How to Compare Phoenix Toyota FJ Cruiser Insurance

Are you drained from trying to scrape together enough money to pay your car insurance bill each month? Your situation is no different than the majority of other vehicle owners in Arizona.

Shockingly, the vast majority of consumers in Arizona kept buying from the same company for over three years, and approximately 40% of consumers have never even shopped around for cheaper coverage. American drivers could cut their rates by almost $859 a year by just comparing rate quotes, but they don’t want to take the time to compare rate quotes online.

Many insurers compete to insure your vehicles, and it can be difficult to compare rates to discover the definitive best price available on Toyota FJ Cruiser insurance in Phoenix.

When comparison shopping, quoting more increases your odds of finding more affordable insurance. Not every company does online price quotes, so it’s necessary to compare prices from the smaller companies as well.

The companies shown below offer free rate quotes in Arizona. If multiple companies are listed, we recommend you visit as many as you can to get the best price comparison.

Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Estimates do not factor in zip code location which can alter coverage rates noticeably.

Auto insurance deductibles

When shopping for auto insurance, a common question is at what level do you set your deductibles. The figures shown below lay out the difference in cost between low and high deductibles. The first data table uses a $100 deductible for comprehensive and collision coverage and the second pricing table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Prices do not factor in garaging location in Phoenix which can modify auto insurance rates considerably.

Using the data above, we can ascertain that using a $100 deductible could cost the average driver approximately $20 more each month or $240 each year than choosing the higher $500 deductible. Because you would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you go at least 20 months between claim filings, you would most likely save money by selecting a higher deductible.

Should you buy full coverage?

The diagram below illustrates the difference between Toyota FJ Cruiser insurance premiums with full coverage compared to only the Arizona minimum liability coverage. The premium estimates are based on no claims, a clean driving record, $500 deductibles, single male driver, and no discounts are taken into consideration.

When to drop full coverage

There is no set rule to delete full coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is more than about 10% of replacement cost minus your deductible, then you might consider buying liability only.

For example, let’s assume your Toyota FJ Cruiser claim settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would receive is $4,000 after you pay the deductible. If you are paying in excess of $400 a year for full coverage, then you might consider buying liability only.

There are some circumstances where only buying liability is not advised. If you still have a loan on your vehicle, you have to keep full 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 the even your car is totaled, you should not remove full coverage.

Auto insurance deductibles

The example below highlights how deductible selection and can influence Toyota FJ Cruiser insurance costs for each different age group. The premiums are based on a married female driver, comp and collision included, and no discounts are taken into consideration.

Local neighborhood agents and insurance

Some consumers would prefer to buy from a local agent and that is not a bad decision The biggest benefit of comparing insurance online is you can get cheap insurance quotes and still choose a local agent.

By using this simple form, your insurance coverage information is instantly submitted to companies in Phoenix who will return price quotes and help you find cheaper coverage. You won’t even need to drive around as quotes are delivered directly to your email. You can get cheaper insurance rates without having to waste a lot of time. If you want to get a comparison quote from a particular provider, you would need to navigate to their website and complete a quote there.

Choosing the best provider requires you to look at more than just the quoted price. Before buying a policy in Phoenix, get answers to these questions.

• Does the agency support the community they serve?
• Which insurance company do they prefer to write with?
• How many years have they been established?
• How is replacement cost determined on your vehicle?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• Do they have 24-hour customer assistance?
• Who is covered by the car insurance policy?

If you need to find a local insurance agency, it can be helpful to understand the different agency structures and how they function. Insurance agencies are either independent (non-exclusive) or exclusive.

Exclusive Insurance Agencies

Exclusive agents can only provide one company’s prices and some examples include AAA, State Farm, Farmers Insurance, and Allstate. These agents are not able to provide other company’s prices so they have to upsell other benefits. Exclusive insurance agents are well schooled on their company’s products which can be an advantage.

Below is a list of exclusive agents in Phoenix that can give you price quotes.

More Phoenix agents

Independent Agencies or Brokers

Agents that elect to be independent do not have single company limitations so they can write business with a variety of different insurance companies and find you the best rates. If your premiums go up, an independent agent can move your coverage and you don’t have to do anything.

If you are comparing rate quotes, we highly recommend that you get rate quotes from several independent insurance agents to get the best comparison.

Below is a list of independent agents in Phoenix willing to provide price quotes.

More Phoenix agents