Lower Your 2013 Toyota FJ Cruiser Insurance Rates

Trying to find the cheapest insurance for your Toyota FJ Cruiser could be a lot of work, but you can learn these tips to find lower rates.

There are more efficient ways to compare auto insurance rates and you need to know the absolute fastest way to price shop coverage for a Toyota and find the lowest price from both online companies and local agents.

Pricing affordable insurance coverage can be fairly easy. If you have insurance now or are just looking to switch companies, you can use this information to shop for the lowest rates and possibly find even better coverage. Drivers only need to know the proper way to shop for insurance coverage over the internet.

Quick Insurance Coverage Quotes

Comparing insurance coverage rates can be a lot of work if you don’t understand the fastest way to get free quotes. You could spend your day talking to local insurance agents in your area, or you could save time and use online quoting to accomplish the same thing much quicker.

All the larger companies are enrolled in a marketplace where insurance shoppers only type in their quote data once, and each participating company provides a quote determined by their information. This eliminates the need for quote requests for each company you want a rate for.

To enter your information into the quoting system, click here to start a free quote.

The one disadvantage to doing it this way is you are unable to specify which insurance companies you want to price. So if you prefer to choose individual companies to compare rates, we have a listing of low cost insurance coverage companies in your area. Click to view list.

However you get your quotes, be sure to compare exactly the same coverage information for each comparison quote. If the quotes have different deductibles it will be next to impossible to find the best deal for your Toyota FJ Cruiser.

Don’t pay full price with these discounts

The cost of insuring your cars can be expensive, but you may find discounts that can drop the cost substantially. Some trigger automatically at the time of purchase, but a few need to be asked about prior to receiving the credit. If you’re not getting every credit possible, you are paying more than you should be.

  • Sign Online – A few companies give back up to $50 for buying a policy and signing up online.
  • Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems can get savings of more than 20%.
  • Own a Home – Owning a house can help you save on auto insurance due to the fact that maintaining a home demonstrates responsibility.
  • Safety Course Discount – Successfully completing a course in driver safety could save 5% or more if your company offers it.
  • Safe Driver Discount – Safe drivers may receive a discount up to 45% less on FJ Cruiser coverage than their less cautious counterparts.

Drivers should understand that some credits don’t apply to the entire policy premium. Most only cut individual premiums such as physical damage coverage or medical payments. Even though it may seem like having all the discounts means you get insurance for free, companies don’t profit that way. Any amount of discount will cut the cost of coverage.

To see a list of insurers who offer auto insurance discounts, click here.

Your personal situation dictates your coverage

When it comes to choosing coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions may help you determine if you will benefit from professional help.

  • When would I need additional glass coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • How can I get my company to pay me more for my totalled car?
  • Does my medical payments coverage pay my health insurance deductible?
  • At what point should I drop full coverage?
  • What companies insure drivers after a DUI or DWI?
  • Do I need roadside assistance coverage?
  • What are the best liability limits?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

The coverage is in the details

Learning about specific coverages of a car insurance policy helps when choosing the best coverages and proper limits and deductibles. Car insurance terms can be confusing and reading a policy is terribly boring.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 2013 Toyota FJ Cruiser.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like hitting a deer, vandalism and damage from flooding. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical payments

Med pay and PIP coverage provide coverage for bills for EMT expenses, dental work, doctor visits and X-ray expenses. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Auto collision coverage

This coverage will pay to fix damage to your FJ Cruiser from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as scraping a guard rail, colliding with a tree and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Auto liability insurance

This coverage can cover damage that occurs to other people or property. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like loss of income, court costs, attorney fees, pain and suffering and structural damage. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.