Affordable Rate Quotes for Toyota 4Runner Insurance in Boston

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Toyota 4Runner insurance cost
Toyota 4Runner insurance cost image courtesy of QuoteInspector.com

Insurance rates Toyota 4Runner in BostonTo save the most money, the best way to get budget Toyota 4Runner insurance in Boston is to compare prices annually from companies in Massachusetts. Rates can be compared by following these guidelines.

  1. Learn about the coverage provided by your policy and the measures you can take to prevent rate increases. Many things that drive up the price such as tickets, at-fault accidents, and poor credit history can be amended by being financially responsible and driving safely. Read the full article for more information to prevent rate hikes and get discounts that may be available to you.
  2. Request price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from a single company like Progressive or State Farm, while agents who are independent can quote prices for a wide range of insurance providers. Select a company
  3. Compare the price quotes to your existing policy and determine if cheaper 4Runner coverage is available. If you find better rates, make sure there is no coverage gap between policies.

The most important part of this process is that you use the same level of coverage on every price quote and and to compare as many companies as possible. Doing this ensures an apples-to-apples comparison and a complete rate analysis.

Amazingly, almost 70% of drivers have remained with the same auto insurance company for at least the last four years, and 38% of drivers have never quoted auto insurance rates at all. Most drivers in Massachusetts could save an average of as much as 45% each year by just comparing quotes, but they just don't understand how easy it is to compare rate quotes.

Best companies for Toyota 4Runner insurance

The car insurance companies shown below provide price quotes in Boston, MA. If your goal is to find the best auto insurance in Boston, we recommend you visit several of them to find the cheapest car insurance rates.

Toyota 4Runner insurance coverage information

The premium information displayed below outlines different insurance premium costs for Toyota 4Runner models. Learning as much as possible about how insurance prices are formulated is important to be able to make informed decisions when comparing rates.

Toyota 4Runner Insurance Rates in Boston, MA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
4Runner Sport 2WD $180 $224 $284 $16 $86 $790 $66
4Runner SR/5 2WD $180 $274 $284 $16 $86 $840 $70
4Runner Sport 4WD $180 $274 $284 $16 $86 $840 $70
4Runner SR/5 4WD $180 $274 $284 $16 $86 $840 $70
4Runner Trail Edition 4WD $200 $322 $284 $16 $86 $908 $76
4Runner Limited 2WD $200 $322 $284 $16 $86 $908 $76
4Runner Limited 4WD $200 $322 $284 $16 $86 $908 $76
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Premium costs do not factor in Boston location which can influence coverage prices greatly.

Insurance deductibles

One frequently asked question is which comprehensive and collision deductibles to buy. The tables below can help illustrate how much more rates are of buying low and high comp and collision deductibles. The first set of rates uses a $100 deductible for comp and collision and the second rate table uses a $1,000 deductible.

Toyota 4Runner insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
4Runner Sport 2WD $324 $426 $284 $16 $86 $1,161 $97
4Runner SR/5 2WD $324 $520 $284 $16 $86 $1,255 $105
4Runner Sport 4WD $324 $520 $284 $16 $86 $1,255 $105
4Runner SR/5 4WD $324 $520 $284 $16 $86 $1,255 $105
4Runner Trail Edition 4WD $362 $612 $284 $16 $86 $1,385 $115
4Runner Limited 2WD $362 $612 $284 $16 $86 $1,385 $115
4Runner Limited 4WD $362 $612 $284 $16 $86 $1,385 $115
Get Your Own Custom Quote Go
Toyota 4Runner insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
4Runner Sport 2WD $180 $224 $284 $16 $86 $790 $66
4Runner SR/5 2WD $180 $274 $284 $16 $86 $840 $70
4Runner Sport 4WD $180 $274 $284 $16 $86 $840 $70
4Runner SR/5 4WD $180 $274 $284 $16 $86 $840 $70
4Runner Trail Edition 4WD $200 $322 $284 $16 $86 $908 $76
4Runner Limited 2WD $200 $322 $284 $16 $86 $908 $76
4Runner Limited 4WD $200 $322 $284 $16 $86 $908 $76
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rate quotes do not factor in vehicle garaging location which can raise or lower coverage prices significantly.

