How to Save on Oklahoma City Toyota FJ Cruiser Insurance

The best way we recommend to find low-cost car insurance rates is to compare prices annually from providers in Oklahoma City.

Step 1: Try to learn a little about how insurance companies determine prices and the changes you can make to lower rates. Many rating criteria that cause rate increases like distracted driving and a poor credit rating can be remedied by making minor changes in your lifestyle. Keep reading for more information to keep prices down and earn a bigger discount.

Step 2: Compare prices from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like GEICO and State Farm, while independent agents can provide price quotes from many different companies. Compare rates now

Step 3: Compare the new rate quotes to your existing coverage to see if you can save by switching companies. If you find a better price, make sure coverage does not lapse between policies.

One bit of advice is that you use the same physical damage deductibles and liability limits on every price quote and and to get prices from as many auto insurance providers as possible. Doing this guarantees a level playing field and and a good selection of different prices.

It’s an obvious conclusion that car insurance companies don’t want policyholders to compare prices from other companies. Consumers who rate shop once a year are highly likely to buy a new policy because there is a significant possibility of finding lower rate quotes. A recent insurance study discovered that consumers who made a habit of comparing rate quotes saved as much as $70 a month compared to those who never shopped for cheaper rates.

If finding the most affordable Toyota FJ Cruiser insurance is your objective, then learning a little about the best ways to find and compare car insurance can make shopping around easier.

If you have coverage now or just want cheaper rates, use these cost-cutting techniques to get lower rates without reducing coverage. These techniques will teach you a little about the best ways to compare prices and also save some money in the process You just need to know the least time-consuming way to compare company rates using one simple form.

Free Oklahoma City Toyota FJ Cruiser insurance quotes

Most of the larger companies allow you to get prices online. Comparing prices online for Toyota FJ Cruiser insurance in Oklahoma City is quite simple as you just enter your personal and coverage information into the quote form. Behind the scenes, their quoting system automatically retrieves reports for credit and driving violations and generates a price based on these and other factors.

Using the web to get price quotes for Toyota FJ Cruiser insurance in Oklahoma City makes it easy to compare insurance prices and it is imperative to compare as many rates as possible if you want to get affordable prices.

To quickly find out what other companies charge, visit the companies below or click here to submit a quote request to multiple companies at once. If you have a policy now, it’s recommended that you enter your coverages exactly as shown on your declarations page. This ensures you are getting a fair comparison for the exact same coverage.

The car insurance companies shown below offer free quotes in Oklahoma. If multiple providers are shown, we suggest you click on several of them to get a more complete price comparison.

You may qualify for discounts for Toyota FJ Cruiser insurance in Oklahoma City

Insuring your fleet can be pricey, but you might already qualify for some discounts that many people don’t even know exist. Certain discounts will be applied when you purchase, but some discounts are required to be inquired about before you will receive the discount.

• Cautious Driver Discounts – Drivers who don’t get into accidents may save up to 50% more than drivers with accidents.
• Distant Student Discount – Youth drivers who live away from home at college and do not have access to a covered vehicle could get you a discount.
• Switch and Save Discount – A few larger companies give discounts for renewing your policy prior to your current FJ Cruiser insurance policy expiring. Ten percent is about the average savings.
• Military Deployment Discount – Being on active deployment in the military could be rewarded with lower premium rates.
• Drivers Education – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.
• Online Discount – Certain companies provide a small discount for completing your application on their website.
• Discounts for New Vehicles – Buying a new car instead of a used FJ Cruiser can save up to 30% since new model year vehicles have better safety ratings.
• Theft Deterrent – Cars equipped with tracking devices and advanced anti-theft systems can help prevent theft and earn discounts up to 10% off your Oklahoma City car insurance quote.
• Oklahoma City Homeowners Pay Less – Just being a homeowner can get you a discount because it requires a higher level of personal finance.
• Accident-Free Discounts – Good drivers with no accidents can earn big discounts when compared to insureds who have frequent claims or accidents.

One thing to note about discounts is that many deductions do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you can get free auto insurance, insurance companies wouldn’t stay in business. Any amount of discount should definitely cut your overall bill.

The diagram below illustrates the difference between Toyota FJ Cruiser insurance premiums with and without discounts applied. The premiums assume a female driver, no claims or driving citations, Oklahoma state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, claim-free, marriage, multi-policy, and homeowner discounts applied.

To view insurance companies offering auto insurance discounts in Oklahoma City, follow this link.

Insurance statistics and figures

The information shown below highlights different prices for Toyota FJ Cruiser models. Knowing how insurance prices are established is important for you to make decisions on which insurance to purchase.

Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Price information does not factor in specific location which can modify premium rates substantially.

How high should deductibles be?

