Shopping for discount Santa Ana Toyota 4Runner insurance quotes on the web might appear rather difficult for people that are not comfortable with quoting and online price comparisons. Because there are so many insurers to choose from, how can people be able to compare every one to find lower auto insurance premiums?
How to buy lower priced Toyota 4Runner insurance in Santa Ana
If you want to save money, the best way to get low-cost auto insurance rates is to compare prices once a year from insurance carriers in Santa Ana.
First, gain an understanding of how insurance companies determine prices and the measures you can control to lower rates. Many rating factors that cause rate increases like careless driving and a less-than-favorable credit score can be rectified by making minor changes in your lifestyle.
Second, compare prices from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like Progressive and State Farm, while agents who are independent can provide price quotes from multiple sources.
Third, compare the new rates to the price on your current policy to determine if switching companies saves money. If you can save money and change companies, ensure coverage does not lapse between policies.
One thing to remember is to use the same physical damage deductibles and liability limits on each quote and and to get rate quotes from as many auto insurance providers as possible. This guarantees an apples-to-apples comparison and the best rate selection.
It's well known that car insurance companies want to keep you from shopping around. Insureds who do rate comparisons will most likely move their business because they stand a good chance of finding a policy with better rates. A recent survey discovered that drivers who regularly compared rates saved on average $70 a month compared to those who never shopped around for better prices.
If finding low prices for auto insurance is your goal, then having some knowledge of how to get free comparison quotes and analyze coverage rates can help you succeed in saving money.
It's smart to get comparison quotes before your next renewal because prices are adjusted regularly by insurance companies. Just because you had the best quotes on Toyota 4Runner insurance in Santa Ana two years ago you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because you're about to find out one of the easiest ways to find great coverage at a great price.
Low Cost Toyota insurance rate quotes in Santa Ana
The auto insurance companies shown below can provide free quotes in California. If multiple providers are shown, we recommend you get rate quotes from several of them in order to find the most competitive rates.
Auto insurance analysis for a Toyota 4Runner
The rate table shown next covers a range of policy rates for Toyota 4Runner models. Understanding more about how insurance prices are calculated can assist in making smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 4Runner Sport 2WD | $264 | $366 | $508 | $30 | $152 | $1,320 | $110 |
| 4Runner SR/5 2WD | $264 | $446 | $508 | $30 | $152 | $1,400 | $117 |
| 4Runner Sport 4WD | $264 | $446 | $508 | $30 | $152 | $1,400 | $117 |
| 4Runner SR/5 4WD | $264 | $446 | $508 | $30 | $152 | $1,400 | $117 |
| 4Runner Trail Edition 4WD | $294 | $524 | $508 | $30 | $152 | $1,508 | $126 |
| 4Runner Limited 2WD | $294 | $524 | $508 | $30 | $152 | $1,508 | $126 |
| 4Runner Limited 4WD | $294 | $524 | $508 | $30 | $152 | $1,508 | $126 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rate information does not factor in specific zip code location which can increase or decrease coverage prices noticeably.
