Want to learn how to save money and find lower-priced Toyota FJ Cruiser insurance in New Orleans? Feeling guilty for buying an expensive insurance policy? Don’t feel bad because many consumers are feeling buyer’s remorse and feel like there’s no way out.
Unthinkable but true, a large majority of insurance policyholders renewed their policy with the same company for over three years, and nearly the majority have never quoted rates to find cheap coverage. With the average insurance premium being $2,900, Louisiana drivers could save an average of almost $900 each year, but they assume it’s a waste of time to compare rate quotes online. Numerous car insurance companies battle for your hard-earned dollar, so it can be very hard to choose a provider to discover the definitive lowest cost out there.
Learn How to Buy Auto Insurance More Affordably
Multiple criteria are part of the equation when quoting car insurance. Some are pretty understandable such as your driving history, but other criteria are less obvious like your vehicle usage and annual miles driven.
Listed below are some of the most rate-impacting factors that factor into your rates.
Multi-policy discounts can save money – Some auto insurance companies give a discount for people that purchase more than one policy such as combining an auto and homeowners policy. Discounts can be five, ten or even twenty percent. Even with this discount, drivers will still want to get quotes from other companies to help guarantee you have the best rates.
Higher rates for specific employers – Occupations like military personnel, business owners, and dentists tend to pay higher rates than average because of high stress and long work days. Other careers like professors, engineers and performers generally pay rates lower than average.
Keep the miles off and save – Driving more miles each year the higher your rate. A lot of insurance companies charge to insure your cars based on how the vehicle is used. Cars that are left in the garage receive better premium rates compared to those used for work or business. An improperly rated FJ Cruiser is just wasting money. Verify your auto insurance declarations sheet states the right rating data, because it can save money.
Defend yourself with liability protection – A critical coverage on your policy, liability insurance will protect you if ever a court rules you are at fault for causing personal injury or damage in an accident. This coverage provides you with a defense in court up to the limits shown on your policy. It is affordable coverage compared to other policy coverages, so do not cut corners here.
Extra coverages may be wasting money – Policies have extra add-on coverages you can purchase but may not be useful. Coverages like replacement cost coverage, accidental death, and extra life insurance coverage may be wasting your money. The coverages may be enticing when talking to your agent, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
Affects performance affects auto insurance prices – The type of car or truck you need to insure makes a significant difference in how high your rates are. Small economy passenger vehicles receive the most favorable rates, but the cost you end up paying is determined by many additional factors.
The following chart assumes a single female driver age 30, full coverage with $1000 deductibles, and no discounts or violations. It shows Toyota FJ Cruiser policy rates compared to other models that have a range of performance rating factors.
How’s your driving record? – Attentive drivers pay lower auto insurance prices as compared to those with violations. Having a single ticket can increase the cost of insurance to the point where it’s not affordable. Drivers who have received severe violations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to prevent a license revocation.
The information below shows how speeding tickets and accidents influence Toyota FJ Cruiser insurance costs for each age group. The premium estimates are based on a single female driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.
The quickest method we recommend to get policy rate comparisons for Toyota FJ Cruiser insurance in New Orleans is to know almost all companies participate in a system to quote your coverage. The only thing you need to do is take a few minutes to give details including what your job is, if a SR-22 is required, deductibles desired, and which vehicles you own. Your insurance information gets transmitted to multiple insurance providers and you should receive rate quotes with very little delay.
To check rates for your car now, click here and enter the information requested.
The companies in the list below have been selected to offer free rate quotes in Louisiana. In order to find the cheapest auto insurance in New Orleans, it’s highly recommended you compare several of them in order to get a fair rate comparison.
Car insurance analysis for a Toyota FJ Cruiser
The coverage table shown below covers different rate quotes for Toyota FJ Cruiser models. Learning as much as possible about how policy premiums are formulated helps drivers make decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FJ Cruiser 2WD | $388 | $612 | $524 | $32 | $158 | $1,714 | $143 |
| FJ Cruiser 4WD | $432 | $612 | $524 | $32 | $158 | $1,758 | $147 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Louisiana minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Table data does not factor in garaging location in New Orleans which can change auto insurance rates considerably.
Choosing deductibles
A question often asked by New Orleans drivers is how high should the physical damage deductibles be. The rates below help summarize the price difference of buying low and high policy deductibles. The first pricing table uses a $100 deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FJ Cruiser 2WD | $452 | $594 | $464 | $28 | $140 | $1,703 | $142 |
| FJ Cruiser 4WD | $502 | $594 | $464 | $28 | $140 | $1,753 | $146 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FJ Cruiser 2WD | $330 | $400 | $464 | $28 | $140 | $1,362 | $114 |
| FJ Cruiser 4WD | $366 | $400 | $464 | $28 | $140 | $1,398 | $117 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Prices do not factor in specific location information which can influence price quotes noticeably.