We can estimate from the data above that using a $100 deductible will cost in the ballpark of $36 more each month or $432 each year than selecting the higher $1,000 deductible. Because you would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 25 months between claims, you would probably save some money by selecting a higher deductible.

The diagram below demonstrates how deductible levels and can raise or lower Toyota 4Runner insurance costs for different categories of driver ages. The data assumes a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Price comparison of only insuring for liability

The illustration below illustrates the comparison of Toyota 4Runner insurance costs with full coverage compared to only the Massachusetts minimum liability coverage. The premiums assume no accidents, no driving violations, $500 deductibles, drivers are not married, and no discounts are taken into consideration.

When to stop buying comprehensive and collision coverage

There is no exact formula that works best for making the decision to drop physical damage coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

For example, let's pretend your Toyota 4Runner claim settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $5,000 after paying your policy deductible. If you are paying over $500 annually for full coverage, then you may need to consider dropping full coverage.

There are some situations where buying only liability insurance is not in your best interest. If you haven't paid off your loan, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should maintain full coverage.

Learn How to Buy Insurance for Less

Smart consumers have a good feel for the rating factors that go into determining the rates you pay for insurance. When you know what positively or negatively controls the rates you pay, this empowers consumers to make smart changes that can earn you much lower annual insurance costs. Many factors are considered when you get a price on insurance. Some are obvious such as your driving record, but other factors are not quite as obvious like your continuous coverage or your vehicle rating.

The following are most of the major factors that factor into your prices.

Never go without insurance - Allowing your insurance policy to lapse can be a guaranteed way to increase your rates. Not only will rates go up, getting caught without coverage could result in a revoked license or a big fine. You could then be forced to prove you have insurance by filing a SR-22 with the Massachusetts DMV.

Your gender affects prices - Over the last 50 years, statistics have shown women are more cautious behind the wheel. That doesn't necessarily mean that men are worse drivers. They both are in fender benders at about the same rate, but males tend to have higher claims. Not only are claims higher, but men get higher numbers of serious violations like DUI and reckless driving. Male drivers age 16 to 19 generally have the highest accident percentage so they pay the highest premiums.

The illustration below illustrates the comparison of Toyota 4Runner auto insurance costs for male and female drivers. The data assumes a clean driving record, no claims, full coverage, $500 deductibles, drivers are single, and no discounts are factored in.

Bundle and save - Many insurance companies apply discounts to insureds who consolidate policies with them such as combining an auto and homeowners policy. Even if you already get this discount, it's always a smart idea to compare other Boston 4Runner insurance rates to help guarantee you have the best rates. You may still find better rates by buying insurance from a different company.

Job and insurance prices - Jobs such as doctors, police officers, and dentists are shown to have higher premiums than the average policyholder in part from intense work-related stress and incredibly demanding work hours. Conversely, occupations like professors, students and performers get better rates.

Better prices with anti-theft devices - Selecting a car model with an alarm system can help bring down rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.

Additional coverages that may be costing you - There are many additional coverages that you can get tricked into buying if you don't pay attention. Coverage for things like coverage for rental cars, accident forgiveness, and Farm Bureau memberships may be costing you every month. They may sound like good ideas initially, but if you've never needed them in the past remove them and pocket the money.

Older drivers pay less - Older drivers are viewed as being more responsible, statistically cause fewer accidents, and tend to be get fewer driving tickets. Inexperience drivers are proven to be more careless when driving with friends and because of this, their insurance rates are much higher.

The chart below assumes a single driver, full coverage with $250 deductibles, and no discounts or violations.

Insurance losses for a Toyota 4Runner - Companies use statistical claims data when they set coverage costs for each model. Models that the data shows to have higher prevalence or dollar amount of losses will have a higher cost to insure. The table below shows the loss history for Toyota 4Runner vehicles.

For each policy coverage, the claim probability for all vehicles averaged together is represented as 100. Numbers that are below 100 are indicative of better than average losses, while numbers that are greater than 100 point to more frequent losses or tendency to have larger claims.

