Toyota 4Runner Insurance Rate Quotes in Los Angeles

Insurance rates Toyota 4Runner in Los AngelesNo one in their right mind likes paying for auto insurance, especially knowing the cost is too high.

Unbelievable but true according to a study over 70% of consumers have stayed with the same insurance company for over three years, and almost half have never compared auto insurance rates at all. Many drivers in America could save nearly $859 every year just by getting comparison quotes, but they just feel it’s too hard to shop their coverage around. Online insurance companies like State Farm, Farmers Insurance, GEICO and Allstate all claim big savings with ad campaigns and it is difficult to see past the geckos and flying pigs and take the time to shop coverage around.

Toyota 4Runner Insurance Cost Factors

Lots of factors are considered when quoting car insurance. Some factors are common sense such as your driving history, but some are more transparent like your continuous coverage or your financial responsibility. The best way to find cheaper insurance is to take a look at the different types of things that play a part in calculating the level of your policy premiums. When you understand what positively or negatively impacts your premiums, this allows you to make good choices that may reward you with lower rates.

The items below are some of the most common factors companies use to determine rates.

Compare Los Angeles Toyota 4Runner insurance quotes

Getting a cheaper price on Toyota 4Runner insurance doesn’t have to be difficult. All that’s required is to spend a few minutes on the computer comparing rates provided by online insurance companies.

It’s so easy to compare price quotes online that it replaces the need to call or drive to insurance agents’ offices. The ability to buy insurance online makes this process obsolete unless you have a complicated situation and need the trained advice of an agent trained in personal lines coverage. It is possible to get prices online but still have the advice of a local agent.

The providers in the list below are our best choices to provide price comparisons in Los Angeles, CA. If the list has multiple companies, we suggest you visit two to three different companies to get the most affordable price.

Coverage information

The data table displayed below showcases a range of insurance premium costs for Toyota 4Runner models. Learning more about how rate quotes are calculated can help drivers make informed decisions when shopping around for a new policy.

Toyota 4Runner Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
4Runner Sport 2WD $314 $382 $376 $22 $112 $1,206 $101
4Runner SR/5 2WD $314 $464 $376 $22 $112 $1,288 $107
4Runner Sport 4WD $314 $464 $376 $22 $112 $1,288 $107
4Runner SR/5 4WD $314 $464 $376 $22 $112 $1,288 $107
4Runner Trail Edition 4WD $348 $546 $376 $22 $112 $1,404 $117
4Runner Limited 2WD $348 $546 $376 $22 $112 $1,404 $117
4Runner Limited 4WD $348 $546 $376 $22 $112 $1,404 $117
Get Your Own Customized Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Table data does not factor in vehicle location which can change auto insurance rates noticeably.

Raise deductibles and save

One of the hardest decisions when shopping for car insurance is which deductible level should you buy. The comparisons below highlight how much more you’ll pay when you select higher and lower comp and collision deductibles. The first rate table uses a $100 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.

Toyota 4Runner insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
4Runner Sport 2WD $430 $564 $376 $22 $112 $1,529 $127
4Runner SR/5 2WD $430 $686 $376 $22 $112 $1,651 $138
4Runner Sport 4WD $430 $686 $376 $22 $112 $1,651 $138
4Runner SR/5 4WD $430 $686 $376 $22 $112 $1,651 $138
4Runner Trail Edition 4WD $478 $810 $376 $22 $112 $1,823 $152
4Runner Limited 2WD $478 $810 $376 $22 $112 $1,823 $152
4Runner Limited 4WD $478 $810 $376 $22 $112 $1,823 $152
Get Your Own Customized Quote Go

Toyota 4Runner insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
4Runner Sport 2WD $314 $382 $376 $22 $112 $1,206 $101
4Runner SR/5 2WD $314 $464 $376 $22 $112 $1,288 $107
4Runner Sport 4WD $314 $464 $376 $22 $112 $1,288 $107
4Runner SR/5 4WD $314 $464 $376 $22 $112 $1,288 $107
4Runner Trail Edition 4WD $348 $546 $376 $22 $112 $1,404 $117
4Runner Limited 2WD $348 $546 $376 $22 $112 $1,404 $117
4Runner Limited 4WD $348 $546 $376 $22 $112 $1,404 $117
Get Your Own Customized Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Estimates do not factor in specific Los Angeles garaging location which can affect auto insurance rates greatly.

Based on these figures, using a $100 deductible will cost you about $32 more each month or $384 annually than quoting the higher $500 deductible. Since the policyholder would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to average at least 13 months between claim filings, you would probably be better off if you choose the higher deductible.

How to determine when to raise deductibles

Average monthly premium for $100 deductibles: $142
Average monthly premium for $500 deductibles (subtract): – $110
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

One thing to note is that a higher deductible level means you will have to cover more of the damage yourself when you file a claim. That will require some extra savings in the event you have to pay the deductible for vehicle repair.