Based on these figures, using a $100 deductible costs about $28 more each month or $336 every year across all Toyota FJ Cruiser models than selecting the higher $500 deductible. Because you 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 go at a minimum 14 months between claims, you would save more money if you choose the higher deductible.
How to calculate if a higher deductible is a good decision
| Average monthly premium for $100 deductibles: | $144 |
| Average monthly premium for $500 deductibles (subtract): | – $116 |
| Monthly savings from raising deductible: | $28 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $28 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 14 months |
The example below shows how different deductible levels and can change Toyota FJ Cruiser insurance prices for each age group. The rates are based on a married female driver, comprehensive and collision coverage, and no discounts are applied.
Insurance protects more than just your car
Despite the potentially high cost of Toyota FJ Cruiser insurance, insuring your vehicle is required in Louisiana but also provides important benefits.
- Almost all states have mandatory insurance requirements which means you are required to buy specific limits of liability insurance coverage if you drive a vehicle. In Louisiana these limits are 15/30/25 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you bought your Toyota FJ Cruiser with a loan, it’s guaranteed your bank will have a requirement that you have comprehensive coverage to protect their interest in the vehicle. If coverage lapses or is canceled, the bank will be required to insure your Toyota at a much higher rate and force you to pay for it.
- Insurance protects your Toyota FJ Cruiser and your assets. It will also pay for hospital and medical expenses for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, will also pay attorney fees in the event you are sued. If you have damage to your Toyota as the result of the weather or an accident, collision and comprehensive coverages will pay to repair the damage.
The benefits of buying insurance are definitely more than the cost, particularly for liability claims. As of last year, the average driver in Louisiana is overpaying more than $865 each year so you should quote rates each time the policy renews to help ensure money is not being wasted.
Auto insurance discounts help lower rates for Toyota FJ Cruiser insurance in New Orleans
Auto insurance is neither fun to buy or cheap, but you can get discounts that could help you make your next renewal payment. Certain discounts will be applied at the time of quoting, but a few need to be inquired about before you will receive the discount.
- Seat Belts Save – Buckling up and requiring all passengers to fasten their seat belts could cut 10% or more off the PIP or medical payment premium.
- Data Collection Discounts – Policyholders that allow data collection to scrutinize driving manner through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates as long as they are good drivers.
- Discounts for Safe Drivers – Insureds without accidents can save as much as half off their rates compared to accident prone drivers.
- Accident Free – Insureds who avoid accidents and claims get the best auto insurance rates compared to bad drivers.
- Driver’s Ed – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class in school.
- Switch and Save Discount – Some auto insurance companies reward drivers for switching companies before your current coverage expires. Ten percent is about the average savings.
- Defensive Driver – Taking part in a course in safe driver can save you 5% or more depending on where you live.
- Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% with some auto insurance companies.
- Accident Forgiveness – This one isn’t a discount, but companies like GEICO, Progressive, and Allstate may permit one accident without raising rates with the catch being you have to be claim-free for a set time period.
- Paperwork-free – Certain insurance companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.
As a disclaimer on discounts, most of the big mark downs will not be given to the whole policy. Most only cut specific coverage prices like comp or med pay. Just because you may think having all the discounts means you get insurance for free, companies don’t profit that way.
The illustration below illustrates the comparison of Toyota FJ Cruiser auto insurance rates with and without discounts applied. The rates are based on a female driver, no accidents or driving violations, Louisiana 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 homeowner, multi-car, marriage, safe-driver, claim-free, and multi-policy discounts applied.
If you would like to choose from a list of companies who offer free Toyota FJ Cruiser insurance quotes in New Orleans, click here to view.
Auto insurance agents near you
Many people still like to talk to a local agent and that can be a great decision Good insurance agents are trained risk managers and help you file claims. One of the great benefits of getting online price quotes is that you can find cheaper premium rates and also buy local.
Once you complete this quick form, your insurance coverage information is sent to agents in your area that can give you free New Orleans car insurance quotes for your insurance coverage. There is no reason to search for any insurance agencies since price quotes are sent to the email address you provide. If you have a need to compare rates from a specific insurance provider, don’t hesitate to navigate to their website and complete a quote there.
Finding a good company needs to be determined by more than just the quoted price. Any agent in New Orleans should be forthright in answering these questions:
- Can glass repairs be made at your home?
- How experienced are they in personal risk management?
- If they are an independent agency in New Orleans, which companies do they recommend?
- Is the agent properly licensed in Louisiana?