Insurance Loss Ratings for Toyota 4Runner Vehicles
Vehicle 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
BETTER
AVERAGE
WORSE

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Cheap Toyota 4Runner insurance rates in Boston

Companies don't always list the complete list of policy discounts in a way that's easy to find, so here is a list a few of the more well known and also the lesser-known discounts that you can inquire about if you buy Boston auto insurance online.Save money with discounts

  • Senior Citizen Discount - If you qualify as a senior citizen, you could receive lower premium rates.
  • Theft Prevention System - Cars, trucks, and SUVs with anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
  • Claim-Free Discount - Drivers who don't have accidents have much lower rates as opposed to policyholders that have many claims.
  • College Student - Youth drivers who are attending college and won't have access to an insured vehicle may be able to be covered for less.
  • Service Members Pay Less - Being deployed with a military unit may lower your prices slightly.
  • Student Driver Training - Teen drivers should complete a driver education course if offered at their school.

Please keep in mind that most discounts do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like you would end up receiving a 100% discount, insurance companies aren't that generous.

The information below compares Toyota 4Runner car insurance costs with and without some available policy discounts. The data is based on a male driver, a clean driving record, no claims, Massachusetts state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-car, multi-policy, claim-free, and marriage discounts applied.

Auto insurance companies who may offer these money-saving discounts may include but are not limited to:

If you want cheaper Boston auto insurance quotes, ask every company what discounts are available to you. Discounts may not apply to policies in your state. To choose insurance companies that offer the discounts shown above in Boston, click here to view.

When do I need to contact a local insurance agent?

Some consumers just want to go talk to an agent and that is a personal choice. Good agents are trained to spot inefficiencies and help submit paperwork. The best thing about getting free rate quotes online is the fact that you can find the lowest rates and still choose a local agent. And providing support for local agencies is especially important in Boston.

Find insurance agent in BostonTo find an agent, once you fill out this form (opens in new window), the coverage information is immediately sent to companies in Boston who will gladly provide quotes to get your business. You don't have to drive around due to the fact that quote results will go immediately to you. If you wish to compare prices from a specific car insurance provider, you would need to search and find their rate quote page and fill out their quote form.

Picking the best insurer should include more criteria than just the quoted price. Get answers to these questions too.

  • Is insurance their full-time profession?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • Do they offer claims assistance after hours?
  • Will they make sure you get an adequate claim settlement?
  • Will the quote change when the policy is issued?
  • Is the agency active in community causes in Boston?
  • Does the agent have professional designations like CIC, CPCU or AIC?

How much car insurance do I need?

When selecting adequate coverage for your vehicles, there isn't really a perfect coverage plan. Your needs are unique to you.Drive safe and save

Here are some questions about coverages that could help you determine if your situation would benefit from an agent's advice.

  • What does medical payments cover?
  • Do I have newly-acquired coverage?
  • Are my tools covered if they get stolen from my vehicle?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I get collision insurance on every vehicle?
  • Am I covered if my car is in a flood?
  • Am I covered if I wreck a rental car?
  • Are rock chip repairs covered?
  • What exactly is covered by my policy?

If you can't answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form. It's fast, doesn't cost anything and can help protect your family.

Quote more to save more

When trying to cut insurance costs, do not buy less coverage just to save a little money. There are a lot of situations where someone sacrificed physical damage coverage only to regret at claim time they didn't purchase enough coverage. Your goal is to find the BEST coverage at a price you can afford.

You just read many ideas to get a better price on Toyota 4Runner insurance in Boston. The most important thing to understand is the more rate quotes you have, the better likelihood of getting affordable Boston auto insurance quotes. Drivers may even discover the best price on auto insurance is with a company that doesn't do a lot of advertising.

Some insurance companies may not offer price quotes online and many times these small, regional companies sell through local independent agencies. The cheapest Toyota 4Runner insurance in Boston is possible on the web in addition to many Boston insurance agents, and you need to comparison shop both to have the best selection.

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