Locating cheaper insurance for a Toyota 4Runner in Georgia could be an all-consuming task, but you can learn our car insurance buying tips to find lower rates. There are both good and bad ways to buy car insurance so you’re going to learn the quickest way to quote coverages for your Toyota and obtain the lowest price either online or from Atlanta insurance agents.
You should make it a habit to get comparison quotes every six months since insurance prices are constantly changing. Even if you think you had the best rates on Toyota 4Runner insurance in Atlanta a couple years back the chances are good that you can find a lower rate quote today. You can search a lot of 4Runner insurance online but you can learn some great ideas on how to find affordable car insurance in Atlanta.
All the larger auto insurance companies such as State Farm and Allstate make it easy to get pricing from their websites. Comparing Toyota 4Runner insurance rates online is very simple as all you need to do is type in your required coverages into the quote form. After the form is submitted, the system orders reports for credit and driving violations and returns a price determined by many factors.
Quoting online for Toyota 4Runner insurance in Atlanta makes comparing rates easy, and it is important to get many rate quotes if you want to find the lowest auto insurance rates.
To quickly compare pricing, take a look at the companies shown below. If you have coverage now, it’s recommended you complete the form with deductibles and limits as shown on your current policy. Doing this guarantees you will be getting rate comparison quotes using the exact same coverages.
The companies in the list below are our best choices to provide free quotes in Georgia. If the list has multiple companies, it’s highly recommended you visit as many as you can to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 4Runner Sport 2WD | $270 | $332 | $342 | $20 | $102 | $1,066 | $89 |
| 4Runner SR/5 2WD | $328 | $630 | $378 | $22 | $114 | $1,472 | $123 |
| 4Runner Sport 4WD | $328 | $600 | $378 | $22 | $114 | $1,442 | $120 |
| 4Runner SR/5 4WD | $204 | $364 | $434 | $26 | $130 | $1,158 | $97 |
| 4Runner Trail Edition 4WD | $214 | $350 | $344 | $20 | $104 | $1,032 | $86 |
| 4Runner Limited 2WD | $374 | $694 | $404 | $24 | $122 | $1,618 | $135 |
| 4Runner Limited 4WD | $328 | $598 | $314 | $18 | $94 | $1,352 | $113 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Price information does not factor in garaging location in Atlanta which can modify rates greatly.
Price comparison of only insuring for liability
The illustration below shows the comparison of Toyota 4Runner insurance costs with full physical damage coverage and with liability coverage only. The rates are based on no driving violations, no at-fault accidents, $1,000 deductibles, single male driver, and no additional discounts are factored in.
Should you be buying full coverage?
There is no specific rule that is best for determining when to drop full coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than 10% of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your Toyota 4Runner claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $5,000 after paying your deductible. If it’s costing in excess of $500 a year for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.
There are some situations where buying only liability insurance is not in your best interest. If you still have a loan on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.
Insurance does more than just protect your car
Despite the high cost, buying insurance serves a purpose in several ways.
- Just about all states have mandatory liability insurance requirements which means you are required to carry a minimum amount of liability protection if you drive a vehicle. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a loan on your 4Runner, almost all lenders will have a requirement that you carry insurance to ensure the loan is repaid in case of a total loss. If you default on your policy, the lender will be forced to insure your Toyota for a much higher rate and force you to pay a much higher amount than you were paying before.
- Insurance safeguards not only your vehicle but also your assets. Insurance will pay for medical bills for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance will also pay for a defense attorney if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, your insurance policy will pay to have it repaired.
The benefits of carrying enough insurance outweigh the cost, particularly for liability claims. Unknowingly, the average driver is currently overpaying as much as $750 every year so it’s important to compare rates at every renewal to ensure rates are inline.
Is there deception in advertising?
Consumers can’t escape the ads that claim the lowest premium rates by companies like State Farm and Allstate. All the companies seem to make the promise that drivers can save some big amount if you switch your policy.
It sounds good, but how can they all give you a lower rate on Toyota 4Runner insurance in Atlanta? This is the way they can do it.
Different companies offer their best rates for the type of driver that will be a good risk. An example of a preferred risk might have to be a married male, has never had a claim, and drives a vehicle with a low ISO rating. Any new insured who meets those qualifications will probably get cheap rates and have a good chance to save some money.
Insureds who don’t qualify for this ideal profile must pay higher premium rates which leads to the customer buying from someone else. If you listen closely, the ads state “people that switch” but not “all drivers who get quotes” will save that much if they switch. That’s why insurance companies can confidently make claims like that. Because of the profiling, you need to compare free Atlanta auto insurance quotes often. Because you cannot predict which car insurance company will have the lowest rate quotes.
Discount Atlanta car insurance rates
Companies that sell car insurance do not list all possible discounts very clearly, so below is a list both the well known as well as some of the hidden credits that you can use to lower your rates.
- Discount for Swiching Early – Select larger companies give a discount for buying a policy prior to the expiration date on your current 4Runner insurance policy. It’s a savings of about 10%.
- Discounts for Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off with certain companies.
- E-sign – Many companies give back up to $50 for buying your policy on your computer.
- Passive Restraints – Vehicles equipped with air bags may earn rate discounts of up to 25% or more.
- Pay Early and Save – If you pay your entire premium ahead of time rather than paying in monthly installments you can actually save on your bill.
- Fewer Miles Equal More Savings – Low mileage vehicles may allow you to get better rates on cars that stay parked.
