The best way to find low-cost prices for Toyota 4Runner insurance in Tucson is to compare quotes once a year from companies in Arizona. Rate comparisons can be done by following these guidelines.
Step 1: Try to comprehend what is in your policy and the modifications you can make to keep rates low. Many policy risk factors that result in higher prices like traffic violations, accidents, and a not-so-good credit score can be eliminated by making minor driving habit or lifestyle changes.
Step 2: Quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from a single company like GEICO or Farmers Insurance, while agents who are independent can provide price quotes for a wide range of insurance providers. Start a quote
Step 3: Compare the new rate quotes to your existing coverage and determine if cheaper 4Runner coverage is available. If you find a lower rate quote and switch companies, make sure coverage does not lapse between policies.
Step 4: Tell your current company to cancel your current auto insurance policy. Submit the signed application along with the required initial payment to the new insurer. As soon as you can, place your new certificate verifying proof of insurance in a readily accessible location in your vehicle.
An essential thing to point out is to use the same liability limits and deductibles on every quote request and and to compare every company you can. Doing this ensures an accurate price comparison and a good representation of prices.
Unbelievable but true according to a study the vast majority of drivers have purchased from the same company for a minimum of four years, and nearly the majority have never compared rates with other companies. The average driver in Arizona can save hundreds of dollars each year just by getting comparison quotes, but they just don’t understand the large savings they would see if they bought a different policy.
It’s important to know that comparing a large number of companies helps you find better pricing.
The companies in the list below are ready to provide quotes in Tucson, AZ. To find the best auto insurance in Tucson, AZ, we recommend you visit two to three different companies to get the best price comparison.
Auto insurance data for a Toyota 4Runner
The premium information shown below covers estimates of policy rates for Toyota 4Runner models. Having a better idea how rate quotes are figured can help guide drivers when making informed decisions when comparing rate quotes.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|4Runner Sport 2WD||$224||$314||$268||$16||$80||$902||$75|
|4Runner SR/5 2WD||$224||$382||$268||$16||$80||$970||$81|
|4Runner Sport 4WD||$224||$382||$268||$16||$80||$970||$81|
|4Runner SR/5 4WD||$224||$382||$268||$16||$80||$970||$81|
|4Runner Trail Edition 4WD||$250||$450||$268||$16||$80||$1,064||$89|
|4Runner Limited 2WD||$250||$450||$268||$16||$80||$1,064||$89|
|4Runner Limited 4WD||$250||$450||$268||$16||$80||$1,064||$89|
|Get Your Own Custom Quote Go|
Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Premium costs do not factor in specific location information which can change prices noticeably.
One of the hardest decisions when shopping for auto insurance is the level to set your comp and collision deductibles. The premium rates below may help to conceptualize the difference in cost when you choose different policy deductibles. The first price estimate table uses a $100 deductible for comp and collision and the second rate chart uses a $1,000 deductible.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|4Runner Sport 2WD||$292||$382||$254||$16||$76||$1,045||$87|
|4Runner SR/5 2WD||$292||$466||$254||$16||$76||$1,129||$94|
|4Runner Sport 4WD||$292||$466||$254||$16||$76||$1,129||$94|
|4Runner SR/5 4WD||$292||$466||$254||$16||$76||$1,129||$94|
|4Runner Trail Edition 4WD||$324||$548||$254||$16||$76||$1,243||$104|
|4Runner Limited 2WD||$324||$548||$254||$16||$76||$1,243||$104|
|4Runner Limited 4WD||$324||$548||$254||$16||$76||$1,243||$104|
|Get Your Own Custom Quote Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|4Runner Sport 2WD||$162||$202||$254||$16||$76||$710||$59|
|4Runner SR/5 2WD||$162||$246||$254||$16||$76||$754||$63|
|4Runner Sport 4WD||$162||$246||$254||$16||$76||$754||$63|
|4Runner SR/5 4WD||$162||$246||$254||$16||$76||$754||$63|
|4Runner Trail Edition 4WD||$180||$290||$254||$16||$76||$816||$68|
|4Runner Limited 2WD||$180||$290||$254||$16||$76||$816||$68|
|4Runner Limited 4WD||$180||$290||$254||$16||$76||$816||$68|
|Get Your Own Custom Quote Go|
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Table data does not factor in specific garaging location which can decrease or increase premiums significantly.
