2011 Toyota FJ Cruiser Insurance Quotes – 6 Tips for Cheapest Rates

Looking for the cheapest insurance rates for your Toyota FJ Cruiser? Sick and tired of scraping the payment together to buy car insurance? Your situation is no different than many other drivers. Companies like Allstate, Progressive and Geico all claim big savings, bombarding you with ad campaigns and it can be hard to separate fact from fiction and do the work needed to find the best deal.

Don’t overlook these six discounts

The cost of insuring your cars can be expensive, but you may find discounts to help bring down the price. Certain discounts will be triggered automatically at the time of purchase, but some may not be applied and must be asked about in order for you to get them. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Sign Early and Save – Select companies give a discount for switching to them prior to your current policy expiration. It can save you around 10%.
  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can get savings of more than 20%.
  • Driver Safety – Taking a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
  • New Vehicle Savings – Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • Government Employees – Employees or retirees of the government may qualify you for a discount for FJ Cruiser insurance with a few car insurance companies.
  • Service Members Pay Less – Having a family member in the military could be rewarded with lower premiums.

It’s important to note that most discounts do not apply to all coverage premiums. Most cut specific coverage prices like comp or med pay. Just because it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way. Any qualifying discounts will bring down your premiums.

For a list of insurers with the best car insurance discounts, follow this link.

How to Buy Car Insurance Online

Comparing car insurance rates can take hours if you don’t know the best way to get rate quotes. You could spend your day talking about coverages with local insurance agents in your area, or you could save time and use online quoting to achieve your goal.

Most of the best insurance companies belong to an insurance system where insurance shoppers enter their coverage request one time, and each company returns a rated price for coverage. This saves time by eliminating quote forms for each company.

To participate in this free quote system, click here to start a free quote.

The single downside to using this type of system is that you can’t choose the companies to get quotes from. So if you prefer to pick from a list of companies to receive pricing from, we have a page of companies who write car insurance in your area. Click here to view list.

Whichever way you use, ensure you are comparing exactly the same coverage limits for every quote you compare. If you enter differing limits you will not be able to make a fair comparison for your Toyota FJ Cruiser.

Is my situation unique?

When buying the best car insurance coverage for your personal vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions could help you determine whether you might need an agent’s assistance.

  • Should I have a commercial auto policy?
  • Will my insurance pay for OEM parts?
  • Is my 2011 Toyota FJ Cruiser covered for flood damage?
  • How many claims can I have before being cancelled?
  • Does my policy cover my teen driver if they drive my company car?
  • Is rental equipment covered for theft or damage?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Auto insurance myths debunked

Drivers can’t ignore all the ads for cheaper car insurance by companies like Progressive, Allstate and Geico. All the ads say the same thing that you can save if you change to them.

But how can every company say the same thing?

All companies are able to cherry pick for the type of driver that is profitable for them. An example of a driver they prefer could be between 30 and 50, has no driving citations, and has great credit. A driver that hits that “sweet spot” gets the lowest rates and is almost guaranteed to save when they switch companies.

Drivers who don’t qualify for these standards will be quoted higher rates which usually ends up with the driver buying from a lower-cost company. The ad wording is “customers who switch” but not “drivers who get quotes” save that kind of money. That’s the way companies can truthfully make those claims.

This emphasizes why drivers must get quotes from several different companies. It is impossible to predict the company that will have the lowest Toyota FJ Cruiser insurance rates.

Auto insurance coverages and their meanings

Learning about specific coverages of auto insurance aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. These are the usual coverages found on most auto insurance policies.

Auto liability

This can cover damage or injury you incur to other’s property or people in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like court costs, loss of income and emergency aid. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Collision coverage

Collision insurance will pay to fix damage to your FJ Cruiser resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as hitting a parking meter, driving through your garage door, colliding with a tree, crashing into a ditch and rolling your car. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Medical expense insurance

Med pay and PIP coverage reimburse you for expenses like rehabilitation expenses, hospital visits, prosthetic devices, surgery and chiropractic care. They can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Toyota FJ Cruiser.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, hitting a deer, damage from flooding and falling objects. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

What is YOUR best insurance company?

Cheap 2011 Toyota FJ Cruiser insurance is definitely available from both online companies in addition to many insurance agents, and you should be comparing both to have the best selection. Some insurance companies do not provide the ability to get a quote online and these small insurance companies work with independent agents.

We’ve covered a lot of tips how to lower your insurance rates. The key thing to remember is the more rate quotes you have, the higher your chance of finding lower rates. You may even discover the most savings is with some of the lesser-known companies. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as Geico and State Farm.

Even more information is available by following these links: