Cheapest Insurance for a Toyota FJ Cruiser in Sacramento

It takes a few minutes, but the best way to get discount Toyota FJ Cruiser insurance is to compare quotes annually from providers who sell auto insurance in Sacramento. You can shop around by completing these steps.

  1. It will benefit you to learn about car insurance and the things you can control to lower rates. Many risk factors that result in higher rates like multiple speeding tickets and a negative credit history can be controlled by making minor changes to your lifestyle.
  2. Quote rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive or Farmers Insurance, while agents who are independent can provide price quotes for a wide range of insurance providers.
  3. Compare the new rate quotes to your existing rates to determine if switching companies saves money. If you can save some money, make sure coverage does not lapse between policies.

The key thing to remember is to make sure you’re comparing similar limits and deductibles on each quote and and to get price quotes from as many carriers as you can. Doing this enables a level playing field and a better comparison of the market.

Insurance rates Toyota FJ Cruiser in SacramentoShockingly, the vast majority of consumers have stayed with the same insurance company for well over three years, and nearly the majority have never shopped around. Drivers in Sacramento could save themselves 35% a year by just shopping around, but most just don’t grasp how much money they would save if they swap their current policy for a cheaper one.

Quoting and comparing the cheapest policy in Sacramento can be fairly easy. In a nutshell, everyone who shops for insurance will find lower prices. But California drivers must comprehend how big insurance companies calculate their prices because rates are impacted by many factors.

All the larger auto insurance companies such as State Farm, GEICO and Progressive make it easy to get coverage price quotes online. Getting Toyota FJ Cruiser insurance prices online is quite easy because you just enter your coverage preferences on the page. Once entered, their quoting system obtains information on your driving record and credit history and returns a price based on these and other factors. Getting online quotes for Toyota FJ Cruiser insurance in Sacramento makes it easy to compare insurance prices and it’s very important to do this in order to find cheap auto insurance pricing.

To compare rates using this form now, check out the auto insurance providers below. If you have coverage now, it’s recommended that you enter your coverages just like they are on your policy. This guarantees you will be getting comparison quotes for similar coverage.

The companies shown below are our best choices to provide price quotes in Sacramento, CA. To find cheaper car insurance in Sacramento, CA, it’s highly recommended you visit several of them to get the best price comparison.

Why you need quality insurance for your FJ Cruiser

Even though it’s not necessarily cheap to insure a Toyota in Sacramento, maintaining insurance is required in California but also provides important benefits.

The benefits of buying enough insurance more than cancel out the cost, especially if you ever need it. Despite what companies tell you, the average driver is currently overpaying as much as $825 a year so we recommend shopping around at every renewal to be sure current rates are still competitive.

Insurance coverage analysis

The information shown next outlines a range of insurance costs for Toyota FJ Cruiser models. Understanding how insurance prices are determined is important for drivers to make decisions on which insurance to purchase.


Toyota FJ Cruiser Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
FJ Cruiser 2WD $378 $544 $534 $32 $160 $1,648 $137
FJ Cruiser 4WD $420 $544 $534 $32 $160 $1,690 $141
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Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Table data does not factor in specific location information which can increase or decrease prices greatly.

Higher deductibles save money

One of the more difficult decisions when buying insurance is how high or low should comp and collision deductibles be. The figures shown below illustrate the difference in cost between high and low physical damage deductibles. The first data table uses a $100 comprehensive and collision deductible and the second price grid uses a $1,000 deductible.


Toyota FJ Cruiser insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
FJ Cruiser 2WD $430 $564 $442 $26 $132 $1,619 $135
FJ Cruiser 4WD $478 $564 $442 $26 $132 $1,667 $139
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Toyota FJ Cruiser insurance with $1,000 deductibles
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
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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 safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Premium costs do not factor in vehicle location which can affect coverage prices noticeably.

We can derive from the above data that using a $100 deductible costs about $41 more each month or $492 every year averaged for all FJ Cruiser models than opting for the higher $1,000 deductible. Since you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you go more than 22 months between claim filings, you would probably come out ahead if you choose the higher deductible.

The chart below highlights how deductible selection and can impact Toyota FJ Cruiser annual premium costs for different categories of driver ages. The premiums are based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

Get cheaper Toyota FJ Cruiser insurance in Sacramento with discounts

Car insurance is expensive, but you may be missing some discounts to help offset the cost. Many of these discounts will be applied automatically when you get a quote, but some must be specifically requested before being credited.Save money with discounts

Drivers should understand that many deductions do not apply to the whole policy. A few only apply to specific coverage prices like collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

The information below illustrates the comparison of Toyota FJ Cruiser auto insurance costs with and without policy discounts. The data is based on a male driver, no violations or accidents, California state minimum liability limits, comp and collision included, 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-car, multi-policy, marriage, and claim-free discounts applied.

If you would like to view companies with discount rates in Sacramento, click this link.