Car Insurance Quotes for a Toyota 4Runner in Oklahoma City

Feel like you’re a prisoner to an expensive car insurance policy? Trust us, there are many Oklahoma City consumers feeling the pinch from expensive car insurance.

Discount Toyota 4Runner insuranceRegrettably, the vast majority of Oklahoma car insurance customers have purchased from the same company for at least the last four years, and roughly 40% of drivers have never even compared quotes to find affordable rates. Consumers in America could pocket as much as 47% a year just by getting comparison quotes, but most tend to underestimate the amount of savings they would get if they swap their current policy for a cheaper one.

How to find low-cost rates for Toyota 4Runner insurance in Oklahoma City

The recommended way to get more affordable Toyota 4Runner insurance is to compare prices at least once a year from providers that sell auto insurance in Oklahoma City. Price quotes can be compared by following these steps.

An important note is to make sure you’re comparing identical deductibles and limits on every quote and and to get price quotes from as many auto insurance providers as possible. This provides a fair price comparison and the best price selection.

There are many car insurance companies to choose from, and although it’s a good thing to have a choice, more options can take longer to find the best rates for Toyota 4Runner insurance in Oklahoma City.

Get cheaper rates on Toyota 4Runner insurance in Oklahoma City with these car insurance discounts

Companies that sell car insurance don’t list all available discounts in a way that’s easy to find, so the below list has a few of the more well known and the harder-to-find credits available to you. If you check and find you aren’t receiving every discount available, you’re paying more than you need to.

Keep in mind that most discount credits are not given to all coverage premiums. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that you would end up receiving a 100% discount, companies don’t profit that way.

The illustration below illustrates the difference between Toyota 4Runner insurance prices with and without discounts applied to the premium. The premium estimates are based on a female driver, no claims or driving citations, Oklahoma state minimum liability limits, full 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, homeowner, multi-car, marriage, and claim-free discounts applied.

Car insurance companies that possibly offer most of these discounts include:

When comparing rates, check with each company how many discounts you can get. Some discounts might not apply in Oklahoma City. To see companies who offer car insurance discounts in Oklahoma City, click this link.

When looking for cheaper Oklahoma City auto insurance quotes, there are a couple ways of comparing price quotes from different companies. The quickest method to do a complete rate comparison is to get quotes online.

Online shopping is fast and free, and it makes it obsolete to drive around to each insurance agency near you. Quoting and buying Toyota 4Runner insurance online eliminates the middleman unless your situation requires the trained advice of a local Oklahoma City agent. Although you can comparison shop online but purchase the actual policy in an agency. Just keep in mind that comparing more quotes helps locate a lower rate. Not every company provides rate quotes online, so it’s necessary to compare quotes from them as well.

The auto insurance companies shown below are ready to provide comparison quotes in Oklahoma. If multiple companies are listed, we recommend you compare several of them in order to find the most affordable rates.

Toyota 4Runner insurance rate analysis

The data table shown next outlines detailed analysis of policy rates for Toyota 4Runner models. Having a better understanding of how rates are determined can help customers make decisions on the best policy coverages.

Toyota 4Runner Insurance Rates in Oklahoma City, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
4Runner Sport 2WD $186 $250 $358 $22 $108 $924 $77
4Runner SR/5 2WD $186 $304 $358 $22 $108 $978 $82
4Runner Sport 4WD $186 $304 $358 $22 $108 $978 $82
4Runner SR/5 4WD $186 $304 $358 $22 $108 $978 $82
4Runner Trail Edition 4WD $208 $360 $358 $22 $108 $1,056 $88
4Runner Limited 2WD $208 $360 $358 $22 $108 $1,056 $88
4Runner Limited 4WD $208 $360 $358 $22 $108 $1,056 $88
Get Your Own Custom Quote Go

Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rate quotes do not factor in vehicle location which can affect premiums significantly.

Where to set your deductibles

One of the more difficult decisions when buying insurance is what deductibles to buy. The following tables may help to illustrate how much more you’ll pay when you buy lower versus higher coverage deductibles. The first data set uses a $100 physical damage coverage deductible and the second data table uses a $500 deductible.

Toyota 4Runner insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
4Runner Sport 2WD $436 $572 $382 $22 $114 $1,551 $129
4Runner SR/5 2WD $436 $698 $382 $22 $114 $1,677 $140
4Runner Sport 4WD $436 $698 $382 $22 $114 $1,677 $140
4Runner SR/5 4WD $436 $698 $382 $22 $114 $1,677 $140
4Runner Trail Edition 4WD $486 $822 $382 $22 $114 $1,851 $154
4Runner Limited 2WD $486 $822 $382 $22 $114 $1,851 $154
4Runner Limited 4WD $486 $822 $382 $22 $114 $1,851 $154
Get Your Own Custom Quote Go

Toyota 4Runner insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
4Runner Sport 2WD $318 $388 $382 $22 $114 $1,224 $102
4Runner SR/5 2WD $318 $472 $382 $22 $114 $1,308 $109
4Runner Sport 4WD $318 $472 $382 $22 $114 $1,308 $109
4Runner SR/5 4WD $318 $472 $382 $22 $114 $1,308 $109
4Runner Trail Edition 4WD $354 $554 $382 $22 $114 $1,426 $119
4Runner Limited 2WD $354 $554 $382 $22 $114 $1,426 $119
4Runner Limited 4WD $354 $554 $382 $22 $114 $1,426 $119
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Prices do not factor in specific location information which can modify auto insurance rates substantially.

Based on the above data, using a $100 deductible will cost you about $32 more each month or $384 annually across all Toyota 4Runner models than requesting the higher $500 deductible. Since you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you average at least 13 months between claim filings, you would most likely save money if you choose a higher deductible. The illustration below shows how you can do this calculation yourself.

Average monthly premium for $100 deductibles: $144
Average monthly premium for $500 deductibles (subtract): – $112
Monthly savings from raising deductible: $32
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $32
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

Cost difference between full coverage and liability

The illustration below shows the comparison of Toyota 4Runner yearly insurance costs when comparing full coverage to state minimum liability only. The premiums are based on no claims, a clean driving record, $100 deductibles, marital status is single, and no discounts are taken into consideration.

Guidelines for eliminating full coverage

There is no clear-cut rule of when to eliminate full coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is 10% or more of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.

For example, let’s assume your Toyota 4Runner settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $5,000 after paying your deductible. If premiums are more than $500 annually for your policy with full coverage, then you might consider buying liability only.

There are some situations where removing full coverage is not a good idea. If you still have a lienholder on your title, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.

How do Insurers Determine Toyota 4Runner Insurance Rates?

A large part of saving on auto insurance is knowing some of the things that help determine the level of your policy premiums. When you understand what influences your rates, this helps enable you to make changes that can earn you much lower annual insurance costs. Many factors are part of the equation when pricing auto insurance. Some are obvious like a motor vehicle report, although some other factors are less obvious like your vehicle usage and annual miles driven.

Buying insurance from Oklahoma City auto insurance agents

Some people would rather have an agent’s advice. One of the best bonuses of comparing rates online is the fact that you can find cheap insurance quotes but also keep your business local. And supporting local agents is still important in Oklahoma City.

Insurance agents in Oklahoma CityUpon completion of this quick form, your coverage information is immediately sent to insurance agents in Oklahoma City that provide free Oklahoma City auto insurance quotes for your business. It simplifies rate comparisons since you won’t have to contact any insurance agencies since price quotes are sent directly to your email. You can get cheaper insurance rates without a big time investment. If for some reason you want to get a comparison quote from a specific company, you can always find their quoting web page and fill out the quote form the provide.

When searching for a reliable insurance agency, you should know the different types of agents and how they can write your policy. Insurance policy providers are classified as either independent agents or exclusive agents depending on their employer.

Independent Insurance Agencies

These agents are normally appointed by many insurers so as a result can place your coverage through many companies depending on which coverage is best. If premiums increase, an independent agent can move your coverage which is easy for the insured.

If you are comparing rate quotes, we recommend you get insurance quotes from a couple of independent agencies so that you have a good selection of quotes to compare.

Below are Oklahoma City independent insurance agencies that can give you free insurance rate quotes.

6401 NW Expressway # 100BOklahoma City, OK 73132(405) 384-1518View Map

8503 S Western AveOklahoma City, OK 73139(405) 604-5600View Map

9005 S May AveOklahoma City, OK 73159(405) 631-9009View Map

More insurance agents

Exclusive Insurance Agencies

Agents that elect to be exclusive write business for a single company like Farmers Insurance or State Farm. Exclusive agents are unable to provide rate quotes from other companies so keep that in mind. Exclusive insurance agents are very knowledgeable in insurance sales which helps them sell on service rather than price.

Shown below is a list of exclusive insurance agencies in Oklahoma City who can help you get price quotes.

Mike Earles – State Farm Insurance Agent
12220 S Western AveOklahoma City, OK 73170(405) 691-1115View Map

9509 N Council RdOklahoma City, OK 73162(405) 721-1423View Map

8601 S Walker AveOklahoma City, OK 73139(405) 635-0677View Map

More insurance agents

Finding the right auto insurance agent requires more thought than just the premium amount. Any agent in Oklahoma City should be forthright in answering these questions:

Why you need quality insurance for your vehicle

Despite the high cost, insuring your vehicle serves several important purposes.

The benefits of buying enough insurance definitely exceed the price paid, especially when you need to use it. The average driver in Oklahoma is overpaying more than $830 a year so you should quote your policy with other companies at least once a year to ensure rates are inline.

Cheaper insurance rates are possible

Cheap Toyota 4Runner insurance in Oklahoma City can be bought from both online companies as well as from insurance agents, and you should compare rates from both in order to have the best price selection to choose from. A few companies do not provide the ability to get quotes online and most of the time these smaller companies work with independent insurance agencies.

While you’re price shopping online, don’t be tempted to skimp on coverage in order to save money. Too many times, consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The goal is to buy the best coverage you can find at the lowest possible cost and still be able to protect your assets.

How to find affordable quotes for Toyota 4Runner insurance in Oklahoma City

If you want to save the most money, the best way to get the cheapest auto insurance rates in Oklahoma City is to compare prices at least once a year from insurers in Oklahoma. Drivers can shop around by following these steps.

  1. Read about how insurance works and the steps you can take to prevent high rates. Many risk factors that increase rates like at-fault accidents and a low credit rating can be improved by making minor driving habit or lifestyle changes.
  2. Quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from one company like Progressive or Allstate, while agents who are independent can give you price quotes from multiple sources.
  3. Compare the new quotes to your existing coverage to determine if you can save on 4Runner insurance. If you can save money and switch companies, ensure coverage does not lapse between policies.

One bit of advice is to try to compare the same deductibles and limits on every price quote and and to get price estimates from every company you can. This helps ensure a fair rate comparison and a complete selection of prices.

Additional detailed information is available by following these links: