Have you had enough of scraping the payment together to make your car insurance payment? You are no different than many other drivers in Colorado.
Unbelievable but true according to a study a large majority of drivers have bought car insurance from the same company for over three years, and just short of a majority have never compared rate quotes at all. Denver drivers could save themselves almost 35% a year by just comparing rate quotes, but they don’t understand how simple it is to go online and compare rates. Popular companies such as Progressive, State Farm and GEICO all promote huge savings with catchy ads and consumers find it hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.
If you are already insured or are looking for a new policy, take advantage of these tips to shop for the lowest rates without sacrificing coverage. Finding affordable insurance coverage in Denver is actually not that difficult if you follow our advice. Vehicle owners just have to use the least time-consuming way to find the lowest price instantly.
The fastest way that we advise to compare policy rates for Toyota FJ Cruiser insurance in Denver utilizes the fact most of the bigger providers will pay a fee to give free rates quotes. All consumers are required to do is give them some information like what you do for a living, the make and model of your vehicles, if you went to college, and types of safety features. The data gets sent immediately to multiple top-rated companies and they return quotes quickly.
To get price quotes for your Toyota FJ Cruiser now, click here then complete the form.
The companies in the list below offer price quotes in Colorado. If several companies are displayed, it’s a good idea that you get prices from several of them in order to find the most competitive rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|FJ Cruiser 2WD||$328||$506||$456||$28||$136||$1,454||$121|
|FJ Cruiser 4WD||$238||$298||$368||$22||$110||$1,036||$86|
|Get Your Own Custom Quote Go|
Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rate quotes do not factor in vehicle garaging location which can influence coverage rates significantly.
Car insurance rates by age and gender in Denver
The example below illustrates the difference between Toyota FJ Cruiser premium costs for male and female drivers. The rates are based on no violations or accidents, comp and collision included, $250 deductibles, drivers are single, and no discounts are applied to the premium.
Impact of speeding/accidents on car insurance rates
The diagram below demonstrates how traffic citations and accident claims raise Toyota FJ Cruiser auto insurance rates for each different age category. The premiums are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.
Protect your FJ Cruiser and other assets
Despite the high cost of buying insurance for a Toyota FJ Cruiser in Denver, buying auto insurance may be required and benefits you in several ways.
First, just about all states have mandatory insurance requirements which means the state requires a specific minimum amount of liability insurance coverage in order to get the vehicle licensed. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
Second, if you took out a loan on your vehicle, most banks will force you to have insurance to ensure loan repayment if the vehicle is totalled. If you do not pay your insurance premiums, the lender will be forced to insure your Toyota for a lot more money and require you to fork over much more than you were paying before.
Third, auto insurance preserves not only your Toyota but also your financial assets. It will also cover medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if you cause an accident and are sued. If your Toyota gets damaged, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.
The benefits of insuring your car outweigh the cost, particularly for liability claims. Unknowingly, the average driver is currently overpaying as much as $820 a year so you should quote your policy with other companies at every policy renewal to make sure the price is not too high.
Find Toyota FJ Cruiser Insurance for Less
Many things are considered when you quote your car insurance policy. Some are obvious such as your driving record, although others are not quite as obvious like where you live or your financial responsibility.
Get a ticket, pay higher rates – Attentive drivers tend to pay less for car insurance as compared to careless drivers. Getting just one speeding ticket or other violation can bump up the cost by as much as twenty percent. Drivers who have received serious violations such as reckless driving or DUI may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with their state in order to prevent a license revocation.
Consolidate policies and save – The majority of insurance companies provide discounts to people that have more than one policy such as combining an auto and homeowners policy. If you currently are using one company, it’s still a good idea to get quotes from other companies to verify if the discount is saving money.
Being married can lower prices – Getting married can get you a discount on your policy. Having a significant other demonstrates that you tend to be more mature and insurance companies like that married couples file fewer claims.
Driver age impacts costs – More experienced drivers are shown to be more cautious, cost insurance companies less in claims, and usually have better credit.Teen drivers are proven to be more careless when behind the wheel so auto insurance rates are higher.
Annual miles is a factor – Driving a lot of miles in a year’s time the more you’ll pay to insure it. Most insurance companies apply a rate based upon how much you drive. Cars and trucks not used for work or commuting receive lower rates than vehicles that are driven to work every day. It’s always a good idea to double check that your auto insurance declarations sheet is showing the proper vehicle usage. Having an incorrect usage rating on your FJ Cruiser may be wasting your money.
Are you male or female? – Statistics show that women are safer drivers than men. The data does not necessarily mean that males are worse at driving than females. They both are in accidents in similar numbers, but guys have accidents that have higher claims. In addition to higher claims, males also get ticketed for serious violations such as reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore pay the highest rates.
Discount Denver auto insurance quotes
Auto insurance is neither fun to buy or cheap, but there’s a good chance there are discounts that can dramatically reduce your bill. Larger premium reductions will be automatically applied when you get a quote, but some must be inquired about in order for you to get them.
- Cautious Driver Discount – Safe drivers may receive a discount up to 45% compared to rates paid by drivers with frequent claims.
- Senior Discount – Mature drivers may qualify for a discount up to 10%.
- Save with More Vehicles Insured – Buying insurance for multiple cars on the same auto insurance policy may reduce the rate for each vehicle.
- Good Student – Getting good grades can save 20 to 25%. Most companies allow this discount up to age 25.
- Seat Belt Usage – Forcing all vehicle occupants to buckle their seat belts may be able to save a few bucks off the personal injury premium cost.
