2011 Toyota FJ Cruiser Insurance Rates – 7 Savings Tips

Looking for cheaper insurance rates for your Toyota FJ Cruiser? People not familiar with price shopping insurance online can find finding low-cost insurance quite difficult.

Auto Insurance Comparison Rates

Comparing auto insurance rates can be challenging if you don’t understand the most efficient way to do it. You can waste hours driving to local insurance agents in your area, or you could use online quoting to get rate comparisons in just a few minutes.

Most of the larger companies participate in a marketplace where insurance shoppers submit one quote, and every company returns a competitive quote based on the submitted data. This prevents consumers from doing quote forms for every auto insurance company.

To use this form to compare 2011 Toyota FJ Cruiser insurance rates click here to start a free quote.

The single downside to comparing rates this way is you cannot specify the providers you will receive quotes from. So if you want to select specific insurance companies to compare prices, we have a page of companies who write auto insurance in your area. Click to view list.

It’s up to you how you get prices quotes, just make absolute certain that you use the exact same coverage limits for each comparison quote. If the quotes have mixed coverages it will be very difficult to truly determine the lowest rate. Just a small difference in coverages may result in large price differences. Keep in mind that more quotes helps you find a lower rate.

Policy discounts you shouldn’t miss

Insuring your vehicles can cost a lot, but there could be available discounts to help offset the cost. Most are applied at quote time, but lesser-known reductions have to be specifically requested before you will receive the discount.

  • New Car Discount – Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
  • Service Members Pay Less – Being deployed with a military unit can result in better rates.
  • Good Student Discount – This discount can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Clubs and Organizations – Participating in certain professional organizations may earn a discount on your policy for FJ Cruiser coverage.
  • Auto/Home Discount – If you insure your home and vehicles with the same company you may earn 10% to 20% off each policy.
  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less for FJ Cruiser coverage than drivers with accidents.
  • Passive Restraints – Cars that have air bags can receive discounts of up to 25% or more.

Keep in mind that most discount credits are not given to the entire cost. Some only apply to the cost of specific coverages such as comp or med pay. So when the math indicates you can get free auto insurance, companies don’t profit that way. Any amount of discount will help reduce the amount you have to pay.

Insurance companies that may offer these money-saving discounts may include but are not limited to:

It’s a good idea to ask every prospective company which discounts you may be entitled to. All car insurance discounts may not apply in your state.

Insurance agents can help

When choosing proper insurance coverage, there is no “best” method to buy coverage. Everyone’s needs are different.

Here are some questions about coverages that might point out whether or not you could use an agent’s help.

  • How can I find cheaper teen driver insurance?
  • What is the minimum liability in my state?
  • Are my friends covered when driving my car?
  • Do I pay less if my vehicle is kept in my garage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What is high-risk coverage and where do I buy it?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Specific coverage details

Knowing the specifics of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

UM/UIM Coverage

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, falling objects, damage from a tornado or hurricane, fire damage and hail damage. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision protection

Collision insurance pays for damage to your FJ Cruiser resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as backing into a parked car, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like prosthetic devices, X-ray expenses and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Auto liability

This will cover damage that occurs to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like attorney fees, repair costs for stationary objects, pain and suffering, structural damage and loss of income. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Quote more. Save more.

We just presented many tips how you can save on 2011 Toyota FJ Cruiser insurance. The key concept to understand is the more providers you compare, the better chance you’ll have of finding lower rates. You may even find the biggest savings come from the least-expected company.

Low-cost insurance can be sourced from both online companies as well as from independent agents, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who don’t offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

While you’re price shopping online, it’s not a good idea to reduce coverage to reduce premium. In many instances, consumers will sacrifice liability coverage limits and discovered at claim time that it was a big mistake. Your goal should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

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