Looking for lower-priced Toyota FJ Cruiser insurance in San Antonio? Paying for high-priced Toyota FJ Cruiser insurance in San Antonio can sap your checking account and put a big crunch on your finances. Doing a rate comparison is free and is an excellent way to slash your bill and have more diposable income.
It’s safe to conclude that insurance companies don’t want policyholders to compare prices from other companies. Drivers who get comparison quotes at least once a year are very likely to switch car insurance companies because they stand a good chance of finding a policy with more affordable rates. A recent survey revealed that people who compared rates annually saved about $865 a year compared to policyholders who never shopped around.
If finding the cheapest rates on insurance in San Antonio is the reason for your visit, then understanding the best way to compare insurance can make the process more efficient.
Many insurers vie for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the best rate on Toyota FJ Cruiser insurance in San Antonio.
It’s a good idea to compare premium rates quite often because prices are usually higher with each renewal. Even if you got the best deal on Toyota FJ Cruiser insurance in San Antonio six months ago other companies may now be cheaper. Forget all the misinformation about car insurance because you’re going to learn the tricks you need to know to save on car insurance.
The Toyota FJ Cruiser Insurance Rate Equation
Many factors are used in the calculation when premium rates are determined. A few of the factors are predictable like an MVR report, but other criteria are more obscure such as whether you are married or your vehicle rating.
Policy add-ons may be wasting money – Insurance companies have many extra add-on coverages you can purchase if you aren’t careful. Coverages for vanishing deductibles, towing, and extra equipment coverage are probably not needed. They may sound like good ideas when buying your policy, but if you don’t need them remove them and pocket the money.
Car insurance claims cost money – If you tend to file frequent claims, you shouldn’t be surprised to get either a policy non-renewal or much higher rates. Auto insurance companies in Texas award better rates to policyholders who are not frequent claim filers. Your car insurance is meant to be used in the event of more catastrophic claims.
Liability – The liability coverage on your policy provides coverage in the event that you are ruled to be at fault for causing damage or personal injury in an accident. It will provide you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive when compared to the cost of physical damage coverage, so do not cut corners here.
Alarm systems save money – Driving a car with advanced anti-theft systems can help bring down rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop auto theft and help lower rates.
What type of vehicle do you drive? – The type of vehicle you are insuring makes a significant difference in your car insurance bill. The most favorable rates are generally reserved for low performance passenger vehicles, but the final cost of insurance is determined by many other factors.
The chart below is based on a single male driver age 20, full coverage with $100 deductibles, and no discounts or violations. The data compares Toyota FJ Cruiser rates compared to other vehicles that have different performance risks.
Men tend to take more risk – Statistics have proven that women are safer drivers than men. Now that doesn’t mean females are better at driving than males. They both are responsible for fender benders in similar percentages, but the men tend to have more serious accidents. Men also statistically get more serious tickets like reckless driving and DUI.
The diagram below compares Toyota FJ Cruiser car insurance rates for male and female drivers. The data assumes no tickets, no at-fault accidents, comprehensive and collision coverage, $500 deductibles, single status, and no other discounts are factored in.
Miles impacts premiums – The higher the miles on your Toyota in a year’s time the more you’ll pay to insure it. Almost all companies rate vehicles based upon how much you drive. Cars and trucks that do not get driven very much receive better premium rates than cars that get driven a lot. Double check that your car insurance coverage properly reflects how each vehicle is driven, because improper ratings can cost you money. Incorrect rating for your FJ Cruiser may be costing you.
The fastest way that we advise to compare rates for Toyota FJ Cruiser insurance in San Antonio is to know the trick car insurance companies actually pay money for the chance to provide you with a free rate quote. To start a quote, the only thing you need to do is spend a couple of minutes providing details like what you do for a living, if it has an anti-theft system, if you are currently licensed, and how much school you completed. That rating data is instantly sent to multiple auto insurance providers and you will receive price estimates instantly.
To compare multiple company cheap Toyota FJ Cruiser insurance rates now, click here then complete the form.
The following companies are ready to provide free rate quotes in San Antonio, TX. If several companies are displayed, we suggest you visit several of them in order to find the cheapest rates.