Policy discounts save money, but some credits don’t apply to your bottom line cost. Some only apply to specific coverage prices like liability, collision or medical payments. So when it seems like you can get free auto insurance, companies don’t profit that way.
A list of companies and a selection of discounts are included below.
- State Farm offers premium reductions for accident-free, Steer Clear safe driver discount, multiple policy, good student, good driver, and passive restraint.
- GEICO offers discounts including military active duty, anti-lock brakes, air bags, multi-policy, emergency military deployment, and multi-vehicle.
- Liberty Mutual policyholders can earn discounts including multi-policy, preferred payment discount, teen driver discount, new vehicle discount, multi-car, and new graduate.
- The Hartford has savings for driver training, vehicle fuel type, air bag, bundle, anti-theft, and defensive driver.
- MetLife includes discounts for claim-free, good driver, defensive driver, good student, and accident-free.
- Progressive may have discounts that include multi-policy, online quote discount, good student, homeowner, online signing, and continuous coverage.
Check with every prospective company to apply every possible discount. A few discounts might not apply in your area. To view insurers who offer cheap Toyota 4Runner insurance quotes in Atlanta, follow this link.
Car insurance quotes from neighborhood Atlanta auto insurance agents
Many people still prefer to sit down and talk to an agent and that is recommended in a lot of cases Most agents can help determine the best coverages and will help you if you have claims. The best thing about getting online price quotes is you may find cheaper auto insurance rates and still have an agent to talk to.
After completing this simple form, your insurance coverage information is instantly submitted to local insurance agents who will give you bids for your insurance coverage. You don’t have to search for an agent because quoted prices will be sent directly to you. In the event you want to get a comparison quote for a specific company, don’t hesitate to go to their quote page and complete a quote there.
Finding a good insurance company needs to be determined by more than just a low price. These are some valid questions you should ask.
- What insurance companies do they recommend if they are an independent agent?
- Do they prorate repair cost based on vehicle mileage?
- How long have they worked with personal auto insurance coverage?
- Is assistance available after office hours?
- Are they able to influence company decisions when a claim is filed?
- Is coverage determined by price?
- Do they have designations such as AIC, CPCU, or CIC?
Best auto insurance agent in Atlanta
If you want to use a reputable insurance agent or broker, it’s helpful to know the types of agencies and how they are slightly different. Agencies in Atlanta can be categorized as either exclusive or independent. Either type can insure your vehicles properly, but it’s important to know the difference in how they write coverage since it can affect which type of agent you select.
Exclusive Insurance Agencies
Exclusive agencies work for only one company like Allstate, State Farm and Farmers Insurance. They generally cannot compare rates from other companies so you might not find the best rates. Exclusive agencies are well trained on their products and sales techniques and that allows them to sell at a higher price point. Some consumers prefer to use the same agent mainly due to the brand and the convenience of having a single billing for all their coverages.
Below is a short list of exclusive insurance agents in Atlanta that can give you price quotes.
- Geoff Carlson – State Farm Insurance Agent
1465 Chattahoochee Ave NW #550 – Atlanta, GA 30318 – (678) 927-9977 – View Map - GEICO Insurance Agent
3680 Cascade Rd c – Atlanta, GA 30331 – (404) 472-9003 – View Map - Traci McCrory – State Farm Insurance Agent
1526 E Forrest Ave #250 – Atlanta, GA 30344 – (678) 539-8623 – View Map
Independent Car Insurance Agents
Independent agents are not required to write business for one company and that is an advantage because they can write policies amongst many companies depending on which coverage is best. If they find a lower price, the agent simply finds a different carrier and you don’t have to do anything.
When comparing rate quotes, you absolutely need to include a couple of independent agencies in order to compare the most rates. Most have the option of insuring with companies that do not advertise much which could offer lower prices.
The following is a list of independent insurance agencies in Atlanta that can give you comparison quotes.
- Snellings Walters Insurance Agency
1117 Perimeter Center W – Atlanta, GA 30338 – (770) 396-9600 – View Map - Five Star Insurance Agency
191 Peachtree St NE Suite 3300 – Atlanta, GA 30303 – (678) 526-7979 – View Map - Morris and Templeton Insurance
3405 Piedmont Rd NE #500 – Atlanta, GA 30305 – (912) 355-4549 – View Map
After getting good responses to your questions and a good coverage price, you have narrowed it down to an insurance agent that meets your needs to properly insure your vehicles. Keep in mind you are able to terminate coverage at any point so don’t assume that you are obligated to the car insurance policy for the full policy term.
How much can you save?
You just learned some good ideas how you can get a better price on Toyota 4Runner insurance in Atlanta. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your premium rates. You may even find the most savings is with a small local company.
As you shop your coverage around, it’s not a good idea to sacrifice coverage to reduce premiums. In many cases, an insured cut liability limits or collision coverage only to discover later they didn’t purchase enough coverage. Your focus should be to get the best coverage possible at the best cost, but don’t skip important coverages to save money.
More affordable auto insurance in Atlanta can be bought online and from local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies do not provide online price quotes and these small, regional companies work with independent agents.
For more information, take a look at these articles:
- State Car Insurance Guides (GEICO)
- Who Has Cheap Car Insurance Rates for a Company Car in Atlanta? (FAQ)
- Who Has Affordable Atlanta Car Insurance for Drivers Under 21? (FAQ)
- Collision Insurance Coverage (Nationwide)
- Teen Driver Licensing Information (iihs.org)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)