Deductible analysis
The hardest decision when buying coverage is where to set your physical damage deductibles. The comparison tables below lay out the premium difference of buying low and high coverage deductibles. The first pricing table uses a $100 physical damage coverage deductible and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 4Runner Sport 2WD | $430 | $564 | $376 | $22 | $112 | $1,529 | $127 |
| 4Runner SR/5 2WD | $430 | $686 | $376 | $22 | $112 | $1,651 | $138 |
| 4Runner Sport 4WD | $430 | $686 | $376 | $22 | $112 | $1,651 | $138 |
| 4Runner SR/5 4WD | $430 | $686 | $376 | $22 | $112 | $1,651 | $138 |
| 4Runner Trail Edition 4WD | $478 | $810 | $376 | $22 | $112 | $1,823 | $152 |
| 4Runner Limited 2WD | $478 | $810 | $376 | $22 | $112 | $1,823 | $152 |
| 4Runner Limited 4WD | $478 | $810 | $376 | $22 | $112 | $1,823 | $152 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 4Runner Sport 2WD | $314 | $382 | $376 | $22 | $112 | $1,206 | $101 |
| 4Runner SR/5 2WD | $314 | $464 | $376 | $22 | $112 | $1,288 | $107 |
| 4Runner Sport 4WD | $314 | $464 | $376 | $22 | $112 | $1,288 | $107 |
| 4Runner SR/5 4WD | $314 | $464 | $376 | $22 | $112 | $1,288 | $107 |
| 4Runner Trail Edition 4WD | $348 | $546 | $376 | $22 | $112 | $1,404 | $117 |
| 4Runner Limited 2WD | $348 | $546 | $376 | $22 | $112 | $1,404 | $117 |
| 4Runner Limited 4WD | $348 | $546 | $376 | $22 | $112 | $1,404 | $117 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Information does not factor in specific garaging location which can revise rates greatly.
Based on this data, we can arrive at the conclusion that using a $100 deductible costs an average of $32 more each month or $384 each year across all Toyota 4Runner models than opting for the higher $500 deductible. Since you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you usually have at least 13 months between claims, you would more than likely save some money going with the higher deductible.
The information below demonstrates how choosing different deductibles and can affect Toyota 4Runner premium costs for different age groups. The premiums assume a married male driver, full physical damage coverage, and no policy discounts are applied.
Men versus women drivers and insurance cost
The illustration below illustrates the difference between Toyota 4Runner car insurance costs for male and female drivers. The data assumes no accidents, no driving violations, full physical damage coverage, $500 deductibles, single marital status, and no discounts are taken into consideration.
Cost comparison with and without full coverage
The chart below compares Toyota 4Runner insurance costs when comparing full coverage to state minimum liability only. The costs are based on a clean driving record, no at-fault accidents, $1,000 deductibles, drivers are single, and no additional discounts are factored in.
When to stop buying physical damage coverage
There is no written rule that is best for determining when to drop full coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is about 10% or more of the settlement you would receive from your company, then it's probably a good time to buy liability coverage only.
For example, let's assume your Toyota 4Runner claim settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $5,000 after the deductible is paid. If you are paying in excess of $500 a year for your policy with full coverage, then you might want to consider buying only liability coverage.
There are some cases where buying only liability insurance is not a good plan. If you haven't paid off your loan, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should maintain full coverage.
Discounts can help lower premiums on Toyota 4Runner insurance in Santa Ana
Some insurers don't always list every discount very well, so we researched a few of the more well known and the harder-to-find credits that you can use to lower your rates.
- Braking Control Discount - Cars, trucks, and SUVs with ABS braking systems or traction control can avoid accidents and earn discounts up to 10%.
- Early Renewal Discounts - Some larger companies reward drivers for switching policies before your current 4Runner insurance policy expires. Ten percent is about the average savings.
- Bundled Policy Discount - When you have multiple policies with one company you will save at least 10% off all policies.
- More Vehicles More Savings - Having multiple vehicles on one policy may reduce the rate for each vehicle.
- Good Students Pay Less - Getting good grades can earn a discount of 20% or more. This discount can apply up until you turn 25.
- Paperless Signup - Some insurance companies provide a small discount for completing your application on the web.
It's important to note that most discount credits are not given to your bottom line cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. Even though it appears adding up those discounts means a free policy, that's just not realistic. But all discounts will positively reduce your overall premium however.
The diagram below illustrates the difference between Toyota 4Runner insurance costs with and without discounts applied to the policy rates. Data assumes a male driver, no violations or claims, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, safe-driver, multi-policy, multi-car, and marriage discounts applied.
A list of companies and the discounts they provide are shown below.
- Esurance may offer discounts for anti-lock brakes, good driver, emergency road assistance, online shopper, and Switch & Save.
