Toyota FJ Cruiser Insurance Quotes in Riverside

It takes a few minutes, but the best way to get more affordable Toyota FJ Cruiser insurance in Riverside is to start doing an annual price comparison from companies in California. You can shop around by following these guidelines.

An essential thing to point out is that you’ll want to compare identical coverages on every quote request and and to get rate quotes from every company you can. Doing this ensures an apples-to-apples comparison and the most accurate and complete price analysis.

Discount Toyota FJ Cruiser insuranceA recent auto insurance study discovered that a large majority of drivers kept their policy with the same company for well over three years, and approximately 40% of consumers have never shopped around. Many consumers in California could save up to 35% each year just by shopping around, but most just don’t grasp the large savings they would see if they bought a different policy.

This article will let you in on the best way to buy inexpensive auto insurance. If you have coverage now, you will be able to lower your rates using this information. Smart shoppers just need to learn the best way to buy auto insurance from many different companies online.

Auto insurance providers offering cheap rates in California

The companies in the list below are ready to provide free rate quotes in Riverside, CA. If multiple companies are shown, it’s a good idea that you visit two to three different companies to get the best price comparison.

Rates and data analysis

The premium table shown below covers detailed analysis of insurance premium costs for Toyota FJ Cruiser models. Knowing how rate quotes are formulated is important for drivers to make informed purchases.

Toyota FJ Cruiser Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
FJ Cruiser 2WD $270 $374 $464 $28 $138 $1,274 $106
FJ Cruiser 4WD $300 $374 $464 $28 $138 $1,304 $109
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Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Rate information does not factor in vehicle garaging location which can decrease or increase prices noticeably.

Higher deductibles save money

When buying auto insurance, a common question is how high should your deductibles be. The comparisons below may help to illustrate the price difference when you select higher and lower physical damage deductibles. The first price estimate table uses a $100 deductible for physical damage and the second pricing table uses a $500 deductible.

Toyota FJ Cruiser insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
FJ Cruiser 2WD $430 $564 $442 $26 $132 $1,619 $135
FJ Cruiser 4WD $478 $564 $442 $26 $132 $1,667 $139
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Toyota FJ Cruiser insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
FJ Cruiser 2WD $314 $382 $442 $26 $132 $1,296 $108
FJ Cruiser 4WD $348 $382 $442 $26 $132 $1,330 $111
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Rate information does not factor in your specific Riverside location which can impact auto insurance rates noticeably.

Based on the figures above, using a $100 deductible could cost the average driver approximately $27 more each month or $324 for a full year averaged for all FJ Cruiser models than opting for the higher $500 deductible. Because you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you go more than 15 months between claim filings, you would save more money by going with a higher deductible. Here’s an example of how this decision is made.

Average monthly premium for $100 deductibles: $137
Average monthly premium for $500 deductibles (subtract): – $110
Monthly savings from raising deductible: $27
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $27
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

One important caveat is that raising deductibles means you will have to pay more out-of-pocket when you have a comprehensive or collision claim. You need to have some savings in the bank in order to pay the deductible for vehicle repair.

Premiums by gender and age

The chart below illustrates the comparison of Toyota FJ Cruiser car insurance costs for male and female drivers. The costs are based on no violations or accidents, full coverage, $250 deductibles, single marital status, and no discounts are applied to the premium.

Full coverage versus liability-only in Riverside

The information below shows the comparison of Toyota FJ Cruiser annual premium costs with and without physical damage coverage. The rates are based on no violations or claims, $250 deductibles, marital status is single, and no other discounts are factored in.

When to drop comprehensive and collision

There is no exact rule that is best for determining when to drop physical damage insurance, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

For example, let’s assume your Toyota FJ Cruiser claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $7,000 after the policy deductible has been paid. If it’s costing you more than $700 a year for physical damage coverage, then it might be time to buy liability only.

There are some situations where eliminating full coverage is not financially feasible. If you haven’t paid off your loan, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not buy liability only.

Save Money with These Tips

The best way to find cheaper car insurance is to take a look at the factors that help calculate your premiums. If you know what determines premiums, this helps enable you to make changes that could help you find cheaper rates. Lots of factors are considered when you get a price on insurance. Some of the criteria are obvious such as traffic violations, although some other factors are more transparent such as whether you are married or your vehicle rating.

