Buying the most affordable San Francisco Toyota FJ Cruiser insurance quotes may be impossible for people new to comparison shopping online. With such a big selection of agents and companies competing online, how are we expected to even start to compare every one to find the best pricing?
It’s an obvious conclusion that insurance companies don’t want their policyholders to compare prices. Drivers who do rate comparisons are very likely to buy a new policy because there is a good probability of finding a cheaper policy. A recent study showed that drivers who compared prices once a year saved an average of $70 a month compared to people who don’t make a habit of comparing rates.
If finding discount rates on car insurance in San Francisco is why you’re here, then having a good understanding the best way to quote and compare insurance can make it easier to shop your coverage around.
Locating the best rates in San Francisco can be easy if you know a few tricks. Just about each driver who needs more affordable car insurance most likely will get a lower-priced policy. But California consumers benefit from understanding the methods companies use to price online insurance and use this information to your advantage.
When quoting insurance, remember that comparing a wide range of rates helps you find a better price. Some smaller insurers do not give rate quotes online, so you also need to get prices from them, too.
The providers in the list below provide comparison quotes in California. If multiple companies are shown, we recommend you visit two to three different companies to find the cheapest car insurance rates.
Facts and figures for Toyota FJ Cruiser insurance
The information displayed next showcases detailed analysis of prices for Toyota FJ Cruiser models. Being able to understand how premiums are established can help drivers make smart choices when purchasing an auto insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|FJ Cruiser 2WD||$304||$374||$450||$26||$134||$1,288||$107|
|FJ Cruiser 4WD||$338||$374||$450||$26||$134||$1,322||$110|
|Get Your Own Custom Quote Go|
Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Prices do not factor in your specific San Francisco location which can lower or raise rates substantially.
The information below demonstrates how choosing different deductibles and can increase or decrease Toyota FJ Cruiser premium costs for different categories of driver ages. The costs are based on a single female driver, comp and collision included, and no discounts are applied to the premium.
Rate comparison of men versus women
The illustration below compares Toyota FJ Cruiser insurance rates for male and female drivers. The premium estimates are based on no violations or accidents, full physical damage coverage, $1,000 deductibles, single marital status, and no discounts are applied.
Toyota FJ Cruiser full coverage rates compared to liability only
The illustration below shows the difference between Toyota FJ Cruiser insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on no driving violations, no at-fault accidents, $250 deductibles, marital status is single, and no discounts are applied to the premium.
When to drop comp and collision
There is no definitive formula of when to stop paying for physical damage insurance, but there is a general school of thought. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.
For example, let’s pretend your Toyota FJ Cruiser replacement value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $4,000 after you pay the deductible. If you are currently paying more than $400 a year for your policy with full coverage, then it might be time to consider dropping full coverage.
There are some situations where dropping physical damage coverage is not recommended. If you still have a lienholder on your title, you have to keep full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.
Buying from car insurance agents
A small number of people still prefer to go talk to an agent and that is recommended in a lot of cases A nice benefit of getting online price quotes is you can get lower rates and also buy local.
By using this simple form, your information is emailed to insurance agents in San Francisco who will give you bids for your coverage. There is no need to drive around as quotes are delivered to the email address you provide. You can most likely find cheaper rates without a big time investment. If you want to get a price quote for a specific company, you would need to visit that company’s website and give them your coverage information.
Picking the best insurer requires you to look at more than just the premium amount. The questions below may impact your decision as well.
- Are they able to provide referrals?
- Who is covered by the car insurance policy?
- Can glass claims be handled at your home?
- If your car is in the repair shop, do you have coverage for a rental car?
- What kind of financial rating does the company have?
- Is the agent properly licensed in California?
- Is coverage determined by price?
If you would like to find a local insurance agency, you should know the different types of agencies and how they work. Insurance agencies in San Francisco are categorized either independent or exclusive depending on the company they work for.
Agents in the exclusive channel can only place business with one company like State Farm or Allstate. They usually cannot provide rate quotes from other companies so it’s a take it or leave it situation. These agents are usually quite knowledgeable on the products they sell and that allows them to sell at a higher price point. A lot of people use the same agent mainly due to the brand legacy and strong financial ratings.
Shown below are exclusive agents in San Francisco that can give you price quotes.
- Lynn Petrie Lange – State Farm Insurance Agent
3717 Buchanan St #100 – San Francisco, CA 94123 – (415) 923-0192 – View Map
- Adrienne Ng – State Farm Insurance Agent
425 Market St #2252 – San Francisco, CA 94105 – (415) 292-8088 – View Map
- Jing Lee – State Farm Insurance Agent
4444 Geary Blvd #300 – San Francisco, CA 94118 – (415) 752-8888 – View Map
Independent Auto Insurance Agents
Agents of this type often have many company appointments so as a result can place your coverage with an assortment of companies and find the cheapest rate. If your agent finds better pricing, they can switch companies in-house and you won’t have to switch agencies. If you need lower rates, we recommend you contact a couple of independent agencies to have the most options to choose from. They often place coverage with companies that do not advertise much which can be an advantage.
Below is a short list of independent insurance agents in San Francisco that can give you comparison quotes.
- Blum-Blackfield Insurance Agency
2 Twin Peaks Blvd – San Francisco, CA 94114 – (415) 665-1440 – View Map
- Riskguard Insurance Solutions
422 Presidio Ave – San Francisco, CA 94115 – (415) 447-4212 – View Map
- Nationwide Insurance: Nathan Douglas Gleason Agency
101 California St #2710 – San Francisco, CA 94111 – (415) 870-6999 – View Map