The hardest decision when buying coverage is how high should your deductibles be. The comparison tables below can help show how much more you’ll pay when you buy lower versus higher physical damage deductibles. The first set of rates uses a $250 physical damage deductible and the second price table uses a $500 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Price information does not factor in vehicle garaging location which can decrease or increase coverage rates considerably.

Based on these figures, using a $250 deductible will cost in the ballpark of $15 more each month or $180 annually across all Toyota FJ Cruiser models than opting for the higher $500 deductible. Because you would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you go at a minimum 17 months between claim filings, you would more than likely save some money by selecting a higher deductible.

An important sidenote is that raising deductibles to get cheaper rates means you will have to pay more out-of-pocket when you have a claim. You need to make sure you have enough extra money in order to pay the deductible.

Violations and accidents raise rates

The information below highlights how traffic violations and at-fault claims can impact Toyota FJ Cruiser insurance premiums for each different age group. The rates are based on a married male driver, full coverage, $1,000 deductibles, and no discounts are factored in.

Difference between liability only and full coverage rates

The example below illustrates the difference between Toyota FJ Cruiser auto insurance costs when comparing full coverage to liability only. The price estimates are based on a clean driving record, no at-fault accidents, $500 deductibles, drivers are not married, and no policy discounts are applied.

When to drop comp and collision

There is no clear-cut rule to eliminate full coverage, but there is a general convention. If the annual cost of your full coverage insurance is 10% or more of replacement cost minus your deductible, then you may need to consider dropping full coverage.

For example, let’s pretend your Toyota FJ Cruiser claim settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $7,000 after you pay the deductible. If you are paying in excess of $700 annually for comprehensive and collision coverage, then you might consider buying liability only.

There are a few situations where buying only liability insurance is not recommended. If you haven’t paid off your loan, you have to carry 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 maintain full coverage.

Learn How to Get Auto Insurance at a Discount

One of the most helpful ways to save on auto insurance is to to have a grasp of some of the factors that come into play when calculating the price you pay for auto insurance. If you have some idea of what determines base rates, this empowers consumers to make smart changes that may result in lower rates.

Shown below are some of the factors companies use to determine your prices.

• Driver age impacts prices – Teen drivers in Oklahoma have a tendency to get distracted easily when driving and because of this, their auto insurance rates are much higher. Parents adding a inexperienced driver to your auto insurance policy can break the bank. Older insureds are shown to be more cautious, cost insurance companies less in claims, and are safer drivers.

  The data below uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.

• Get better rates if married – Getting married can actually save you money compared to being single. It is viewed as being more mature and it’s statistically proven that drivers who are married file infrequent claims.
• Big cities have higher prices – Residing in smaller towns and rural areas of the country can save you money if you are looking for the lowest rates. Lower population translates into fewer accidents. People in densely populated areas regularly have more aggressive driving styles and much longer commute distances. The longer drive time means a statistically higher chance of an accident.
• Car and home together may be cheaper – Most larger companies afford a discount to insureds that have more than one policy. It’s known as a multi-policy discount. The amount of the discounts can be anywhere from five to ten percent in most cases. Even with this discount applied, drivers will still want to compare other Oklahoma City FJ Cruiser insurance rates to help ensure you have the lowest rates.
• Proper usage rating affects prices – Driving a lot of miles in a year’s time the higher the price you pay to insure it. Most insurance companies rate vehicles determined by how the vehicle is used. Vehicles not used for work or commuting get more affordable rates than vehicles that are driven to work every day. A policy that improperly rates your FJ Cruiser can result in significantly higher rates. It’s a smart idea to ensure your auto insurance declarations sheet reflects the correct usage for each vehicle.

• The type of car, truck or SUV you drive affects your rates – The type of car or truck you need insurance for makes a big difference in determining your rates. Low performance passenger models usually have the lowest premiums, but the final cost of insurance is determined by many other factors.

  The next chart is based on a married male driver age 20, full coverage with $500 deductibles, and no discounts or violations. The data compares Toyota FJ Cruiser car insurance rates compared to other makes and models that have a range of risk factors.

• Higher prices for specific employers – Did you know that where you work can have an impact on rates? Jobs such as military generals, executives, and emergency personnel usually pay higher rates than average because of intense work-related stress and long work days. Conversely, careers like professors, athletes and retirees receive lower rates.
• Liability coverage – The liability coverage on your policy will afford coverage if a jury decides you are liable for physical damage or personal injury to other. Liability insurance provides you with a defense in court which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.

Comparing quotes from local Oklahoma City insurance agents

A small number of people prefer to buy from a local agent and that is OK! Professional agents are trained to spot inefficiencies and will help you if you have claims. A good thing about getting free rate quotes online is you may find better rates and still have an agent to talk to.

