Are you looking for a better way to compare more competitive Toyota FJ Cruiser insurance in Fresno? Feel like you’re a prisoner to an under-performing, overpriced auto insurance policy? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out.
Unthinkable but true, nearly 70% of drivers have purchased from the same company for more than four years, and practically 40% of auto insurance customers have never taken the time to shop around. Many consumers in California could pocket nearly $500 a year just by comparing rates, but they just don’t understand how easy it is to compare rate quotes online.
Popular companies such as State Farm, Farmers Insurance, GEICO and Allstate continually hit you with ads and it is difficult to avoid their marketing magic and effectively compare rates to find the best deal.
If you are paying for car insurance now, you will most likely be able to reduce the price you pay using these methods. Locating the best rates in Fresno is really quite easy. Nevertheless, California vehicle owners can benefit by having an understanding of the methods companies use to sell online and use it to your advantage.
Just keep in mind that quoting more increases the chance that you will find a better price.
The companies shown below provide quotes in Fresno, CA. If multiple companies are listed, we recommend you visit as many as you can in order to get a fair rate comparison.
Toyota FJ Cruiser insurance rate analysis
The coverage table below outlines estimates of insurance costs for Toyota FJ Cruiser models. Learning how rate quotes are calculated can help you make smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FJ Cruiser 2WD | $378 | $544 | $534 | $32 | $160 | $1,648 | $137 |
| FJ Cruiser 4WD | $420 | $544 | $534 | $32 | $160 | $1,690 | $141 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Rate information does not factor in specific Fresno garaging location which can influence coverage prices greatly.
Choosing deductibles
When shopping for auto insurance, a common question is how high should your deductibles be. The following insurance rates may help to illustrate the premium difference of buying low and high policy deductibles. The first rate comparisons uses a $100 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.
| 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 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FJ Cruiser 2WD | $238 | $298 | $442 | $26 | $132 | $1,136 | $95 |
| FJ Cruiser 4WD | $266 | $298 | $442 | $26 | $132 | $1,164 | $97 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Price information does not factor in specific location which can modify rates substantially.
Using the premium rates above, we can conclude that using a $100 deductible costs approximately $41 more each month or $492 for a full year across all Toyota FJ Cruiser models than requesting the higher $1,000 deductible. Since you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 22 months between claims, you would save more money if you choose a higher deductible.
Age, gender, and Toyota FJ Cruiser insurance
The information below shows the comparison of Toyota FJ Cruiser insurance rates for male and female drivers. The rate quotes are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no other discounts are factored in.
Does it make sense to buy full coverage?
The example below compares Toyota FJ Cruiser premium costs when comparing full coverage to liability only. The costs are based on a clean driving record, no claims, $500 deductibles, marital status is single, and no policy discounts are applied.
When to drop comprehensive and collision coverage
There is no definitive formula for dropping full coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost minus the deductible, then you might consider buying liability only.
For example, let’s say your Toyota FJ Cruiser settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $8,000 after paying your policy deductible. If you are currently paying more than $800 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
There are some situations where removing full coverage is not recommended. If you haven’t satisfied your loan, you have to carry full coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should keep full coverage in place.
Here’s why car insurance is not optional
Despite the high cost, insuring your vehicle is not optional due to several reasons.
- Just about all states have minimum mandated liability insurance limits which means state laws require a specific level of liability insurance if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you bought your vehicle with a loan, almost every bank will make it mandatory that you buy full coverage to guarantee payment of the loan. If you let the policy lapse, the bank or lender will purchase a policy for your Toyota at a much higher rate and require you to pay a much higher amount than you were paying before.
- Insurance safeguards not only your Toyota FJ Cruiser but also your assets. Insurance will pay for all forms of medical expenses for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance 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, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.
The benefits of carrying adequate insurance are definitely more than the cost, especially with large liability claims. Today the average American driver overpays more than $700 annually so it’s recommended you shop around at every policy renewal to help ensure money is not being wasted.
How do Insurance Providers Determine Toyota FJ Cruiser Insurance Prices?
Lots of factors are used in the calculation when quoting car insurance. Some are obvious like your driving record, but other criteria are not as apparent like your continuous coverage or how financially stable you are. Part of the insurance buying process is learning the different types of things that are used to determine the price you pay for insurance. When consumers understand what positively or negatively impacts your premiums, this helps enable you to make changes that can help you get big savings.
Do safer cars cost less to insure? – Vehicles with high crash test scores are cheaper to insure. The safest vehicles help reduce the chance of injuries in an accident and lower rates of occupant injuries translates directly to fewer claims and cheaper rates on your policy. If your Toyota FJ Cruiser scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.
Is your vehicle theft-ready? – Purchasing a vehicle with advanced anti-theft systems can get you a discount on your insurance. Theft deterrent systems like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft.
Where you call home factors in – Having an address in less populated areas can save you money when insuring your vehicles. City drivers regularly have more auto accidents and much longer commute distances. Less people means reduced accidents and also fewer theft and vandalism claims.
Stay claim-free and lower premiums – Insurance companies in California give most affordable rates to drivers who are not frequent claim filers. If you are a frequent claim filer, you can look forward to either a policy non-renewal or much higher rates. Insurance coverage is meant to be used in the event of claims that pose a financial burden.
Fast cars cost more to insure – The performance level of the car or truck you are buying insurance for makes a significant difference in your premium level. The lowest premiums are for small economy passenger models, but the final cost of insurance is determined by many other factors.
The data below is based on a single male driver age 30, full coverage with $250 deductibles, and no discounts or violations. It illustrates Toyota FJ Cruiser insurance rates compared to other makes and models that have a range of performance rating factors.
Shop around and save
Low-cost Toyota FJ Cruiser insurance in Fresno can be bought on the web and also from your neighborhood Fresno agents, and you need to price shop both to get a complete price analysis. There are still a few companies who may not provide online rate quotes and these small insurance companies only sell coverage through independent agencies.
Throughout this article, we presented a lot of ways to shop for Toyota FJ Cruiser insurance online. The key concept to understand is the more providers you compare, the better likelihood of getting the cheapest Toyota FJ Cruiser rate quotes. Consumers may even find the lowest rates come from some of the lesser-known companies. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as GEICO and State Farm.
How to save money on Toyota FJ Cruiser insurance in Fresno
If you want to save money, the best way to get cheaper Toyota FJ Cruiser insurance in Fresno is to start comparing rates regularly from different companies who sell auto insurance in California. Rates can be compared by following these guidelines.
- Spend a few minutes and learn about individual coverages and the measures you can take to prevent expensive coverage. Many risk factors that result in higher prices like at-fault accidents, speeding tickets, and a bad credit score can be controlled by making lifestyle changes or driving safer.
- Compare rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from one company like GEICO and Allstate, while independent agents can quote rates from multiple companies.
- Compare the new quotes to your existing policy and determine if cheaper FJ Cruiser coverage is available. If you find a lower rate quote, ensure there is no coverage lapse between policies.
A valuable tip to remember is that you use the same deductibles and limits on every price quote and and to get prices from as many different insurance providers as possible. Doing this provides a fair price comparison and a complete price analysis.
Additional learning opportunities
- Teen Driving and Texting (State Farm)
- Avoiding Deer Collisions (Insurance Information Institute)
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Teen Driving Statistics (iihs.org)