Based on the above data, using a $100 deductible will cost you about $32 more each month or $384 annually than choosing the higher $1,000 deductible. Since you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go more than 28 months between claims, you would probably save some money if you opt for a higher deductible. The table below illustrates how you can perform this determination yourself.
|Average monthly premium for $100 deductibles:||$97|
|Average monthly premium for $1,000 deductibles (subtract):||– $65|
|Monthly savings from raising deductible:||$32|
|Difference between deductibles ($1,000 – $100):||$900|
|Divide difference by monthly savings:||$900 / $32|
|Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible||28 months|
The information below shows how different deductible levels and can raise or lower Toyota 4Runner insurance costs for different age groups. The information is based on a single female driver, full coverage, and no discounts are applied to the premium.
Toyota 4Runner insurance costs by age and gender
The diagram below compares Toyota 4Runner car insurance costs for male and female drivers. The data assumes a clean driving record, no claims, full coverage, $1,000 deductibles, single marital status, and no discounts are applied to the premium.
Does it make sense to buy full coverage?
The information below visualizes the comparison of Toyota 4Runner auto insurance rates when comparing full coverage to state minimum liability only. The costs are based on no claims or driving violations, $500 deductibles, marital status is single, and no additional discounts are factored in.
Guidelines for eliminating full coverage
There is no exact formula to drop comp and collision coverage, but there is a general guideline. If the annual cost of your full coverage insurance is more than 10% of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your Toyota 4Runner replacement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $8,000 after paying your policy deductible. If you are paying in excess of $800 annually to have full coverage, then you may need to consider dropping full coverage.
There are some conditions where dropping physical damage coverage is not financially feasible. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not drop full coverage.
Why do I need car insurance?
Despite the high cost, paying for car insurance is not optional due to several reasons.
- Most states have minimum liability requirements which means you are required to carry specific minimum amounts of liability protection in order to drive the car legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you took out a loan on your vehicle, almost all lenders will make it a condition of the loan that you buy insurance to guarantee payment of the loan. If you cancel or allow the policy to lapse, the lender will be forced to insure your Toyota at a much higher premium rate and force you to pay the higher price.
- Insurance protects your vehicle and your assets. It also can pay for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if you are sued as the result of an accident. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.
The benefits of carrying adequate insurance definitely exceed the cost, especially for larger claims. Today the average American driver is wasting up to $865 each year so it’s recommended you shop around at every policy renewal to help ensure money is not being wasted.
You Can Change Your Insurance Premiums
Many factors are used when premium rates are determined. Some are pretty understandable like an MVR report, but other criteria are more transparent such as your marital status or your vehicle rating. An important part of buying insurance is that you know the rating factors that aid in calculating your premiums. When you understand what positively or negatively impacts your premiums, this helps enable you to make changes that will entitle you to lower premium levels.
The items below are some of the factors that factor into your premiums.
Frequent policy claims will cost more – Auto insurance companies in Arizona give most affordable rates to policyholders who only file infrequent claims. If you are the type of insured that files lots of claims you can expect increased rates or even have your policy non-renewed. Insurance coverage is meant to be used in the event of claims that pose a financial burden.
Safer cars are cheaper to insure – Cars with high safety ratings tend to be cheaper to insure. Highly rated vehicles result in less severe injuries and reduced instances of injuries translates into savings for insurance companies and cheaper rates on your policy.
Tickets can increase costs – A bad driving record has a big impact on rates. Drivers with clean records pay lower auto insurance prices compared to drivers with tickets. Even one chargeable violation can increase rates by as much as thirty percent. Drivers who have received serious violations like reckless driving, hit and run or driving under the influence may be required to file a SR-22 with their state motor vehicle department in order to prevent a license revocation.
The chart below shows how speeding tickets and fender-benders can increase Toyota 4Runner yearly insurance costs for different age categories. The premiums assume a single female driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.
Extra policy coverages are wasting money – Insurance companies have many additional coverages you can purchase on your 4Runner policy. Insurance for things like personal injury protection, better glass coverage, and Farm Bureau memberships are examples of these. They may sound like good ideas when buying your policy, but if they’re wasting money remove them and pocket the money.