After filling out this quick form, your information is instantly submitted to participating agents in Oklahoma City that can provide free Oklahoma City car insurance quotes for your coverage. It simplifies rate comparisons since you won’t have to even leave your home due to the fact that quote results will go instantly to you. If you have a need to quote rates from a specific auto insurance provider, you would need to visit that company’s website and complete a quote there.

Picking the best company shouldn’t rely on just the price. The following questions are important to ask.

• Is vehicle mileage a factor when determining depreciation for repairs?
• Is insurance their full-time profession?
• What kind of financial rating does the company have?
• Are they involved in claim handling?
• What is the agency’s Better Business Bureau rating?
• Can you get a list of referrals?
• Do they carry Errors and Omissions coverage?

Two types of Oklahoma City car insurance agents

If you are wanting to find a reliable insurance agent, you must know there are a couple different types of agents and how they function. Oklahoma City agents are classified as either exclusive or independent (non-exclusive). Both can write auto insurance policies, but it is important to understand the differences because it can factor into which agent you choose.

Exclusive Agencies

Exclusive insurance agents can only provide one company’s prices and some examples include AAA, Allstate, State Farm, or Farmers Insurance. They usually cannot compare rates from other companies so you need to shop around if the rates are high. They receive a lot of sales training on the products they sell which helps offset the inability to provide other markets. Consumers frequently buy from the same agent for years mainly due to the brand name rather than low rates.

Listed below are exclusive insurance agents in Oklahoma City who can help you get price quotes.

• Rita Wallenberg – State Farm Insurance Agent
  2833 SW 119th St – Oklahoma City, OK 73170 – (405) 691-2464 – View Map
• State Farm: Vicky Richey Insurance Agency Inc
  8601 S Walker Ave – Oklahoma City, OK 73139 – (405) 635-0677 – View Map
• Mai McCoy – State Farm Insurance Agent
  2800 N Classen Blvd #105 – Oklahoma City, OK 73106 – (405) 524-3327 – View Map

More insurance agents

Independent Agents (or Brokers)

Independent agents do not work for one specific company and that is an advantage because they can write policies amongst many companies and find you the best rates. If they find a cheaper price, your agent can switch companies without you having to go to a different agency.

When searching for an agent, you definitely need to check rates from independent agents in order to compare the most rates. They often place coverage with companies you’ve never heard of that may provide cheaper auto insurance rates.

Listed below are Oklahoma City independent insurance agencies that are able to give rate quotes.

• Econo-Wise Insurance Agency, Inc.
  2705 SW 29th St – Oklahoma City, OK 73119 – (405) 682-6699 – View Map
• Perimeter Insurance
  4200 Perimeter Center Dr – Oklahoma City, OK 73112 – (405) 778-8880 – View Map
• Multi Quote Insurance
  2101 SW 71st St – Oklahoma City, OK 73159 – (405) 604-5999 – View Map

More insurance agents

It’s not one size fits all

When it comes to choosing your policy, there really isn’t a one-size-fits-all type of policy. Your needs are not the same as everyone else’s.

These are some specific questions could help you determine whether your personal situation would benefit from professional advice.

• How can I get high-risk coverage after a DUI?
• Should I get collision insurance on every vehicle?
• How high should my uninsured/underinsured coverage be in Oklahoma?
• Can I get a multi-policy discount?
• If my pet gets injured in an accident are they covered?
• Which companies will insure me after a DUI?
• What is PIP insurance?
• When does my teenage driver need to be added to my policy?
• How does medical payments coverage work?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

More comparisons equals affordable rates

Lower-priced Toyota FJ Cruiser insurance in Oklahoma City is attainable both online and from local insurance agents, and you should compare price quotes from both so you have a total pricing picture. A few companies do not offer the ability to get a quote online and most of the time these regional carriers prefer to sell through independent insurance agencies.

As you go through the steps to switch your coverage, it’s very important that you do not reduce needed coverages to save money. Too many times, an insured dropped liability coverage limits and discovered at claim time they didn’t have enough coverage. Your focus should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.

Insureds change insurance companies for a variety of reasons including delays in responding to claim requests, being labeled a high risk driver, high rates after DUI convictions and even denial of a claim. Regardless of your reason, switching auto insurance companies is easier than you think.

More detailed auto insurance information can be found at these sites:

• Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
• What Insurance is Cheapest for Ride Shares in Oklahoma City? (FAQ)
• Who Has the Cheapest Auto Insurance for Drivers Over Age 50 in Oklahoma City? (FAQ)
• Auto Insurance 101 (About.com)
• Credit and Insurance Scores (Insurance Information Institute)
• Credit Impacts Car Insurance Rates (State Farm)
• What if I Can’t Find Coverage? (Insurance Information Institute)