Compare Toyota Sequoia Insurance Rate Quotes in San Francisco

Insurance for Toyota SequoiaThe easiest way to get the cheapest Toyota Sequoia insurance in San Francisco is to compare quotes annually from different companies in California. Rates can be compared by completing these steps.

  1. Read about how car insurance works and the measures you can control to prevent rate increases. Many factors that are responsible for high rates like at-fault accidents and an unacceptable credit history can be improved by making lifestyle changes or driving safer. This article gives tips to help reduce prices and find additional discounts.
  2. Compare prices from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from a single company like GEICO and Allstate, while independent agencies can quote prices from multiple companies.
  3. Compare the new quotes to your existing policy to see if a cheaper price is available. If you find a better price and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Tell your current agent or company of your decision to cancel your current coverage and submit payment and a signed application to your new company or agent. Immediately put the new proof of insurance paperwork in an easily accessible location in your vehicle.

The key aspect of shopping around is that you use the same liability limits and deductibles on each price quote and and to get price quotes from as many companies as possible. Doing this enables an apples-to-apples comparison and a good representation of prices.

Unthinkable but true, the vast majority of car insurance customers in California have bought car insurance from the same company for at least the last four years, and 38% of customers have never even shopped around for cheaper coverage. Consumers in America could save up to $860 each year, but they don’t believe the large savings they would see if they changed companies.

Car insurance providers offering cheap prices in California

The car insurance companies shown below are our best choices to provide quotes in California. If the list has multiple companies, it’s highly recommended you compare several of them to get the most competitive price.

Toyota Sequoia insurance analysis

The coverage table shown next showcases estimates of insurance premium costs for Toyota Sequoia models. Learning how auto insurance premiums are established can assist in making smart choices when choosing a car insurance company.

Toyota Sequoia Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sequoia SR/5 2WD $378 $662 $534 $32 $160 $1,766 $147
Sequoia SR/5 4WD $378 $780 $534 $32 $160 $1,884 $157
Sequoia Limited 2WD $420 $780 $534 $32 $160 $1,926 $161
Sequoia Limited 4WD $420 $780 $534 $32 $160 $1,926 $161
Sequoia Platinum 2WD $420 $898 $534 $32 $160 $2,044 $170
Sequoia Platinum 4WD $420 $898 $534 $32 $160 $2,044 $170
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Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Rates do not factor in specific San Francisco garaging location which can lower or raise prices substantially.

Physical damage deductibles: Should you raise them?

One of the more difficult decisions when buying auto insurance is at what level do you set your deductibles. The figures shown below approximate the premium difference of buying low and high policy deductibles. The first table uses a $250 physical damage deductible and the second price grid uses a $500 deductible.

Toyota Sequoia insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sequoia SR/5 2WD $386 $576 $442 $26 $132 $1,587 $132
Sequoia SR/5 4WD $386 $678 $442 $26 $132 $1,689 $141
Sequoia Limited 2WD $430 $678 $442 $26 $132 $1,733 $144
Sequoia Limited 4WD $430 $678 $442 $26 $132 $1,733 $144
Sequoia Platinum 2WD $430 $780 $442 $26 $132 $1,835 $153
Sequoia Platinum 4WD $430 $780 $442 $26 $132 $1,835 $153
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Toyota Sequoia insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sequoia SR/5 2WD $314 $464 $442 $26 $132 $1,378 $115
Sequoia SR/5 4WD $314 $546 $442 $26 $132 $1,460 $122
Sequoia Limited 2WD $348 $546 $442 $26 $132 $1,494 $125
Sequoia Limited 4WD $348 $546 $442 $26 $132 $1,494 $125
Sequoia Platinum 2WD $348 $630 $442 $26 $132 $1,578 $132
Sequoia Platinum 4WD $348 $630 $442 $26 $132 $1,578 $132
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Rates do not factor in specific San Francisco garaging location which can alter coverage rates considerably.

Based on this data, using a $250 deductible will cost in the ballpark of $20 more each month or $240 annually across all Toyota Sequoia models than opting for the higher $500 deductible. Since you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to go more than 13 months between claim filings, you would probably be better off if you choose the higher deductible.

The information below shows how different deductible levels and can raise or lower Toyota Sequoia yearly insurance costs for different age categories. The rates are based on a single female driver, comp and collision included, and no other discounts are factored in.

Gender-based auto insurance rates

The example below shows the comparison of Toyota Sequoia yearly insurance costs for male and female drivers. The premiums are based on no claims or violations, full coverage, $1,000 deductibles, marital status is single, and no other discounts are factored in.

Difference between liability only and full coverage rates

The example below visualizes the comparison of Toyota Sequoia insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The prices are based on a clean driving record, no at-fault accidents, $1,000 deductibles, drivers are single, and no additional discounts are factored in.