How accidents and tickets impact rates

The chart below shows how violations and at-fault fender-benders impact Toyota 4Runner insurance costs for different age categories. The premiums assume a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.

Comparison of full coverage and liability-only policies

The information below compares Toyota 4Runner insurance premiums with liability coverage only compared to full coverage. The premium estimates are based on no claims or driving citations, $250 deductibles, marital status is single, and no discounts are taken into consideration.

Should you pay for full coverage?

There is no specific rule of when to eliminate comp and collision coverage, but there is a general guideline. If the yearly cost of full coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let’s pretend your Toyota 4Runner settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company will settle for is $6,000 after paying your deductible. If it’s costing you more than $600 annually for comprehensive and collision coverage, then it could be time to drop full coverage.

There are some circumstances where only buying liability is not a good plan. If you still owe a portion of the original loan, you must maintain physical damage coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.

Choosing Toyota vehicle insurance is an important decision

Despite the potentially high cost of Toyota 4Runner insurance, buying insurance is a good idea for several reasons.

The benefits of carrying enough insurance are without a doubt worth the cost, specifically if you ever have a liability claim. An average driver in America is currently overpaying as much as $855 a year so it’s recommended you shop around once a year at a minimum to save money.

Cheaper Toyota 4Runner insurance in Los Angeles

Some providers don’t always advertise all available discounts very clearly, so the list below details some of the best known and also the lesser-known credits available to bring down your rates.Discount car insurance

Don’t be surprised that most discount credits are not given to your bottom line cost. Most cut individual premiums such as comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, car insurance companies aren’t that generous.

The diagram below visualizes the comparison of Toyota 4Runner annual premium costs with and without discounts applied. Data assumes a female driver, a clean driving record, no claims, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, multi-policy, claim-free, homeowner, and marriage discounts applied.

If you would like to see a list of providers that offer many of these discounts in Los Angeles, follow this link.

Don’t I need to get advice from a local insurance agent?

Certain consumers still prefer to visit with an insurance agent and that is not a bad decision Professional agents are highly skilled in risk management and help file insurance claims. A good thing about getting free rate quotes online is the fact that you can find lower premium rates and still choose a local agent.

Los Angeles insurance agentsOnce you complete this simple form, your coverage information is immediately sent to companies in Los Angeles who will give you bids for your business. It’s much easier because you don’t need to search for an agent since price quotes are sent to the email address you provide. If for some reason you want to compare prices for a specific company, feel free to visit that company’s website and fill out the quote form the provide.

Deciding on an provider is decision based upon more than just a cheap quote. The following questions are important to ask.

If you want to buy insurance from local Los Angeles agents, there are two different agency structures and how they can quote your rates. Los Angeles agents can either be exclusive or independent (non-exclusive). Either one can properly insure your vehicles, but it’s important to know the difference between them since it can affect which agent you choose.

Exclusive Insurance Agencies

Agents in the exclusive channel work for only one company such as State Farm or Allstate. They generally cannot provide other company’s prices so they have no alternatives for high prices. Exclusive agencies receive a lot of sales training on their company’s products which aids in selling service over price.

The following is a short list of exclusive insurance agencies in Los Angeles who can help you get price quote information.

2727 W Olympic Blvd #102Los Angeles, CA 90006(213) 480-3377View Map

Grace Jun – State Farm Insurance Agent
2426 W 8th St #218Los Angeles, CA 90057(213) 388-4955View Map

Ted Hope – State Farm Insurance Agent
2049 W Manchester AveLos Angeles, CA 90047(323) 752-4885View Map

View more agents

Independent Insurance Agencies

Agents of this type do not work for one specific company and that enables them to quote your coverage with many different companies depending on which coverage is best. If prices rise, your agent can switch companies and you don’t have to do anything. If you are comparing insurance prices, you should always get quotes from at a minimum one independent agency in order to compare the most rates.

Shown below are independent insurance agents in Los Angeles who can help you get price quotes.

5757 W Century Blvd #700Los Angeles, CA 90045(310) 348-9936View Map

621 S Westmoreland AveLos Angeles, CA 90005(213) 384-2062View Map

1601 S La Brea AveLos Angeles, CA 90019(323) 933-9888View Map

View more agents

Find cheaper rates by being thorough

You just read many ways to save on Toyota 4Runner insurance in Los Angeles. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may even find the biggest savings come from the smaller companies. They may often insure only within specific states and give better rates than the large multi-state companies such as Progressive or GEICO.

There are still a few companies who may not have the ability to get quotes online and these small, regional companies work with independent insurance agents. Budget-friendly car insurance in Los Angeles is possible from both online companies and from local agencies, so compare prices from both to get a complete price analysis.

Additional car insurance information can be found at the links below