- The Hartford offers premium reductions for driver training, air bag, good student, defensive driver, bundle, and anti-theft.
- AAA has discounts for multi-car, AAA membership discount, anti-theft, good driver, good student, and pay-in-full.
- GEICO includes discounts for emergency military deployment, anti-lock brakes, five-year accident-free, multi-vehicle, good student, and seat belt use.
- State Farm offers discounts for driver's education, Drive Safe & Save, accident-free, student away at school, anti-theft, and good student.
When quoting, ask every company which discounts you qualify for. Some of the earlier mentioned discounts may not be available everywhere.
Do I just need basic coverages?
Always remember that when buying coverage for your vehicles, there really is no cookie cutter policy. Your situation is unique.
For example, these questions might help in determining if you might need professional guidance.
- What is no-fault insurance?
- When can I cancel my policy?
- What does medical payments cover?
- Are combined or split liability limits better?
- Is my nanny covered when transporting my kids?
- Does my Toyota 4Runner qualify for pleasure use?
- What if I total my Toyota 4Runner and owe more than it's worth?
- Is my Toyota 4Runner covered if I use it for business?
If you don't know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.
When to contact an insurance agent
Certain consumers prefer to talk to a local agent and that is not a bad decision The biggest benefit of price shopping on the web is you may find the lowest rates and still choose a local agent. Buying from and supporting local agents is especially important in Santa Ana.
To help locate an agent, after submitting this short form, your insurance coverage information is instantly submitted to companies in Santa Ana who want to provide quotes for your insurance coverage. You won't need to visit any agencies since price quotes are sent immediately to you. You can most likely find cheaper rates AND a local agent. If for some reason you want to compare prices from a specific company, feel free to search and find their rate quote page and fill out their quote form.
If you need to find a reliable insurance agency, you need to know there are two types of agencies and how they can service your needs differently. Agents in Santa Ana may be either independent or exclusive depending on the company they work for.
Independent Agents (or Brokers)
Agents of this type do not sell for just one brand and that is an advantage because they can write policies with multiple insurance companies and find the cheapest auto insurance rates. If premiums increase, they simply switch companies in-house which requires no work on your part.
When shopping rates, we recommend you get insurance quotes from at a minimum one independent agency for the best price selection. Most can insure with additional companies that you may not be familiar with who may have lower rates.
Listed below is a short list of independent agencies in Santa Ana who may be able to give you price quote information.
- Adriana's Insurance Services
2302 S Bristol St A - Santa Ana, CA 92704 - (714) 352-3777 - View Map - Palmer Insurance and Income Tax
631 N Main St - Santa Ana, CA 92701 - (714) 835-0840 - View Map - Everett Callahan Insurance Agency, Inc
1913 17th St - Santa Ana, CA 92705 - (714) 246-8976 - View Map
Exclusive Auto Insurance Agents
Exclusive insurance agents can only provide one company's prices such as Farmers Insurance or State Farm. Exclusive agents cannot compare rates from other companies so they have no alternatives for high prices. Exclusive agents are well trained on sales techniques and that allows them to sell at a higher price point. Some consumers prefer to buy insurance from these agents primarily because of the brand rather than having the cheapest rates.
Below is a short list of exclusive insurance agencies in Santa Ana willing to provide rate quotes.
- Allstate Insurance: Sonia Carolina Franco
2017 N Main St - Santa Ana, CA 92706 - (714) 515-8062 - View Map - Farmers Insurance: Sandy Hocking-Cline
1801 Park Ct Pl - Santa Ana, CA 92701 - (714) 973-9100 - View Map - State Farm Insurance: Luis Olmedo
600 S Grand Ave #101 - Santa Ana, CA 92705 - (714) 486-3441 - View Map
Choosing the best car insurance agent is decision based upon more than just the price. These are some questions you should get answers to.
- How are claims handled?
- Does the quote include credit and driving reports?
- How long have they worked with personal auto insurance coverage?
