Cheapest Chicago Toyota 4Runner Insurance

Discount Toyota 4Runner insuranceDo you want to learn to get low-cost Toyota 4Runner insurance in Chicago? Having to pay for overpriced Toyota 4Runner insurance in Chicago can consume your savings and maybe even restrict other spending. Shopping your coverage around is a great way to make sure you’re not throwing money away.

Unbelievable but true according to a study most drivers kept their policy with the same company for four years or more, and just short of a majority have never even shopped around for lower-cost coverage. With the average premium in Illinois being $1,500, drivers could save themselves about $590 a year, but they feel it’s too difficult to shop their coverage around.

Insurance companies such as GEICO and Progressive all promote huge savings with ads and it is challenging if not impossible to ignore the flashy ads and find the best price available.

If you have insurance now, you will most likely be able to reduce premiums using these techniques. Buying the cheapest insurance in Chicago can be made easier if you know where to look. But Illinois vehicle owners need to have an understanding of how companies charge you for coverage and apply this information to your search.

When quoting auto insurance, remember that comparing all the rates in your area gives you a better chance of getting the best offered rates. Not every company does Chicago 4Runner insurance quotes online, so you should also compare price quotes on coverage from those companies, too.

The companies shown below offer free quotes in Illinois. If multiple companies are shown, we suggest you click on several of them to find the most affordable auto insurance rates.


Toyota 4Runner Insurance Rates in Chicago, IL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
4Runner Sport 2WD $224 $322 $268 $16 $80 $910 $76
4Runner SR/5 2WD $208 $312 $228 $14 $68 $830 $69
4Runner Sport 4WD $144 $232 $214 $12 $64 $666 $56
4Runner SR/5 4WD $196 $334 $250 $14 $76 $870 $73
4Runner Trail Edition 4WD $218 $392 $250 $14 $76 $950 $79
4Runner Limited 2WD $282 $478 $222 $14 $66 $1,062 $89
4Runner Limited 4WD $246 $392 $226 $14 $68 $946 $79
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Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Illinois minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rate information does not factor in the specific area where the vehicle is garaged which can revise prices significantly.

Toyota 4Runner full coverage rates compared to liability only

The example below shows the comparison of Toyota 4Runner annual premium costs with and without full coverage. The prices are based on no driving violations, no at-fault accidents, $100 deductibles, single male driver, and no discounts are factored in.

When to eliminate full coverage

There is no clear-cut rule that is best for determining when to drop physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost of full coverage is more than about 10% of replacement cost minus your 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 $3,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $2,000 after the deductible is paid. If you are paying over $200 a year for your policy with full coverage, then you might consider buying liability only.

There are some circumstances where dropping full coverage is not a good plan. If you haven’t satisfied your loan, you must maintain physical damage coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not buy liability only.

Compare rates but still have a neighborhood Chicago auto insurance agent

Some consumers just want to buy from a licensed agent and that is OK! One of the benefits of comparing insurance prices online is the fact that you can find lower rates and still have an agent to talk to. Putting coverage with small agencies is still important in Chicago.

Insurance agents in ChicagoBy using this quick form, your information is emailed to participating agents in Chicago that give free quotes to get your business. You don’t have to visit any agencies since price quotes are sent directly to your email. You can most likely find cheaper rates AND an agent nearby. If for some reason you want to compare prices from a particular provider, don’t hesitate to jump over to their website and fill out their quote form.

Pick the best car insurance agent in Chicago for you

If you need to find local Chicago agents, it helps to know the two types of insurance agents from which to choose. Agencies in Chicago are categorized either independent agents or exclusive agents depending on their employer.

Independent Agents (or Brokers)

Agents that choose to be independent do not work for one specific company so they can insure your vehicles with a variety of different insurance companies and find you the best rates. If your agent finds better pricing, they can switch companies in-house and you don’t have to do anything. If you need lower rates, it’s a good idea to get some free quotes from at a minimum one independent agency for the best price selection.

Featured below is a short list of independent insurance agencies in Chicago who may provide free insurance quotes.


2538 N Lincoln AveChicago, IL 60614(773) 871-0808View Map


800 W Huron St #301Chicago, IL 60642(312) 664-8088View Map


100 W. Randolph, Suite C14Chicago, IL 60601(312) 201-9111View Map

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Exclusive Insurance Agents

Exclusive agencies normally can only provide a single company’s rates and some examples include State Farm, AAA, and Liberty Mutual. These agents are unable to compare other company’s rates so they have no alternatives for high prices. Exclusive insurance agents are well trained on sales techniques which aids in selling service over price.

The following are Chicago exclusive agents that can give you price quotes.


4316 W 63rd StChicago, IL 60629(773) 735-0135View Map


3338 W Foster AveChicago, IL 60625(773) 604-4334View Map


954 W Webster AveChicago, IL 60614(773) 975-9111View Map

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Finding the right insurance agent needs to be determined by more than just the price. Any agent in Chicago should be forthright in answering these questions: