Truthfully, the best way to get affordable Toyota FJ Cruiser insurance is to compare quotes annually from different companies who provide auto insurance in Santa Ana. Rate comparisons can be done by following these steps.
- Take a few minutes and learn about car insurance and the things you can change to keep rates low. Many risk factors that are responsible for high rates like accidents, traffic violations, and an unfavorable credit rating can be amended by making minor driving habit or lifestyle changes.
- Compare prices from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from a single company like GEICO and State Farm, while independent agencies can quote rates from multiple sources.
- Compare the new quotes to your existing coverage and determine if cheaper FJ Cruiser coverage is available in Santa Ana. If you find better rates and make a switch, make sure coverage is continuous and does not lapse.
The most important part of this process is that you'll want to compare similar coverage information on each price quote and and to get prices from as many companies as possible. This helps ensure an accurate price comparison and plenty of rates choose from.
It's easy to assume that auto insurance companies don't want customers comparing rates. Insureds who get price quotes annually are inclined to buy a different policy because the odds are good of getting low-cost coverage. A study discovered that people who make a habit of shopping around saved $865 annually as compared to drivers who never compared prices.
If finding the lowest price for insurance is your ultimate target, then knowing the best way to compare insurance coverage can save time and make the process easier.
Finding the cheapest insurance coverage in Santa Ana is really not that difficult. If you currently have insurance, you stand a good chance to be able to find the best rates using these tips. Smart buyers just need to understand the tricks to compare prices online from multiple companies.
Cutting your Santa Ana insurance rates can be surprisingly simple. Drivers just need to invest a little time comparing free Santa Ana car insurance quotes online from several insurance companies.
The following companies can provide free rate quotes in Santa Ana, CA. If several companies are displayed, we recommend you visit as many as you can in order to get a fair rate comparison.
Rate information and statistics
The data table shown below covers a range of insurance rates for Toyota FJ Cruiser models. Understanding how policy rates are figured can benefit drivers when making decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FJ Cruiser 2WD | $420 | $648 | $534 | $32 | $160 | $1,794 | $150 |
| FJ Cruiser 4WD | $468 | $648 | $534 | $32 | $160 | $1,842 | $154 |
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Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Rate information does not factor in specific location information which can modify auto insurance rates considerably.
An analysis of deductible level
One common question asked by Santa Ana drivers is how high should the physical damage coverage deductibles be. The following tables illustrate the costs and benefits between low and high coverage deductibles. The first rate comparisons uses a $250 comprehensive and collision deductible and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FJ Cruiser 2WD | $386 | $472 | $442 | $26 | $132 | $1,483 | $124 |
| FJ Cruiser 4WD | $430 | $472 | $442 | $26 | $132 | $1,527 | $127 |
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| 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 | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Price estimates do not factor in the specific area where the vehicle is garaged which can affect coverage prices significantly.
Based on this data, using a $250 deductible will cost in the ballpark of $30 more each month or $360 every year than opting for the higher $1,000 deductible. Because you would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 25 months between claim filings, you would most likely save money by selecting a higher deductible.
How to determine if a higher deductible is a good idea
| Average monthly premium for $250 deductibles: | $126 |
| Average monthly premium for $1,000 deductibles (subtract): | - $96 |
| Monthly savings from raising deductible: | $30 |
| Difference between deductibles ($1,000 - $250): | $750 |
| Divide difference by monthly savings: | $750 / $30 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 25 months |
One important note is that raising deductibles to get cheaper rates results in more money out-of-pocket when you do file a claim. You need to have enough money in the bank in order to pay the deductible.
Males versus Females
The diagram below compares Toyota FJ Cruiser car insurance costs for male and female drivers. The rate quotes are based on no claims or violations, comp and collision included, $250 deductibles, single status, and no additional discounts are factored in.
Insuring your Toyota FJ Cruiser just makes sense
Despite the fact that auto insurance is not cheap in Santa Ana, buying auto insurance may be required for several reasons.
- Most states have minimum liability requirements which means the state requires specific minimum amounts of liability coverage if you don't want to risk a ticket. 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 took out a loan on your FJ Cruiser, more than likely the lender will require you to have physical damage coverage to guarantee loan repayment. If you do not pay your insurance premiums, the bank will be required to insure your Toyota for a much higher rate and force you to reimburse them for the expensive policy.
- Auto insurance preserves not only your Toyota but also your financial assets. Insurance will pay for medical expenses incurred in an accident. Liability insurance also covers legal expenses if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.
The benefits of carrying enough insurance are without a doubt worth the cost, especially if you ever need it. An average driver in America is overpaying over $869 every year so it's important to compare rates at every policy renewal to be sure current rates are still competitive.
Why Informed Drivers Pay Less for Toyota FJ Cruiser Insurance
Many different elements are taken into consideration when you get your auto insurance bill. Most are fairly basic such as your driving history, but others are more obscure like where you live or your financial responsibility.
- The higher your credit history the lower your costs - Having a good credit score is likely to be a major factor in determining what you pay. People with very high credit ratings tend to be more responsible than drivers who have lower credit scores. So if your credit is lower than you'd like, you may save money insuring your Toyota FJ Cruiser if you clean up your credit.
- Vehicles with better crash test results cost less to insure - Safer cars tend to have better insurance rates. The safest vehicles reduce the chance of injuries and lower rates of occupant injuries translates into savings for insurance companies which can mean better rates for you. If your Toyota FJ Cruiser is rated at a minimum an "acceptable" rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
- Theft deterrents lower car insurance rates - Owning a car with an alarm system can help bring down rates. Advanced theft deterrents such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent your vehicle from being stolen.
- When should you not file claims? - If you are a frequent claim filer, you should expect either higher rates or even cancellation. Car insurance companies in California give the lowest premiums to drivers who file claims infrequently. Auto insurance is intended to be relied upon for claims that you cannot pay yourself.
Companies offer money-saving discounts on Toyota FJ Cruiser insurance in Santa Ana
Properly insuring your vehicles can get expensive, but you can get discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of purchase, but some may not be applied and must be inquired about prior to getting the savings.
- No Claim Discounts - Drivers with accident-free driving histories have much lower rates when compared to accident-prone drivers.
- Military Rewards - Being on active duty in the military can result in better insurance rates.
- New Car Discount - Buying coverage on a new vehicle can save you some money because newer vehicles have to meet stringent safety requirements.
- Santa Ana Homeowners Pay Less - Just owning your own home may trigger a policy discount on insurance because of the fact that having a home is proof that your finances are in order.
- Seat Belt Discounts - Drivers who always wear seat belts and also require passengers to fasten their seat belts can save up to 15% off PIP or medical payments premium.
- ABS Brakes - Vehicles with ABS and/or traction control are safer to drive and earn discounts up to 10%.
- Anti-theft System - Cars optioned with advanced anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
It's important to understand that most discounts do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like having all the discounts means you get insurance for free, that's just not realistic.
The information below illustrates the comparison of Toyota FJ Cruiser insurance prices with and without discounts applied to the rates. The data assumes a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, marriage, claim-free, multi-car, and homeowner discounts applied.
Companies and a partial list of their discounts are detailed below.
- Mercury Insurance may offer discounts for annual mileage, ease of repair, low natural disaster claims, professional/association, anti-theft, and good driver.
- Farmers Insurance discounts include early shopping, pay in full, business and professional, youthful driver, switch companies, and electronic funds transfer.
- Farm Bureau has savings for driver training, 55 and retired, multi-policy, renewal discount, youthful driver, safe driver, and multi-vehicle.
- State Farm may include discounts for driver's education, Steer Clear safe driver discount, defensive driving training, accident-free, passive restraint, and safe vehicle.
- Allstate offers discounts for defensive driver, utility vehicle, early signing, premier plus, and premier discount.
- GEICO policyholders can earn discounts including air bags, good student, military active duty, defensive driver, emergency military deployment, and driver training.
Double check with all the companies to apply every possible discount. A few discounts might not be offered on policies in Santa Ana. If you would like to see a list of insurance companies that offer discounts in Santa Ana, click here.
Compare rates but still have a local neighborhood Santa Ana car insurance agent
A small number of people still prefer to buy from a local agent and that is a smart decision Good agents can help determine the best coverages and help submit paperwork. One of the best bonuses of getting online price quotes is the fact that you can find cheap rate quotes but still work with a licensed agent.
To find an agent, once you fill out this form (opens in new window), your information is instantly submitted to companies in Santa Ana that can provide free Santa Ana car insurance quotes and help you find cheaper coverage. You don't have to even leave your home since rate quotes are delivered immediately to you. If you want to compare prices from a specific car insurance provider, don't hesitate to navigate to their website and submit a quote form there.
Picking the best insurance company requires you to look at more than just the premium amount. You should also get answers to these questions.
- Do the coverages you're quoting properly cover your vehicle?
- Are they giving you every discount you deserve?
- If your car is totaled, how to they determine the replacement cost?
- Which insurance company do they prefer to write with?
- When do they do policy reviews?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- How much will you save each year by using a higher deductible?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
Below are Santa Ana insurers that may be willing to give price quote information for Toyota FJ Cruiser insurance in Santa Ana.
- Barrett Insurance Agency
1438 S Main St - Santa Ana, CA 92707 - (714) 973-9999 - View Map - Kelly Davis - State Farm Insurance Agent
2677 N Main St #150 - Santa Ana, CA 92705 - (714) 647-6303 - View Map - Ammar Insurance Agency
726 S Main St - Santa Ana, CA 92701 - (714) 547-2400 - View Map - State Farm Insurance: Luis Olmedo
600 S Grand Ave #101 - Santa Ana, CA 92705 - (714) 486-3441 - View Map
Be persistent to save money
As you quote Santa Ana car insurance, you should never buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped uninsured motorist or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy enough coverage for the lowest price, but do not skimp to save money.
You just learned many ways to shop for Toyota FJ Cruiser insurance online. The key concept to understand is the more times you quote, the higher the chance of saving money. Consumers could even find that the lowest premium rates are with a small local company.
Some insurance companies do not offer rate quotes online and usually these smaller providers only sell coverage through independent insurance agencies. The cheapest Toyota FJ Cruiser insurance in Santa Ana is attainable from both online companies in addition to many Santa Ana insurance agents, and you should compare price quotes from both to get a complete price analysis.
Additional insurance information can be read on the following sites:
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- Who Has the Cheapest Auto Insurance for Drivers Over Age 50 in Santa Ana? (FAQ)
- Who Has the Cheapest Santa Ana Car Insurance Rates for Low Credit Scores? (FAQ)
- Who Has Affordable Auto Insurance for 19 Year Olds in Santa Ana? (FAQ)
- Cellphones, Texting and Driving (iihs.org)
- What if I Can't Find Coverage? (Insurance Information Institute)