The itemized list below are a partial list of the pieces car insurance companies consider when setting your rates.

These discounts can reduce Toyota FJ Cruiser insurance rates

Car insurance is not inexpensive, but you may be missing some discounts that many consumers don’t even know exist. Larger premium reductions will be automatically applied when you purchase, but a few must be requested specifically in order for you to get them.Discount car insurance

We need to note that many deductions do not apply to the whole policy. A few only apply to individual premiums such as medical payments or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way. But all discounts will help reduce your overall bill.

The chart below illustrates the difference between Toyota FJ Cruiser insurance rates with and without policy discounts. The premiums assume a female driver, a clean driving record, no claims, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, homeowner, multi-policy, safe-driver, and multi-car discounts applied.

To locate companies with discount car insurance rates in Riverside, click here to view.

When to have guidance from a local insurance agent

A small number of people would rather sit down and talk to an agent and doing so can bring peace of mind Licensed agents can help determine the best coverages and help file insurance claims. The biggest benefit of getting online price quotes is the fact that you can find cheaper rates but still work with a licensed agent. Supporting small agencies is important especially in Riverside.

Riverside insurance agentsTo help locate an agent, after submitting this short form, your insurance data is transmitted to agents in your area that provide free Riverside car insurance quotes for your business. You don’t have to contact any agents as quotes are delivered to you. If for some reason you want to get a comparison quote for a specific company, don’t hesitate to jump over to their website and fill out their quote form.

If you’re trying to find a reputable agency, you must know there are a couple different agency structures and how they can write your policy. Insurance agents in Riverside are either exclusive or independent. Either one can insure your vehicles, but it’s important to point out the subtle differences because it can factor into which type of agent you select.

Independent Insurance Agencies

Independent insurance agents are not locked into one company and that allows them to write policies with any number of different companies depending on which coverage is best. To transfer your coverage to a different company, they can switch companies in-house which makes it simple for you. When comparison shopping, it’s recommended you include multiple independent agents so that you have a good selection of quotes to compare.

Featured below are independent agents in Riverside that may be able to give you cheap rate quotes.

6200 Van Buren Boulevard #105Riverside, CA 92503(951) 710-1100View Map

Epstein Insurance Agency
11750 Carly CourtRiverside, CA 92503(951) 687-1012View Map

3595 Van Buren Boulevard #201Riverside, CA 92503(951) 687-9152View Map

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Exclusive Insurance Agencies

Exclusive agencies can only quote rates from one company and examples are Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot provide rate quotes from other companies so you might not find the best rates. They are highly trained on their company’s products which helps them sell insurance even at higher premiums.

Below are Riverside exclusive insurance agencies that can give you price quotes.

2711 Canyon Springs Parkway, Suite A-104Riverside, CA 92507(951) 786-9477View Map

10452 Magnolia AveRiverside, CA 92505(951) 688-8206View Map

Jean Sullivan – State Farm Insurance Agent
6511 Brockton AveRiverside, CA 92506(951) 683-3131View Map

View more Riverside agents

Deciding on an car insurance agent is decision based upon more than just the premium amount. A good agent in Riverside will have answers to these questions.

Riverside auto insurance companies

Selecting a good quality company can be challenging considering how many companies there are to choose from in California. The information displayed below may help you select which car insurance companies to look at when comparing rates.

Best Auto Insurance Companies in California
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

What is the best auto insurance coverage?

Always keep in mind that when comparing coverage, there is no “perfect” insurance plan. Everyone’s situation is unique.Higher deductibles save money

For example, these questions can help discover if you might need professional guidance.

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

Cheap insurance rates are available

Insureds change insurance companies for many reasons like questionable increases in premium, unfair underwriting practices, policy non-renewal or high prices. Regardless of your reason for switching companies, finding a new insurance company can be easy and end up saving you some money.

When you buy Riverside car insurance online, it’s not a good idea to buy lower coverage limits just to save a few bucks. Too many times, someone dropped comprehensive coverage or liability limits and learned later that it was a big mistake. The goal is to find the BEST coverage at the best cost, but do not skimp to save money.

We just showed you many tips how you can shop for Toyota FJ Cruiser insurance online. The key concept to understand is the more you quote Riverside car insurance, the higher the chance of saving money. Consumers may even find the biggest savings come from a lesser-known regional company.

Much more information about insurance in California is located at these links: