – The make and model of the car, truck or SUV you are trying to find cheaper insurance for makes a significant difference in your car insurance bill. The lowest rates are for smaller low performance passenger vehicles, but the final cost of insurance is determined by many other factors.

The following chart is based on a single male driver age 50, full coverage with $500 deductibles, and no discounts or violations. It compares Toyota FJ Cruiser insurance premiums compared to other vehicles that have different performance risks.

Get affordable rates by taking advantage of discounts

Some insurance providers do not list every discount available very well, so here is a list some of the more common and the harder-to-find credits that you can use to lower your rates.

• Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class in school.
• Renewal Discounts – A few larger companies give discounts for switching companies prior to your current FJ Cruiser insurance policy expiration. This can save 10% or more.
• Accident Waiver – This one isn’t a discount, but some insurance companies may permit one accident before your rates go up if you have no claims for a certain period of time.
• Home Ownership Discount – Just owning your own home can earn you a little savings since home ownership requires personal responsibility.
• More Vehicles More Savings – Purchasing coverage when you have multiple vehicles with one company can get a discount for every vehicle.

Drivers should understand that most discounts do not apply to the whole policy. Some only reduce the price of certain insurance coverages like comp or med pay. So even though it sounds like you can get free auto insurance, nobody gets a free ride.

The example below illustrates the difference between Toyota FJ Cruiser auto insurance costs with and without discounts. The data is based on a female driver, no claims or driving citations, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, claim-free, safe-driver, multi-policy, and multi-car discounts applied.

Popular car insurance companies and some of the discounts are shown below.

• State Farm discounts include accident-free, defensive driving training, Drive Safe & Save, multiple policy, and Steer Clear safe driver discount.
• Esurance may offer discounts for online shopper, DriveSense, Pac-12 alumni, paid-in-full, and claim free.
• Progressive policyholders can earn discounts including good student, online signing, continuous coverage, multi-vehicle, homeowner, multi-policy, and online quote discount.
• Liberty Mutual offers discounts including preferred payment discount, good student, new graduate, newly retired, and hybrid vehicle.
• Auto-Owners Insurance has discounts for multiple vehicles, paid in full, anti-theft, paperless, group or association, and air bags.
• GEICO may have discounts that include multi-policy, membership and employees, air bags, multi-vehicle, driver training, and anti-theft.

Double check with every prospective company which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered on policies everywhere. To see a list of car insurance companies with the best discounts in California, click here.

Insurance agents can find coverage gaps

Some consumers still like to have an agent’s advice and that is a smart decision The biggest benefit of price shopping on the web is that drivers can save money and get lower rates and still have an agent to talk to.

To find an agent, once you fill out this quick form, your coverage information is submitted to participating agents in Irvine that give free quotes for your insurance coverage. It’s much easier because you don’t need to search for any insurance agencies due to the fact that quote results will go to the email address you provide. You can most likely find cheaper rates AND an agent nearby. If for some reason you want to get a comparison quote from a particular provider, just navigate to their website and fill out the quote form the provide.

Choosing the best provider should depend on more than just the bottom line cost. Here are some questions to ask:

• Do they review policy coverages at every renewal?
• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• Is assistance available after office hours?
• Do they carry Errors and Omissions coverage?
• Do you work with a CSR or direct with the agent?

If you’re trying to find a reliable agent, it helps to know the two types of insurance agents and how they can quote your rates. Agencies in Irvine can be classified as either independent agents or exclusive agents.

Exclusive Insurance Agencies

Exclusive insurance agents can only write with one company and some examples include State Farm, AAA, and Liberty Mutual. Exclusive agents are unable to provide prices from multiple companies so you might not find the best rates. Exclusive agencies are usually well trained on sales techniques and that allows them to sell at a higher price point.

Below is a list of exclusive agencies in Irvine willing to provide comparison quotes.

View more agents

Independent Agencies or Brokers

These agents are not restricted to one company and that enables them to quote your coverage through many companies depending on which coverage is best. If you are not satisfied with one company, your agent can just switch to a different company and you don’t have to find a new agent.

When comparing rates, it’s recommended you get insurance quotes from a few independent agents to have the most options to choose from.

Shown below is a short list of independent agencies in Irvine that are able to give price quote information.

View more agents

Upon getting good answers and locked in a price quote, it’s a good possibility that you have found an auto insurance agent that is a good match to insure your vehicles. Just keep in mind you are entitled to cancel your policy whenever you wish so don’t assume you’re contractually obligated to any specific agency indefinitely.

More comparisons equals cheap rates

When searching for low cost Irvine car insurance quotes, you should never buy less coverage just to save a little money. There have been many cases where an insured cut collision coverage only to regret that it was a big mistake. Your focus should be to get the best coverage possible at the lowest possible cost.

More affordable auto insurance in Irvine is available online as well as from insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance companies may not have the ability to get quotes online and these smaller providers sell through independent insurance agents.

Steps to finding cheaper quotes for Toyota FJ Cruiser insurance in Irvine

If your goal is the lowest price, then the best way to get discount Toyota FJ Cruiser insurance in Irvine is to begin comparing prices regularly from providers in California. Price quotes can be compared by following these guidelines.

• Step 1: Get a basic knowledge of how your policy works and the modifications you can make to keep rates down. Many factors that drive up the price like accidents, traffic violations, and a negative credit score can be eliminated by improving your driving habits or financial responsibility.
• Step 2: Get rate quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can provide rates from a single company like GEICO and Allstate, while independent agents can quote prices for a wide range of insurance providers. Start a quote
• Step 3: Compare the price quotes to your existing coverage to determine if switching companies saves money. If you find a lower rate quote and buy the policy, verify that coverage does not lapse between policies.

The key thing to know about shopping around is to try to use identical limits and deductibles on every price quote and and to get prices from as many carriers as you can. Doing this ensures a level playing field and the best price selection.

Helpful learning opportunities

• Think You’re a Safe Driver? (State Farm)
• What Insurance is Cheapest for Uber Drivers in Irvine? (FAQ)
• How Much are Auto Insurance Rates for a Hyundai Elantra in Irvine? (FAQ)
• How Much are Auto Insurance Quotes for Drivers Requiring a SR22 in Irvine? (FAQ)
• Who Has Affordable Irvine Car Insurance Quotes for Drivers Under 21? (FAQ)
• Auto Crash Statistics (Insurance Information Institute)
• Protect Yourself Against Auto Theft (Insurance Information Institute)