Toyota FJ Cruiser insurance charts and tables
The rate information displayed below showcases estimates of insurance rates for Toyota FJ Cruiser models. Knowing how auto insurance premiums are calculated can help customers make smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FJ Cruiser 2WD | $288 | $414 | $366 | $22 | $110 | $1,200 | $100 |
| FJ Cruiser 4WD | $322 | $414 | $366 | $22 | $110 | $1,234 | $103 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Price information does not factor in zip code location which can decrease or increase price quotes substantially.
Where to set your deductibles
One of the most common auto insurance questions is how high or low should comp and collision deductibles be. The comparisons below approximate how much more rates are when you buy lower versus higher deductibles. The first price estimate table uses a $250 deductible for physical damage and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FJ Cruiser 2WD | $332 | $408 | $382 | $22 | $114 | $1,283 | $107 |
| FJ Cruiser 4WD | $370 | $408 | $382 | $22 | $114 | $1,321 | $110 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FJ Cruiser 2WD | $206 | $256 | $382 | $22 | $114 | $980 | $82 |
| FJ Cruiser 4WD | $228 | $256 | $382 | $22 | $114 | $1,002 | $84 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Price information does not factor in zip code location which can raise or lower premium rates considerably.
Using the premium rates above, we can conclude that using a $250 deductible could cost the average driver approximately $26 more each month or $312 annually than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average at a minimum 29 months between claims, you would probably come out ahead if you choose the higher deductible.
How to determine if a higher deductible is a good idea
| Average monthly premium for $250 deductibles: | $109 |
| Average monthly premium for $1,000 deductibles (subtract): | – $83 |
| Monthly savings from raising deductible: | $26 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $26 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 29 months |
Tickets and at-fault accidents raise rates
The illustration below demonstrates how citations and at-fault claims raise Toyota FJ Cruiser insurance costs for each age group. Data assumes a married male driver, full coverage, $250 deductibles, and no policy discounts are applied.
Comparison of full coverage and liability-only policies
The information below shows the comparison of Toyota FJ Cruiser yearly insurance costs with full physical damage coverage and with liability coverage only. The data assumes no claims, a clean driving record, $100 deductibles, single status, and no additional discounts are factored in.
When to drop full coverage
There is no written rule that works best for making the decision to drop comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is about 10% or more of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.
For example, let’s say your Toyota FJ Cruiser settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $2,000 after paying your deductible. If it’s costing in excess of $200 a year for your policy with full coverage, then you might want to think about dropping full coverage.
There are some scenarios where dropping full coverage is not in your best interest. If you still owe a portion of the original loan, you have to keep 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.
Insurance is not optional
Even though San Antonio FJ Cruiser insurance rates can get expensive, maintaining insurance may be required and benefits you in several ways.
First, almost all states have compulsory liability insurance requirements which means you are required to buy a specific level of liability protection in order to be legal. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if your car has a loan, it’s most likely the lender will stipulate that you buy insurance to guarantee loan repayment. If you do not pay your insurance premiums, the bank will be required to insure your Toyota at an extremely high rate and require you to fork over for it.
Third, insurance protects both your assets and your Toyota FJ Cruiser. It will also cover all forms of medical expenses for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, also covers legal expenses if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to repair the damage minus the deductible amount.
The benefits of having insurance definitely exceed the cost, especially if you ever need it. The average driver in Texas overpays as much as $810 a year so compare rates at least once a year to ensure rates are inline.
San Antonio car insurance discounts
Car insurance companies don’t always advertise every available discount very well, so we break down some of the more common and also the lesser-known discounts that you can inquire about if you buy San Antonio auto insurance online.
- Multi-Vehicle Discounts – Insuring multiple cars or trucks on one policy can get a discount on all vehicles.
- Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off the medical payments premium.
- Multiple Policy Discount – When you have multiple policies and place coverage with the same company you could earn a discount of at least 10% off all policies.
- Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to successfully take a driver’s education course in school or through a local driver safety program.
- Senior Citizens – Seniors can get a small discount on rates.
- Discount for Life Insurance – Insurance carriers who offer life insurance give lower car insurance rates if you buy some life insurance too.
- Own a Home and Save – Just owning your own home may trigger a policy discount on car insurance because maintaining a house demonstrates responsibility.
- Early Signing – A few insurance companies give discounts for switching companies before your current FJ Cruiser insurance policy expires. The savings is around 10%.
- Military Discounts – Being on active deployment in the military could trigger a small discount.