Do you know your physical damage deductibles? – Protection for physical damage, aka comp and collision, is used to repair damage to your vehicle. Some examples of covered claims are a dented fender, damage caused by hail, and damage from a fallen tree branch. Comprehensive and collision coverage deductibles are the amount of money you are required to spend out-of-pocket if a covered claim is submitted. The higher the amount you’re willing to pay, the lower your rates will be.
Toyota 4Runner insurance loss probability – Auto insurance companies analyze the history of losses as a tool for profitable underwriting. Vehicles that the data determines to have a higher amount or frequency of claims will have increased rates. The table below outlines the actual insurance loss data for Toyota 4Runner vehicles.
For each policy coverage type, the loss probability for all vehicles combined as an average is represented as 100. Percentages below 100 suggest a better than average loss history, while values that are above 100 indicate frequent claims or tendency to have larger claims.
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Toyota 4Runner 4dr 2WD||75||92||83||76||66||75|
|Toyota 4Runner 4dr 4WD||78||88||110||67||59||74|
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Lower-cost Tucson auto insurance rates with discounts
Car insurance companies don’t always list all their discounts very well, so the next list breaks down some of the best known in addition to some of the lesser obvious credits available to lower your premiums when you buy Tucson car insurance online. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.
- Bundled Policy Discount – If you can combine your homeowners and auto policy with one company you may earn at least 10 to 15 percent or more.
- Low Miles Discount – Driving less may enable drivers to earn substantially lower rates.
- Multiple Vehicles – Purchasing coverage when you have more than one vehicle on the same auto insurance policy could earn a price break for each car.
- Pay Now and Pay Less – If you pay your entire premium ahead of time as opposed to paying monthly you may reduce your total bill.
- Safety Course Discount – Completing a course that instructs on driving safety could earn you a small percentage discount and easily recoup the cost of the course.
- Good Students Pay Less – Maintaining excellent grades can save 20 to 25%. You can use this discount normally up to age 25.
- Buy New and Save – Adding a new car to your policy can save you some money compared to insuring an older model.
- Telematics Discount – Drivers who elect to allow driving data collection to spy on vehicle usage by installing a telematics device such as State Farm’s In-Drive could see a rate decrease if they exhibit good driving behavior.
- Government Employees – Simply working for the federal government could qualify for a slight premium decrease depending on your company.
- Active Service Discounts – Having an actively deployed family member could mean lower auto insurance rates.
Policy discounts save money, but many deductions do not apply to the entire cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. Even though it appears all the discounts add up to a free policy, companies don’t profit that way. Any amount of discount will reduce your overall premium however.
The example below shows the difference between Toyota 4Runner auto insurance costs with and without policy discounts. The rate quotes are based on a female driver, no claims or driving citations, Arizona 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 homeowner, multi-policy, safe-driver, claim-free, marriage, and multi-car discounts applied.
A few of the larger companies and their offered discounts are:
- American Family offers discounts for good student, TimeAway discount, air bags, early bird, and Steer into Savings.
- Farm Bureau may have discounts that include multi-vehicle, driver training, youthful driver, renewal discount, 55 and retired, safe driver, and good student.
- State Farm offers discounts including anti-theft, safe vehicle, defensive driving training, Drive Safe & Save, good driver, good student, and multiple autos.
- Travelers has discounts for payment discounts, early quote, multi-car, student away at school, driver training, and home ownership.
- The Hartford may include discounts for anti-theft, defensive driver, air bag, vehicle fuel type, and bundle.
- GEICO policyholders can earn discounts including defensive driver, anti-lock brakes, driver training, multi-vehicle, military active duty, membership and employees, and emergency military deployment.
- Progressive may offer discounts for homeowner, multi-policy, online signing, online quote discount, and multi-vehicle.
Double check with all the companies how many discounts you can get. Some credits may not apply everywhere. To choose auto insurance companies who offer discounts in Arizona, click here to view.
When in doubt talk to an agent
When buying proper insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Your needs are unique to you and your auto insurance should unique, too.
For instance, these questions can aid in determining whether or not you may require specific advice.
- Am I covered if I drive in a foreign country?
- Is my business laptop covered if it gets stolen from my vehicle?
- Where can I find high-risk insurance?
- Should I sign the liability waiver when renting a car?
- What does roadside assistance cover?
- Am I covered when driving a rental car?
If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.
