Save on 2014 Toyota FJ Cruiser Insurance Cost

Want better car insurance rates for your Toyota FJ Cruiser? Overpriced Toyota FJ Cruiser insurance can drain your personal savings and make it hard to pay other bills. Doing a price comparison is free and is an excellent way to help make ends meet.

Online insurance companies like Geico and Progressive persitently shower you with ad campaigns and it is challenging if not impossible to see through the deception and take the time to shop coverage around.

Factors that can influence insurance rates for a Toyota FJ Cruiser

Smart consumers have a good feel for some of the elements that play a part in calculating the rates you pay for insurance coverage. When you know what positively or negatively influences your rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

Shown below are some of the items used by your company to calculate rates.

  • Protect your assets with liability insurance – The liability section of your policy is the protection when you are found to be at fault for personal injury or accident damage. It provides you with a defense in court up to the limits shown on your policy. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not cut corners here.
  • Do you work long hours in a high stress job? – Careers like real estate brokers, business owners and dentists tend to pay the highest average rates due to high stress levels and lots of time spent at work. Other jobs such as scientists, historians and retirees have the lowest average rates on FJ Cruiser coverage.
  • Safer cars cost less to insure – Cars with high safety ratings can get you lower premiums. The safest vehicles have better occupant injury protection and lower injury rates translates into savings for insurance companies and more competitive rates for policyholders. If your Toyota FJ Cruiser has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Discounts for multiple policies – Some companies will give a discount to insureds who carry more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to compare rates to confirm you are receiving the best rates possible. Drivers may still find a better deal by insuring with multiple companies.
  • Are you male or female? – Statistics have proven that men are more aggressive behind the wheel. However, don’t assume that women are BETTER drivers than men. Women and men tend to get into accidents at about the same rate, but men cause more damage and cost insurance companies more money. Men also get cited for more serious violations such as DWI and reckless driving.
  • How’s your driving record? – A bad driving record has a big impact on rates. Even one moving violation may increase your cost forty percent or more. Drivers with clean records receive lower rates than people who have multiple driving citations. If you have severe violations like hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with the DMV in their state in order to drive a vehicle legally.
  • Your age impacts your rates – Teen drivers have a tendency to be less responsible when behind the wheel so they pay higher insurance coverage rates. Older insureds tend to be more responsible, file fewer claims and receive fewer citations.

Comprehensive Insurance Comparison

Most companies give coverage prices online. Obtaining pricing doesn’t take a lot of time as you just type in the coverage amounts you desire as detailed in the form. Once entered, the system will order credit information and your driving record and provides a quote based on many factors. Online quotes makes it a lot easier to compare rates but the time it takes to visit a lot of sites and enter the same data into a form can be a bit repetitive. But it’s absolutely necessary to do this if you want to find a lower rate.

A quicker way to compare insurance pricing uses one simple form to get prices from several companies at one time. It’s a real time-saver, helps eliminate reptitive entry, and makes price shopping online a little more enjoyable. After your information is entered, it is quoted and you can select any one of the quotes returned. If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. It takes just a few minutes to complete and may result in a nice savings.

If you want to find out if lower rates are available, click here to open in a new tab and input your coverage information. To compare your current rates, we recommend you input your coverages as shown on your current policy. This guarantees you will be getting a fair comparison based on the exact same insurance coverage.

Policy discounts you shouldn’t miss

Companies offering auto insurance don’t always publicize all their discounts very clearly, so we researched some of the more common and the harder-to-find insurance savings.

  • Life Insurance Discount – Select insurance companies reward you with a break if you buy auto and life insurance together.
  • Driver Safety – Taking a defensive driving course could save 5% or more if you qualify.
  • Senior Citizens – If you’re over the age of 55, you may qualify for a discount up to 10% on FJ Cruiser coverage.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts can save up to 15% off your PIP or medical payments premium.
  • Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% less on FJ Cruiser coverage than their less cautious counterparts.
  • Military Discounts – Having a deployed family member can result in better rates.
  • Sign Early and Save – Some companies give discounts for switching policies before your current expiration date. It can save you around 10%.
  • Good Student Discount – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
  • Auto/Home Discount – When you have multiple policies with one company you will save at least 10% off all policies.

Drivers should understand that some of the credits will not apply to your bottom line cost. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, you won’t be that lucky.

Car insurance companies that may have these benefits include:

Check with every prospective company how you can save money. Discounts may not be available in your area.

Insurance agents can help

When buying the best car insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions can help discover whether you might need an agent’s assistance.

  • What is the minimum liability in my state?
  • Are my tools covered if they get stolen from my vehicle?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Should I buy only the required minimum liability coverage?
  • What is UM/UIM insurance?
  • Am I covered when driving a rental car?
  • Should I drop comprehensive coverage on older vehicles?
  • Should I bundle my homeowners policy with my auto?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance coverages 101

Having a good grasp of car insurance helps when choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverage types offered by car insurance companies.

Collision coverage protection

Collision insurance covers damage to your FJ Cruiser resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like backing into a parked car, hitting a parking meter, crashing into a building and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Liability car insurance

This protects you from injuries or damage you cause to people or other property in an accident. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as medical expenses, medical services and attorney fees. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Comprehensive protection

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, fire damage, damage from a tornado or hurricane, rock chips in glass and falling objects. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Toyota FJ Cruiser.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for surgery, prosthetic devices and X-ray expenses. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

One last thing

We just showed you many tips how you can compare 2014 Toyota FJ Cruiser insurance prices online. The most important thing to understand is the more price quotes you have, the higher your chance of finding lower rates. Consumers may even find the best prices are with a company that doesn’t do a lot of advertising. These smaller insurers can often provide lower rates in certain areas compared to the large companies like Progressive or Geico.

While you’re price shopping online, you should never skimp on coverage in order to save money. There have been many situations where someone sacrificed liability limits or collision coverage and learned later that their decision to reduce coverage ended up costing them more. The aim is to buy enough coverage for the lowest price, not the least amount of coverage.

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