Guidelines for eliminating full coverage

There isn’t a steadfast formula for phasing out full coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

For example, let’s assume your Toyota Sequoia settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $4,000 after paying your policy deductible. If you are currently paying more than $400 a year for physical damage coverage, then it’s probably a good time to buy liability coverage only.

There are some circumstances where dropping physical damage coverage is not recommended. If you still owe money on your vehicle, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not remove full coverage.

Don’t overlook these nine Toyota Sequoia insurance discounts

Insurance can be prohibitively expensive, but there could be available discounts that you may not even be aware of. Certain credits will be shown when you complete an application, but some discounts are required to be asked about before you get the savings.Cheaper auto insurance with discounts

One thing to note about discounts is that some of the credits will not apply to the entire cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, it doesn’t quite work that way.

The diagram below shows the comparison of Toyota Sequoia annual premium costs with and without discounts applied to the policy premium. The prices are based on a female driver, no violations or claims, 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 safe-driver, homeowner, multi-policy, multi-car, claim-free, and marriage discounts applied.

If you would like to see a list of companies that have a full spectrum of discounts in San Francisco, click this link.

Shop online but buy locally

Certain consumers just want to go talk to an agent and that can be a smart move Good agents are very good at helping people manage risk and help file insurance claims. One of the great benefits of comparing insurance prices online is that you can find cheap rate quotes and still choose a local agent.

San Francisco insurance agentsTo help locate an agent, after submitting this quick form, your coverage information is instantly submitted to local insurance agents who want to provide quotes for your car insurance coverage. It simplifies rate comparisons since you won’t have to search for any insurance agencies because quoted prices will be sent immediately to your email address. If you need to get a comparison quote for a specific company, don’t hesitate to visit that company’s website to submit a rate quote request.

Picking an insurance company requires more thought than just the price. Agents should be asked these questions:

Two types of auto insurance agents

If you want a local San Francisco insurance agent, there are a couple of types of agencies and how they function. Car insurance agents may be either independent or exclusive depending on the company they work for. Either one can sell affordable car insurance policies, but it’s important to point out the difference between them since it could factor into which agent you choose.

Exclusive Insurance Agents

Agents that elect to be exclusive can usually just insure with one company and examples are State Farm, AAA, Farmers Insurance or Allstate. They generally cannot provide prices from multiple companies so they have to upsell other benefits. They are trained well on their company’s products which helps overcome the inability to quote other rates. Some insured continue to use the same exclusive agent mostly because of the brand legacy instead of buying on price only.

Listed below is a short list of exclusive insurance agents in San Francisco who may provide you with comparison quotes.

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Independent Car Insurance Agencies

Agents of this type are not locked into one company so they have the ability to put coverage with a variety of different insurance companies and help determine which has the cheapest rates. If premiums increase, they simply switch companies in-house and you stay with the same agent.

When comparing rate quotes, we recommend you contact multiple independent agents to get the best comparison. Most can insure with less well-known companies that may have much lower rates than larger companies.

Listed below are San Francisco independent insurance agents that can give you price quote information.

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There’s no such thing as the perfect auto insurance policy

When buying proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Your needs are unique to you and your policy should reflect that.Drive safe and save
Here are some questions about coverages that can aid in determining if your insurance needs would benefit from an agent’s advice.

If you can’t answer these questions, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance 101

Understanding the coverages of insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages available from insurance companies.

Auto liability

Liability insurance can cover injuries or damage you cause to a person or their property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 15/30/5 which means a $15,000 limit per person for injuries, a limit of $30,000 in injury protection per accident, and a limit of $5,000 paid for damaged property.

Liability coverage protects against claims like pain and suffering, legal defense fees, emergency aid and medical services. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible. California state minimum liability requirements are 15/30/5 but it’s recommended drivers buy higher limits.

The illustration below shows why buying low liability limits may not be high enough to adequately cover claims.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Toyota Sequoia.

Since many California drivers only carry the minimum required liability limits (which is 15/30/5), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as rock chips in glass, falling objects and theft. The highest amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto collision coverage

Collision coverage pays for damage to your Sequoia from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as rolling your car, sustaining damage from a pot hole and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible on your Sequoia to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as surgery, nursing services, dental work, ambulance fees and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Smart shoppers get results

A few companies may not provide internet price quotes and most of the time these smaller companies sell through independent agents. Low-cost Toyota Sequoia insurance in San Francisco can be found from both online companies in addition to many San Francisco insurance agents, and you should be comparing both in order to have the best price selection to choose from.

You just read many tips how you can lower your Toyota Sequoia insurance premium rates in San Francisco. It’s most important to understand that the more providers you compare, the better your comparison will be. Drivers may even discover the biggest savings come from a lesser-known regional company. Regional companies can often provide lower prices in certain areas than their larger competitors like State Farm, GEICO and Nationwide.

Much more information about car insurance in California can be read at the links below