Wish you could get a refund on an underperforming, overpriced car insurance policy? It’s a common feeling and there are lots of San Diego residents who feel the same.
Surprisingly, a recent survey revealed that nearly 70% of drivers renewed their policy with the same company for over three years, and virtually 40% of consumers have never even shopped around for lower-cost coverage. California drivers could save almost 35% a year just by getting comparison quotes, but they mistakenly think it’s difficult to compare rates online.
Big-name insurance companies like State Farm, GEICO and Farmers Insurance constantly blast consumers with fancy advertisements and it is difficult to not get sucked in by the cute commercials and find the best price available.
Companies offering Toyota Sequoia insurance in California
The following companies are our best choices to provide quotes in San Diego, CA. If multiple providers are shown, we recommend you click on several of them to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sequoia SR/5 2WD||$440||$576||$578||$34||$174||$1,802||$150|
|Sequoia SR/5 4WD||$430||$810||$442||$26||$132||$1,840||$153|
|Sequoia Limited 2WD||$330||$562||$416||$24||$124||$1,456||$121|
|Sequoia Limited 4WD||$430||$678||$442||$26||$132||$1,708||$142|
|Sequoia Platinum 2WD||$412||$912||$464||$28||$138||$1,954||$163|
|Sequoia Platinum 4WD||$266||$490||$442||$26||$132||$1,356||$113|
|Get Your Own Custom Quote Go|
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Prices do not factor in specific garaging location which can change rates considerably.
How accidents and tickets impact rates in San Diego
The chart below shows how speeding tickets and at-fault claims raise Toyota Sequoia annual premium costs for different age groups of insureds. The data assumes a single male driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.
Annual premiums for males compared to females
The information below compares Toyota Sequoia insurance costs for male and female drivers. The rates are based on no accidents or driving violations, full coverage, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.
Cheaper San Diego auto insurance rates with discounts
Companies offering auto insurance don’t always publicize their entire list of discounts in an easy-to-find place, so we took the time to find both well-publicized and the more hidden discounts that you can inquire about if you buy San Diego car insurance online.
- Homeowners Savings – Just owning your own home can save you money because of the fact that having a home demonstrates responsibility.
- Discount for Good Grades – Being a good student could provide a savings of up to 20% or more. Many companies even apply the discount to college students up until you turn 25.
- Seat Belts Save – Drivers who always wear seat belts and also require passengers to buckle up before driving can save up to 15% on medical payment and PIP coverage.
- Discounts for Government Workers – Federal government employees can earn a discount up to 10% depending on your auto insurance provider.
- Policy Bundle Discount – If you insure your home and vehicles with one company you could save 10% to 20% off each policy.
- 55 and Retired – If you qualify as a senior citizen, you may qualify for better auto insurance rates.
- Discounts for Cautious Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates as compared to drivers with claims.
- Professional Organizations – Having an affiliation with qualifying clubs or civic groups could earn you a nice discount when getting a San Diego car insurance quote.
You can save money using discounts, but most of the big mark downs will not be given to the entire policy premium. Most only reduce individual premiums such as collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, insurance companies wouldn’t stay in business.
To see a list of providers that offer some of these discounts in California, click here.
Tailor your insurance coverage to you
When it comes to buying adequate coverage, there really is not a one size fits all plan. You are unique so your insurance should reflect that For example, these questions may help you determine whether your personal situation would benefit from an agent’s advice.
- Who is covered by my policy?
- Should I get collision insurance on every vehicle?
- Can I rent a car in Mexico?
- Do I need to call my car insurance company before buying a new car?
- Are all vehicle passengers covered by medical payments coverage?
- Is my teenager covered with friends in the car?
- How high should my uninsured/underinsured coverage be in California?
- Do I need motorclub coverage?
If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.
Get rate quotes but buy from a local San Diego insurance agent
Some consumers prefer to buy from a licensed agent and that is a smart decision An additional benefit of comparing insurance prices online is the fact that you can find the best rates and still have a local agent.
After completing this simple form, your insurance data is submitted to insurance agents in San Diego who will give competitive quotes for your coverage. You won’t need to search for any insurance agencies as quotes are delivered to your email. You can find the lowest rates AND a local agent. If you wish to compare prices from one company in particular, feel free to go to their quote page to submit a rate quote request.
Finding the right provider should depend on more than just a cheap price quote. Below are some questions you should ask.
- Will the agent help in case of a claim?
- When do they do policy reviews?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Can you use your own choice of collision repair facility?
- Do they write coverage based solely on cost?
Independent or Exclusive: It’s your choice
If you want to buy insurance from a good San Diego insurance agent, it’s important to understand the different agency structures that you can select. San Diego agents may be either independent (non-exclusive) or exclusive.
Exclusive Insurance Agents
Exclusive agencies can only provide pricing for a single company and examples are State Farm, Allstate, and Farm Bureau. They are unable to compare other company’s rates so you might not find the best rates. Exclusive agents are well trained on their company’s products and that allows them to sell at a higher price point.
Shown below is a list of exclusive insurance agencies in San Diego that can give you comparison quotes.
Agents in the independent channel can sell policies from many different companies and that gives them the ability to insure with many different companies and find you the best rates. If prices rise, the business is moved internally without you having to go to a different agency. When shopping rates, you will definitely want to compare prices from a couple of independent agencies to have the best price comparison.
Listed below are San Diego independent agents willing to provide price quote information.
Leavitt Group – Leavitt Insurance Agency of San Diego
3636 Nobel Dr #100 – San Diego, CA 92122 – (858) 436-2441 – View Map
Beware of misleading insurance ads
Insurance providers like 21st Century, Allstate and State Farm endlessly run ads on TV and radio. All the ads make the point about savings if you switch your coverage. How can each company have lower policy pricing? It’s all in the numbers.
Most companies can use profiling for a prospective insured that earns them the highest profit. For instance, a driver they prefer may need to be between the ages of 30 and 50, has never had a claim, and drives a vehicle with a low ISO rating. A driver that hits that “sweet spot” will most likely get cheap rates and will most likely save some money.
Insureds who don’t qualify for the “perfect” profile may receive more expensive rates which leads to business not being written. If you pay attention, the ads say “drivers who switch” but not “everyone who gets a quote” will save that much if they switch. That’s the way companies can truthfully make the claims of big savings. This illustrates why you really need to compare as many free San Diego car insurance quotes as you can. Because you never know the company that will give you the biggest savings.
The best insurance company isn’t always the cheapest
When getting San Diego car insurance quotes online, it’s very important that you do not sacrifice coverage to reduce premiums. In many cases, someone sacrificed uninsured motorist or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your objective should be to purchase a proper amount of coverage at the best possible price while still protecting your assets.
We covered some good ideas how you can reduce Toyota Sequoia insurance rates online in San Diego. The key thing to remember is the more companies you get car insurance rates for, the more likely it is that you will get a better rate. You may even find the lowest rates are with the smaller companies. These smaller insurers often have lower car insurance rates on specific markets compared to the large companies like GEICO and State Farm.
Discount Toyota Sequoia insurance in San Diego is definitely available from both online companies in addition to many San Diego insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some companies don’t offer internet price quotes and many times these regional carriers prefer to sell through independent agents.
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
- What Car Insurance is Cheapest for Unemployed Drivers in San Diego? (FAQ)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Safety Features for Your New Car (State Farm)