Insurance for Toyota FJ CruiserHow long has it been since you compared more competitive Toyota FJ Cruiser insurance in Fort Collins? If you're new to shopping for Fort Collins auto insurance quotes online, it's easy to be baffled thanks to all the different types of car insurance companies all claiming to have the lowest rates for Toyota FJ Cruiser insurance in Fort Collins.

It's hard to believe, but about 70% of customers have been with the same company for well over three years, and 38% of customers have never even compared quotes to find cheap rates. The average driver in Fort Collins could save themselves roughly $610 a year just by comparing rates, but they don't know the large savings they would see if they swap their current policy for a cheaper one.

Buying the cheapest insurance in Fort Collins is actually quite simple. In essence, anyone who is required by state law to have insurance will get better rates. But Colorado consumers must know the way insurance companies charge you for coverage because rates are impacted by many factors.

How to compare free Fort Collins Toyota FJ Cruiser insurance quotes

When comparing insurance rates, know that comparing a large number of companies will enable you to find a lower rate than you're paying now. Not every company does Fort Collins FJ Cruiser insurance quotes over the internet, so it's important to compare price quotes from the smaller companies as well.

The companies in the list below are our best choices to provide price quotes in Fort Collins, CO. If several companies are displayed, we suggest you compare several of them in order to find the lowest rates.

Toyota FJ Cruiser Insurance Rates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
FJ Cruiser 2WD $276 $372 $474 $28 $142 $1,292 $108
FJ Cruiser 4WD $368 $440 $358 $22 $108 $1,296 $108
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Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Price estimates do not factor in specific zip code location which can raise or lower coverage rates substantially.

Male drivers versus female drivers

The information below visualizes the comparison of Toyota FJ Cruiser insurance rates for male and female drivers. The costs are based on no tickets, no at-fault accidents, full physical damage coverage, $250 deductibles, drivers are single, and no discounts are applied to the premium.

Comparison of policy deductibles

When shopping for auto insurance, a common question is how high should your deductibles be. The comparisons below summarize the costs and benefits of buying low and high insurance deductibles. The first price estimate table uses a $250 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.

Toyota FJ Cruiser insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
FJ Cruiser 2WD $306 $376 $352 $20 $106 $1,185 $99
FJ Cruiser 4WD $342 $376 $352 $20 $106 $1,221 $102
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Toyota FJ Cruiser insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
FJ Cruiser 2WD $190 $236 $352 $20 $106 $904 $75
FJ Cruiser 4WD $210 $236 $352 $20 $106 $924 $77
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Price information does not factor in the specific area where the vehicle is garaged which can lower or raise coverage prices substantially.

Using the data above, we can ascertain that using a $250 deductible could cost the average driver approximately $25 more each month or $300 every year than requesting the higher $1,000 deductible. Since you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you go at least 30 months between claim filings, you would probably save some money if you choose the higher deductible.

How to calculate when to raise deductibles

Average monthly premium for $250 deductibles: $101
Average monthly premium for $1,000 deductibles (subtract): - $76
Monthly savings from raising deductible: $25
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $25
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 30 months

One important note is that increasing deductibles to save money results in having to pay to pay more out-of-pocket when you have a claim. You need to make sure you have some extra savings in the event you need to pay the deductible to have repairs made.

An analysis of deductible level

The chart below demonstrates how deductibles and can raise or lower Toyota FJ Cruiser insurance rates for different age groups of insureds. The prices are based on a single male driver, full coverage, and no additional discounts are factored in.

Three reasons to not skimp on auto insurance

Despite the high cost of buying insurance for a Toyota FJ Cruiser in Fort Collins, maintaining insurance serves a purpose in several ways.

The benefits of having auto insurance more than offset the price you pay, especially with large liability claims. According to a survey of 1,000 drivers, the average driver is wasting up to $855 a year so compare rate quotes once a year at a minimum to ensure rates are competitive.

Do drivers who switch really save $431 a year?

Companies like Progressive, GEICO, Allstate and State Farm constantly bombard you with ads on television and other media. All the companies advertise claims that people will save if you get a free Fort Collins auto insurance quote and switch your coverage. It sounds good, but how can they all claim to save you money? Here is the trick they use.

All companies give the best rates for the type of customer that will be a good risk. An example of a profitable customer could possibly be a female over age 40, has no claims, and drives newer vehicles. A propective insured that fits those parameters will most likely get cheap auto insurance rates as well as cut their rates substantially.

People who do not meet these standards will get higher premium rates which usually ends up with the driver buying from a lower-cost company. If you listen closely, the ads state "drivers that switch" not "everybody who quotes" can save as much as they claim. That's the way companies can truthfully lure you into getting a quote. Different companies use different criteria so drivers should compare price quotes frequently. Because without a comparison, you cannot know with any certainty which company will give you the biggest savings.

Cheaper rates with these discounts

The cost of insuring your cars can be expensive, but you may be missing some discounts that you may not even be aware of. Many of these discounts will be applied automatically at the time you complete a quote, but a few must be asked about before you get the savings.Save money with discounts

Discounts reduce rates, but you should keep in mind that most credits do not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability and collision coverage. So when it seems like all the discounts add up to a free policy, companies don't profit that way.

A few of the larger companies and some of the discounts are shown below.

Before you buy a policy, ask each company to apply every possible discount. Some of the discounts discussed earlier may not apply to policies in every state.

Buying insurance from Fort Collins car insurance agents

A lot of people still like to talk to an insurance agent and often times that is recommended One of the great benefits of comparing rate quotes online is the fact that you can find cheaper rates and still choose a local agent.

To find an agent, once you fill out this simple form, your information is immediately sent to insurance agents in Fort Collins who will give you bids and help you find cheaper coverage. You won't need to search for an agent since rate quotes are delivered to you instantly. Get lower rates and a licensed agent to work with. If for some reason you want to compare prices from a specific insurance company, you can always navigate to their website to submit a rate quote request.

Finding the right insurance company requires you to look at more than just a cheap price quote. These are some valid questions you should ask.

Below are agents in Fort Collins that may be willing to give price quotes for Toyota FJ Cruiser insurance in Fort Collins.

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Insurance can get complicated

When it comes to choosing insurance from an agent or online, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.Higher deductibles save money

These are some specific questions might point out if your insurance needs would benefit from professional advice.

If you don't know the answers to these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Find cheap rates by being thorough

Insureds change insurance companies for any number of reasons including extreme rates for teen drivers, delays in paying claims, high rates after DUI convictions and policy cancellation. Regardless of your reason for switching companies, choosing a new company is pretty easy and you might even save some money in the process.

When trying to cut insurance costs, it's a bad idea to reduce needed coverages to save money. In many instances, drivers have reduced liability limits or collision coverage only to regret that the few dollars in savings costed them thousands. Your strategy should be to purchase a proper amount of coverage at the best possible price.

We've covered a lot of information how to save on Toyota FJ Cruiser insurance in Fort Collins. The key thing to remember is the more providers you compare, the better likelihood of getting inexpensive Fort Collins auto insurance quotes. Consumers could even find that the most savings is with some of the lesser-known companies.

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