Cheaper 2013 Toyota FJ Cruiser Car Insurance Rates

Want the cheapest car insurance rates for your Toyota FJ Cruiser? Trying to find the cheapest insurance for a Toyota FJ Cruiser can turn out to be a lot of work, but you can follow these tips and make it easy.

There is a right way and a wrong way to compare car insurance rates and you need to know the best way to price shop coverage for a Toyota and obtain the cheapest rates.

These factors can influence Toyota FJ Cruiser insurance rates

An important part of buying insurance is that you know the rating factors that go into determining your auto insurance rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that could result in big savings.

What are your deductibles? – Your deductibles define the amount you are willing to pay if you file a covered claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some examples of claims that would be covered are running into the backend of another car, collision with an animal, and windstorm damage. The more expense the insured has to pay upfront, the less your auto insurance will be on FJ Cruiser coverage.
Your auto insurance rates can be influenced by your job – Careers like doctors, executives and dentists tend to pay the highest average rates in part from stressful work requirements and lots of time spent at work. Other professions such as pilots, historians and the unemployed have the lowest average rates on FJ Cruiser coverage.
Always keep insurance in force – Allowing your coverage to lapse is a quick way to increase your auto insurance rates. Not only will rates go up, failure to provide proof of insurance might get you a license revocation or jail time.Then you may be required to file a SR-22 with your state motor vehicle department to get your license reinstated.
Frequent auto insurance claims increase rates – Car insurance companies give discounts to policyholders who are claim-free. If you frequently file small claims, you can look forward to either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
Lower rates with optional equipment – Purchasing a vehicle that has an advanced theft prevention system can help bring down rates. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.
Safer occupants lowers premiums – Vehicles with good safety scores tend to have better insurance rates. Safer cars reduce injuries and better occupant protection translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Toyota FJ Cruiser earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
Your spouse saves you money – Having a wife or husband actually saves money when buying auto insurance. Having a significant other means you’re more mature than a single person it has been statistically shown that drivers who are married are more cautious.
Do you need those extra coverages? – There are a lot of extra bells and whistles that can waste your money on your FJ Cruiser policy. Insurance for vanishing deductibles, accident forgiveness and additional equipment coverage may be wasting your money. These may sound like a good investment when you first buy your policy, but now you might not need them so eliminate the coverages to reduce your premium.

Comparison of Insurance Coverage

Effectively comparing insurance coverage prices can be exhausting if you don’t understand the fastest way to get free quotes. You could waste a few hours driving to insurance agencies in your area, or you can utilize the web to get pricing more quickly.

Most of the larger companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and at least one company provides a quote. This saves time by eliminating quote forms to every company.

To compare 2013 Toyota FJ Cruiser rates using this form now click to open in new window.

The only drawback to using this type of form is that consumers can’t choose the insurers to get quotes from. If you wish to select specific insurance companies to compare, we have a page of insurance coverage companies in your area. Click here for list of insurance companies.

Whichever method you choose, double check that you are using exactly the same deductibles and coverage limits for each price quote. If the quotes have higher or lower deductibles it’s impossible to truly determine the lowest rate.

Don’t pay full price with these discounts

Car insurance is not cheap, but you may find discounts that you may not even be aware of. A few discounts will automatically apply when you complete an application, but a few need to be asked for before they will apply. If you aren’t receiving every discount possible, you’re just leaving money on the table.

Homeowners Savings – Being a homeowner may earn you a small savings because of the fact that having a home shows financial diligence.
College Student – Children who attend school more than 100 miles from home and do not have a car can receive lower rates.
Save over 55 – Mature drivers can possibly qualify for better auto insurance rates on FJ Cruiser coverage.
Drive Safe and Save – Safe drivers may receive a discount up to 45% less on FJ Cruiser coverage than drivers with accidents.
Life Insurance – Larger companies have a discount if you purchase auto and life insurance together.
Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.

It’s important to note that most of the big mark downs will not be given the the whole policy. Most only cut individual premiums such as physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, you won’t be that lucky. But all discounts will help reduce the amount you have to pay.

To see a list of insurers who offer auto insurance discounts, follow this link.

Your personal situation dictates your coverage

When buying the right insurance coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine whether or not you would benefit from an agent’s advice.

Do I need special endorsements for business use of my vehicle?
Why am I required to buy high-risk coverage?
Do I get a pro-rated refund if I cancel my policy early?
How do I buy GAP insurance?
Why is insurance for a teen driver so high?
Are my friends covered when driving my car?
Is my 2013 Toyota FJ Cruiser covered for flood damage?
Is extra glass coverage worth it?

If you can’t answer these questions then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and you can get the answers you need.

Coverage specifics

Having a good grasp of auto insurance can help you determine 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.

Comprehensive coverage

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, theft, vandalism and hitting a deer. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverages

This will cover damage that occurs to a person or their property. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which means a $50,000 limit per person for 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. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability can pay for things like loss of income, repair costs for stationary objects and court costs. How much coverage you buy is up to you, but you should buy higher limits if possible.

Collision protection

This 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 then insurance will cover the remainder.

Collision can pay for claims such as driving through your garage door, crashing into a building, hitting a parking meter, backing into a parked car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for expenses such as dental work, funeral costs, surgery, EMT expenses and hospital visits. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Toyota FJ Cruiser.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits are set the same as your liablity limits.

In Summary

You just read some good ideas how you can save on 2013 Toyota FJ Cruiser insurance. The key thing to remember 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.

Low-cost insurance is available both online in addition to many insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance providers do not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

Consumers leave their current company for a variety of reasons including poor customer service, not issuing a premium refund, policy non-renewal or even an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding the right car insurance provider is easier than you think.