Keep in mind that some of the credits will not apply to the whole policy. Some only apply to individual premiums such as medical payments or collision. So even though they make it sound like you could get a free car insurance policy, it just doesn’t work that way.
The chart below visualizes the comparison of Toyota FJ Cruiser insurance rates with and without discounts applied to the premium. The premiums assume a male driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-policy, claim-free, multi-car, and marriage discounts applied.
Insurance companies that may offer quotes with most of the discounts above include:
Before buying, ask all the companies how you can save money. Depending on the company, some discounts may not be offered in San Antonio.
When to have guidance from an agent
A small number of people just prefer to get advice from a local agent. The best thing about comparing insurance prices online is that drivers can save money and get the best rates and still choose a local agent. And buying from local insurance agencies is especially important in San Antonio.
Upon completion of this quick form, your coverage information is transmitted to local insurance agents who will return price quotes for your coverage. There is no need to contact an agency since rate quotes are delivered to you directly. Get lower rates without a big time investment. If you have a need to get a price quote from a specific company, you can always visit that company’s website to submit a rate quote request.
If you’re trying to find a reputable insurance agent or broker, you should know the types of agencies and how they differ in how they quote coverages. Insurance agencies in San Antonio are considered either exclusive or independent (non-exclusive).
Independent Agents (or Brokers)
Agents that elect to be independent are not locked into one company so they can write business with multiple insurance companies depending on which coverage is best. If your premiums go up, an independent agent can move your coverage and that require little work on your part. When searching for an agent, you should always compare prices from several independent agencies for the best price selection.
Featured below are San Antonio independent insurance agents who can help you get rate quotes.
Legion Insurance Agency
5309 Wurzbach Rd – San Antonio, TX 78230 – (210) 693-1501 – View Map
Bapodra Insurance Agency, Inc
8607 Wurzbach Rd #101 – San Antonio, TX 78240 – (210) 696-1133 – View Map
Grona Boles Martin Bloxsom Insurance Agency
800 Isom Rd # 100 – San Antonio, TX 78216 – (210) 366-5094 – View Map
Exclusive Insurance Agencies
Exclusive insurance agents can only place business with one company such as State Farm, Allstate and AAA. Exclusive agents cannot provide rate quotes from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are very knowledgeable on their company’s products which helps them sell insurance even at higher premiums.
Listed below is a list of exclusive agencies in San Antonio that can give you comparison quotes.
GEICO Insurance Agent
8910 Bandera Rd #110 – San Antonio, TX 78250 – (210) 673-2391 – View Map
Rudy Patino – State Farm Insurance Agent
105 Renner Dr – San Antonio, TX 78201 – (210) 732-9219 – View Map
Gary Kennedy – State Farm Insurance Agent
3029 S WW White Rd – San Antonio, TX 78222 – (210) 337-1786 – View Map
Picking an car insurance agent is decision based upon more than just a cheap price quote. Here are some questions you might want to ask.
- Is there a 24/7 contact number?
- Does the quote include credit and driving reports?
- Do they reduce claim amounts on high mileage vehicles?
- If you have an accident, will your rates go up?
- Do they have cheaper tiers of coverage?
More effort can pay off
Lower-priced Toyota FJ Cruiser insurance in San Antonio is definitely available online and also from your neighborhood San Antonio agents, so get free San Antonio auto insurance quotes from both of them to get a complete price analysis. Some companies may not offer online quoting and many times these regional insurance providers provide coverage only through local independent agencies.
As you quote San Antonio auto insurance, it’s very important that you do not skimp on coverage in order to save money. In many instances, someone sacrificed liability limits or collision coverage and found out when filing a claim they didn’t have enough coverage. Your goal should be to purchase a proper amount of coverage at the best possible price, not the least amount of coverage.
More resources
- How to Avoid Staged Accidents (State Farm)
- What Auto Insurance is Cheapest for a Ford Explorer in San Antonio? (FAQ)
- Who Has the Cheapest Car Insurance for a Toyota Camry in San Antonio? (FAQ)
- Who Has Cheap Auto Insurance Quotes for 19 Year Olds in San Antonio? (FAQ)
- Coverage Information (Progressive Insurance)
- Distracted Driving Statistics (Insurance Information Institute)
- What if I Can’t Find Coverage? (Insurance Information Institute)