- What insurance companies do they work with in Santa Ana?
- Are they giving you every discount you deserve?
- Can you use your own choice of collision repair facility?
- Are claim adjusters local or do you have to take your car somewhere else?
- If your car is totaled, how to they determine the replacement cost?
Auto insurance coverage considerations
Knowing the specifics of your policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.
Uninsured/Underinsured Motorist coverage
This coverage protects you and your vehicle's occupants when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle's occupants as well as damage to your Toyota 4Runner.
Due to the fact that many California drivers only carry the minimum required liability limits (15/30/5 in California), it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liability limits.
Comprehensive coverage
Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things like hitting a deer, a tree branch falling on your vehicle, a broken windshield, theft and vandalism. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.
Auto collision coverage
This pays for damage to your 4Runner resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims like crashing into a building, sustaining damage from a pot hole, damaging your car on a curb and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible on your 4Runner to bring the cost down.
Medical payments coverage and PIP
Med pay and PIP coverage kick in for short-term medical expenses for nursing services, chiropractic care, hospital visits, funeral costs and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay
Liability car insurance
This coverage protects you from damage or injury you incur to a person or their property. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 15/30/5 which means $15,000 in coverage for each person's injuries, a limit of $30,000 in injury protection per accident, and a limit of $5,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit without having the split limit caps.
Liability can pay for claims like attorney fees, repair costs for stationary objects, funeral expenses, legal defense fees and medical expenses. How much coverage you buy is your choice, but consider buying as high a limit as you can afford. California requires minimum liability limits of 15/30/5 but drivers should carry better liability coverage.
The illustration below demonstrates why low liability limits may not be enough.
California car insurance company ratings
Insuring your vehicle with the highest-rated insurance company is hard considering how many choices there are in Santa Ana. The company information below could help you select which car insurance companies you want to consider to insure your vehicles.
Top 10 Santa Ana Car Insurance Companies Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Shop around and save
When buying insurance coverage, make sure you don't buy poor coverage just to save money. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits and learned later that the savings was not a smart move. The aim is to buy the best coverage you can find at the best price, not the least amount of coverage.
You just learned a lot of ways to shop for Toyota 4Runner insurance online. It's most important to understand that the more providers you compare, the higher the chance of saving money. You may even be surprised to find that the best rates are with some of the lesser-known companies.
People leave their current company for a number of reasons such as denial of a claim, high rates after DUI convictions, an unsatisfactory settlement offer or questionable increases in premium. Whatever your reason, switching auto insurance companies can be less work than you think.
Steps to finding cheaper rates for Toyota 4Runner insurance in Santa Ana
The best way we recommend to find the cheapest price for car insurance rates is to do an annual price comparison from different companies in Santa Ana. Prices can be compared by following these steps.
Step 1: Spend some time learning about individual coverages and the measures you can control to prevent high rates. Many factors that drive up the price like distracted driving and a poor credit score can be amended by paying attention to minor details.
Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from one company like Progressive and State Farm, while independent agencies can provide prices for many different companies.
Step 3: Compare the new rate quotes to your existing rates to see if you can save by switching companies. If you can save money, make sure coverage is continuous and does not lapse.
A key point to remember is to try to compare similar limits and deductibles on every price quote and and to get quotes from as many different insurance providers as possible. Doing this enables a level playing field and maximum price selection.
Much more information about auto insurance in California can be found on the following sites:
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- What Auto Insurance is Cheapest for a Chevrolet Equinox in Santa Ana? (FAQ)
- How Much is Santa Ana Auto Insurance for Good Students? (FAQ)
- Who Has Cheap Santa Ana Auto Insurance Rates for Drivers Requiring a SR22? (FAQ)
- Who Has Affordable Santa Ana Car Insurance Quotes for a Dodge Ram? (FAQ)
- Who Has Affordable Car Insurance for 17 Year Olds in Santa Ana? (FAQ)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- Car Insurance FAQ (Trusted Choice)