Local Tucson car insurance agents
A small number of people still like to buy from a licensed agent and that is not a bad decision An additional benefit of price shopping on the web is you can get cheap auto insurance rates but also keep your business local. And buying from local insurance agencies is important particularly in Tucson.
For easy comparison, once you complete this quick form, the quote information is transmitted to companies in Tucson who will give you quotes and help you find cheaper coverage. There is no need to do any legwork since price quotes are sent immediately to you. It’s the lowest rates AND an agent nearby. If you have a need to get a comparison quote from a specific insurance company, you would need to go to their quote page and give them your coverage information.
Two types of auto insurance agents
If you’re trying to find local Tucson agents, it helps to know the two different types of agents and how they function. Agencies in Tucson may be either independent or exclusive.
Independent Insurance Agents
Agents of this type are appointed with more than one company and that allows them to write policies with many different companies and find you the best rates. If you are not satisfied with one company, the business is moved internally and you don’t have to switch agencies. If you need lower rates, you will want to include a few independent agents to have the most options to choose from. Most have the option of insuring with smaller regional carriers which can be an advantage.
Listed below is a small list of independent agents in Tucson that may be able to give you free auto insurance quotes.
- AZ Insurance Center
8880 E Speedway Blvd #101 – Tucson, AZ 85710 – (520) 722-0665 – View Map
- Pacific International Insurance, LLC
2193 N Camino Principal – Tucson, AZ 85715 – (520) 886-3066 – View Map
- DM Lovitt Insurance Agency
607 N 6th Ave – Tucson, AZ 85705 – (520) 798-1888 – View Map
Exclusive Auto Insurance Agencies
Exclusive insurance agents are contracted to one company and examples are Allstate, Farmers Insurance or State Farm. They generally cannot compare other company’s rates so if the price isn’t competitive there isn’t much they can do. Exclusive agents receive a lot of sales training on sales techniques which aids in selling service over price. Consumers frequently choose to use an exclusive agent mostly because of the brand name rather than low rates.
The following are exclusive agents in Tucson that are able to give price quote information.
- Rick McGee – State Farm Insurance Agent
7630 N la Cholla Blvd – Tucson, AZ 85741 – (520) 529-4676 – View Map
- GEICO Insurance Agent
3255 E Speedway Blvd – Tucson, AZ 85716 – (520) 747-4223 – View Map
- Gene Molina – State Farm Insurance Agent
2160 W Holladay St – Tucson, AZ 85746 – (520) 883-1500 – View Map
Choosing an insurance agency requires more thought than just a cheap price. Any agent in Tucson should be forthright in answering these questions:
- Can you contact them at any time?
- Which companies can they place coverage with?
- Will a damage claim use OEM or aftermarket replacement parts?
- In the event of vehicle damage, can you pick the collision repair facility?
- What are their preferred companies if they are an independent agency?
Ratings for Arizona car insurance companies
Choosing the top car insurance provider can be a challenge considering how many companies there are to choose from in Arizona. The ranking data shown next may help you choose which providers to look at comparing price quotes from.
Top 10 Tucson Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Tucson Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%
Affordable auto insurance rates are possible
As you prepare to switch companies, it’s very important that you do not buy lower coverage limits just to save a few bucks. Too many times, an insured cut uninsured motorist or liability limits only to regret that it was a big mistake. Your aim should be to get the best coverage possible at the lowest possible cost while still protecting your assets.
We’ve covered some good ideas how you can compare Toyota 4Runner insurance car insurance rates in Tucson. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may even discover the lowest car insurance rates are with the smaller companies. Some small companies may cover specific market segments cheaper than their larger competitors like Progressive and GEICO.
Additional information can be found at these links:
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- How Much is Auto Insurance for a Company Car in Tucson? (FAQ)
- What Insurance is Cheapest for Drivers Over Age 70 in Tucson? (FAQ)
- Who Has the Cheapest Car Insurance for a Honda CR-V in Tucson? (FAQ)
- How Much is Auto Insurance for Handicapped Drivers in Tucson? (FAQ)
- What Insurance is Cheapest for a Chevrolet Silverado in Tucson? (FAQ)
- Who Has the Cheapest Tucson Car Insurance Rates for Real Estate Agents? (FAQ)
- Liability Insurance Coverage (Nationwide)
- Frontal Crash Tests (iihs.org)
- Child Safety FAQ (iihs.org)