- Will high miles depreciate repair valuations?
If you are wanting to purchase insurance from local New Orleans agents, you need to know there are two types of insurance agents and how they are slightly different. Insurance agents may be either independent (non-exclusive) or exclusive. Either one can sell and service insurance coverage, but it’s worth learning the difference in the companies they write for since it may influence which agent you choose.
Exclusive Insurance Agencies
These type of agents can only provide pricing for a single company like American Family, State Farm, and Allstate. They usually cannot compare other company’s rates so they really need to provide good service. Exclusive agents receive a lot of sales training on their company’s products which helps them sell insurance even at higher premiums.
Below is a short list of exclusive insurance agents in New Orleans who may provide you with rate quotes.
Reggie Glass – State Farm Insurance Agent
3800 Elysian Fields Ave – New Orleans, LA 70122 – (504) 944-4444 – View Map
Allstate Insurance: Paul Scaffidi
720 Harrison Ave c – New Orleans, LA 70124 – (504) 822-8007 – View Map
Chase Dardar – State Farm Insurance Agent
6301 S Claiborne Ave – New Orleans, LA 70125 – (504) 861-4529 – View Map
Independent Insurance Agencies
Independent agencies are not employed by one company so they can quote policies with multiple insurance companies and find the cheapest insurance rates. To move your coverage to a new company, the agent simply finds a different carrier and the insured can keep the same agent. When shopping rates, it’s a good idea to include rate quotes from several independent insurance agents so that you have a good selection of quotes to compare.
Shown below is a short list of independent agents in New Orleans that can give you comparison quotes.
Pat Leboeuf Insurance
601 Seguin St – New Orleans, LA 70114 – (504) 361-4600 – View Map
Underwriters Insurance Agency
10709 Chef Menteur Hwy #1 – New Orleans, LA 70127 – (504) 302-0620 – View Map
Bob Swanson Insurance
824 Elmwood Park Blvd #295 – New Orleans, LA 70123 – (504) 734-0305 – View Map
Best car insurance company in New Orleans
Buying coverage from a high-quality insurance provider is hard considering how many different companies sell coverage in Louisiana. The company ratings listed below could help you select which providers you want to consider when looking for cheaper rates.
Top 10 New Orleans Car Insurance Companies Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
Top 10 New Orleans Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Don’t give up on cheaper coverage
Cost effective Toyota FJ Cruiser insurance can be sourced on the web and from local insurance agents, and you should be comparing both to have the best rate selection. Some auto insurance companies may not offer price quotes online and most of the time these small insurance companies only sell coverage through independent agencies.
We just covered a lot of information how to get a better price on Toyota FJ Cruiser insurance in New Orleans. The key thing to remember is the more times you quote, the better your comparison will be. You may even be surprised to find that the most savings is with a smaller regional carrier. These companies may have significantly lower premium rates on certain market segments compared to the large companies like State Farm or Progressive.
How to find affordable quotes for Toyota FJ Cruiser insurance in New Orleans
The easiest way to get cheaper car insurance rates is to start doing a yearly price comparison from insurers who can sell car insurance in New Orleans.
Step 1: Get an understanding of the different coverages in a policy and the changes you can make to prevent expensive coverage. Many policy risk factors that are responsible for high rates such as speeding tickets, careless driving and your credit history can be rectified by making minor changes in your lifestyle.
Step 2: Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from a single company like Progressive and State Farm, while agents who are independent can quote rates for a wide range of companies.
Step 3: Compare the price quotes to your existing rates and determine if cheaper FJ Cruiser coverage is available in New Orleans. If you can save some money and change companies, ensure there is no coverage lapse between policies.
Step 4: Provide notification to your current agent or company of your decision to cancel your current coverage. Submit a down payment along with a signed application to your new agent or company. Once coverage is bound, place the new certificate of insurance with your vehicle’s registration.
One bit of advice is to make sure you’re comparing the same deductibles and limits on every quote and and to get prices from as many companies as feasibly possible. Doing this ensures a level playing field and a complete price analysis.
Additional detailed information is available in the articles below:
- Anti-Lock Brake FAQ (iihs.org)
- How Much are New Orleans Auto Insurance Rates for Seniors? (FAQ)
- Who Has Affordable Car Insurance for Drivers Over Age 50 in New Orleans? (FAQ)
- How Much are Auto Insurance Quotes for a Ford F-150 in New Orleans? (FAQ)
- How Much is New Orleans Car Insurance for Low Mileage Drivers? (FAQ)
- Auto Theft Statistics (Insurance Information Institute)
- How do I File a Claim? (Insurance Information Institute)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- Auto Insurance Basics (Insurance Information Institute)