Car Insurance Quotes for a Toyota FJ Cruiser in Long Beach

Insurance for Toyota FJ CruiserThe most effective way to get more affordable Toyota FJ Cruiser insurance in Long Beach is to do a yearly price comparison from companies who sell insurance in California.

  1. Take a few minutes and learn about car insurance and the measures you can take to prevent high rates. Many factors that are responsible for high rates like at-fault accidents and a poor credit score can be rectified by being financially responsible and driving safely. This article gives additional tips to lower rates and find overlooked discounts.
  2. Get rate quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like GEICO and Allstate, while agents who are independent can quote rates from multiple insurance companies.
  3. Compare the price quotes to the premium of your current policy and determine if cheaper FJ Cruiser coverage is available in Long Beach. If you find a lower rate and buy the policy, make sure coverage does not lapse between policies.

The most important part of shopping around is to compare similar limits and deductibles on every price quote and to quote with as many different companies as possible. Doing this ensures the most accurate price comparison and the best rate selection.

It’s a fact that insurance companies don’t want policyholders to compare prices from other companies. Insureds who compare price quotes are highly likely to switch companies because they have a good chance of finding a policy with more affordable rates. A study showed that drivers who regularly compared rates saved as much as $865 annually compared to other drivers who never shopped around for lower prices.

If finding the lowest price for Toyota FJ Cruiser insurance in Long Beach is why you’re reading this, then having some knowledge of the best way to quote and compare car insurance can make it easier to find better rates.

Just keep in mind that getting more free quotes helps locate more affordable rates.

The following companies offer price quotes in Long Beach, CA. To locate the best auto insurance in Long Beach, CA, we suggest you visit several of them to get a more complete price comparison.

Lower rates by qualifying for these nine discounts

Some companies don’t necessarily list all their discounts very clearly, so here is a list a few of the more well known and the more hidden credits that you can use to lower your rates. If you do not check that you are getting every discount you qualify for, you’re paying more than you need to.Cheaper insurance with discounts

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the whole policy. Some only apply to the cost of specific coverages such as liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, nobody gets a free ride.

The example below illustrates the difference between Toyota FJ Cruiser premium costs with and without policy discounts. The data assumes a female driver, no claims, a clean driving record, 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 multi-policy, homeowner, marriage, claim-free, safe-driver, and multi-car discounts applied.

Companies and some of the discounts can be found below.

If you want inexpensive Long Beach auto insurance quotes, ask each insurance company to give you their best rates. Some discounts may not apply in Long Beach.

Toyota FJ Cruiser coverage statistics

The information shown below showcases different policy rates for Toyota FJ Cruiser models. Learning how insurance quotes are formulated can aid in making smart choices when purchasing an insurance policy.

Toyota FJ Cruiser Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
FJ Cruiser 2WD $300 $402 $424 $26 $126 $1,278 $107
FJ Cruiser 4WD $334 $402 $424 $26 $126 $1,312 $109
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Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Price information does not factor in vehicle location which can increase or decrease price quotes significantly.

Comparison of policy deductibles

When comparing insurance rates, the most common question is where to set your physical damage deductibles. The premium rates below help summarize the price difference between low and high policy deductibles. The first data set uses a $100 comprehensive and collision deductible and the second price chart uses a $500 deductible.

Toyota FJ Cruiser insurance 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 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 based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Price information does not factor in your specific Long Beach location which can revise insurance rates greatly.

Using the data above, we can ascertain that using a $100 deductible will cost in the ballpark of $27 more each month or $324 annually across all Toyota FJ Cruiser models than choosing the higher $500 deductible. Because you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you average at a minimum 15 months between claims, you would probably save some money by selecting a higher deductible. Here’s a better example of how you can make your own decision.

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 big caveat is that raising deductibles to get cheaper rates means you will have to pay more out-of-pocket when you have a physical damage claim. You need to have enough disposable savings in the event you need to pay the higher deductible.

The chart below illustrates how your deductible choice and can increase or decrease Toyota FJ Cruiser insurance premiums for different age groups. The rates are based on a married male driver, comprehensive and collision coverage, and no discounts are applied.

Insurance premiums for males and females

The chart below illustrates the difference between Toyota FJ Cruiser insurance costs for male and female drivers. Data assumes no claims, a clean driving record, comp and collision included, $500 deductibles, single marital status, and no discounts are factored in.

Toyota FJ Cruiser liability rates compared to full coverage

The illustration below illustrates the comparison of Toyota FJ Cruiser insurance costs with liability coverage only compared to full coverage. The premiums assume a clean driving record, no at-fault accidents, $1,000 deductibles, drivers are single, and no policy discounts are applied.

When to eliminate full coverage

There is no written rule of when to drop physical damage coverage, but there is a general school of thought. If the annual cost of having full coverage is more than around 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.

For example, let’s assume your Toyota FJ Cruiser replacement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $5,000 after paying your policy deductible. If it’s costing you more than $500 annually to have full coverage, then you may need to consider dropping full coverage.

There are some cases where eliminating full coverage is not in your best interest. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not buy liability only.