- Auto/Life Discount – Some insurance companies give a small discount if you purchase some life insurance in addition to your auto policy.
- Telematics Data – Insureds that choose to allow companies to track when and where they use their vehicle through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease as long as the data is positive.
- No Accidents – Denver drivers who stay claim-free pay less as opposed to frequent claim filers.
- Clubs and Organizations – Belonging to a professional or civic organization can get you a small discount on auto insurance.
Discounts reduce rates, but you should keep in mind that most discount credits are not given to the whole policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Despite the appearance that all the discounts add up to a free policy, companies don’t profit that way.
The best auto insurance companies and their possible discounts are included below.
- State Farm may include discounts for multiple autos, Drive Safe & Save, good student, safe vehicle, defensive driving training, passive restraint, and accident-free.
- Farmers Insurance has discounts for teen driver, distant student, electronic funds transfer, multi-car, and pay in full.
- Progressive policyholders can earn discounts including multi-vehicle, good student, multi-policy, continuous coverage, online signing, online quote discount, and homeowner.
- GEICO has savings for defensive driver, good student, emergency military deployment, air bags, military active duty, and anti-lock brakes.
- Auto-Owners Insurance may offer discounts for safe vehicle, multi-policy, anti-lock brakes, anti-theft, and group or association.
- The Hartford offers discounts including good student, anti-theft, defensive driver, air bag, vehicle fuel type, and driver training.
- Farm Bureau includes discounts for safe driver, renewal discount, good student, youthful driver, 55 and retired, multi-vehicle, and driver training.
- USAA offers discounts for family discount, vehicle storage, annual mileage, multi-policy, loyalty savings, and military installation.
It’s a good idea to ask each company which discounts they offer. A few discounts may not apply in your area. If you would like to see a list of companies that offer multiple discounts in Denver, click here to view.
When to talk to an insurance agent
Some consumers would prefer to sit down with an agent and there is nothing wrong with that. Professional insurance agents are trained risk managers and help submit paperwork. One of the great benefits of comparing car insurance online is you may find lower rates but still work with a licensed agent. And buying from neighborhood agents is definitely important in Denver.
To help locate an agent, after submitting this short form, your insurance data is submitted to companies in Denver that provide free Denver car insurance quotes and help you find cheaper coverage. There is no reason to even leave your home since rate quotes are delivered straight to your inbox. If you want to compare prices from a specific car insurance provider, you just need to go to their quote page and submit a quote form there.
Independent or Exclusive: It’s your choice
When searching for a local agent, it’s helpful to know the types of insurance agents that differ in how they can insure your vehicles. Agents in Denver can be categorized as either independent or exclusive depending on the company they work for. Either type can write car insurance policies, but it’s important to point out the difference in the companies they write for since it can affect buying decisions.
Independent Car Insurance Agencies
Agents of this type can quote rates with many companies so they can quote policies amongst many companies and get the cheapest rates. If you want to switch companies, your agent can just switch to a different company and the insured can keep the same agent.
When comparing rates, we highly recommend that you compare quotes from a couple of independent agencies in order to have the best price comparison.
Featured below is a short list of independent agencies in Denver that can give you price quote information.
Gonzalez Insurance Agency
6450 E Colfax Ave – Denver, CO 80220 – (303) 320-4901 – View Map
Exclusive Car Insurance Agencies
Exclusive agents can only write with one company like Farmers Insurance and State Farm. Exclusive agents cannot compare other company’s rates so they really need to provide good service. They are usually well trained on their products and sales techniques which helps them sell on service rather than price.
Shown below are exclusive insurance agencies in Denver willing to provide rate quotes.
Caramel Russell-Rouse – State Farm Insurance Agent
999 S Monaco Pkwy #200 – Denver, CO 80224 – (303) 424-0420 – View Map
Finding the right insurance agent requires more thought than just the bottom line cost. Any agent in Denver should be willing to answer these questions.
- What company do they have the most business with?
- Can you contact them at any time?
- Do they get paid more for recommending certain coverages?
- Do they have cheaper tiers of coverage?
- What is their Better Business Bureau rating?
Once you have received positive responses to these questions and an acceptable price quote, it’s a good possibility that you have found an insurance agency that can be trusted to properly insure your vehicles. But remember, you can always terminate coverage for any reason so never feel that you’re stuck with your new company for the full policy term.
One last note
Cost effective Toyota FJ Cruiser insurance can be found both online and with local Denver insurance agents, so get free Denver car insurance quotes from both of them to get a complete price analysis. There are still a few companies who don’t offer online price quotes and most of the time these regional carriers only sell through independent insurance agents.
You just learned some good ideas how to compare Toyota FJ Cruiser insurance prices in Denver. The key thing to remember is the more quotes you get, the better your comparison will be. You may even be surprised to find that the biggest savings come from a company that doesn’t do a lot of advertising. These companies may only write in your state and offer lower rates compared to the large companies like Allstate, GEICO and Progressive.
When trying to cut insurance costs, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many cases where an insured cut comprehensive coverage or liability limits only to find out that they should have had better coverage. The goal is to find the BEST coverage at the best price, but don’t skip important coverages to save money.
- Rollover Crash FAQ (iihs.org)
- Who Has Affordable Denver Auto Insurance Rates for State Employees? (FAQ)
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- How Can I Save Money on Auto Insurance? (Insurance Information Institute)
- Alcohol Impaired Driving FAQ (iihs.org)