2009 Toyota FJ Cruiser Car Insurance Rates – 5 Tricks for Best Quotes

Nobody that owns a car looks forward to paying for auto insurance, especially when their premiums are too high. Vehicle owners have so many auto insurance companies to purchase coverage from, and although it’s a good thing to have a choice, more options can take longer to find the best rates for your vehicles.

Finding the best coverage is easy if you know what you’re doing. If you have a policy now or are just looking to switch companies, you can learn to shop for the lowest rates while maintaining coverages. Consumers only need an understanding of the best way to shop their coverage around online.

These five discounts can cut car insurance rates

Not many people think insurance is cheap, but there could be significant discounts that can drop the cost substantially. Many of these discounts will be applied automatically at the time of quoting, but some must be requested specifically in order for you to get them.

  • Federal Government Employee – Employees or retirees of the government could cut as much as 10% off on FJ Cruiser coverage with a few car insurance companies.
  • Pay Upfront and Save – By making one initial payment instead of monthly or quarterly installments you could save 5% or more.
  • Anti-lock Brake Discount – Cars and trucks that have anti-lock braking systems can stop better under adverse conditions and the ABS can save up to 10%.
  • Multiple Policy Discount – When you combine your auto and home insurance and place coverage with the same company you could earn a discount of 10% to 20% off each policy.
  • Low Mileage Discounts – Maintaining low annual mileage may allow you to get lower car insurancerates on the low mileage vehicles.

It’s important to note that many deductions do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears you could get a free car insurance policy, you aren’t that lucky.

The best car insurance companies and the discounts they provide can be read below.

  • AAA may include discounts for multi-policy, multi-car, good student, AAA membership discount, and pay-in-full.
  • Progressive may have discounts that include multi-policy, online signing, multi-vehicle, continuous coverage, and homeowner.
  • State Farm policyholders can earn discounts including multiple autos, anti-theft, student away at school, multiple policy, Steer Clear safe driver discount, defensive driving training, and safe vehicle.
  • Esurance includes discounts for online shopper, Pac-12 alumni, safety device, multi-car, DriveSense, and emergency road assistance.
  • Nationwide has savings for easy pay, defensive driving, accident-free, multi-policy, family plan, and anti-theft.

Check with each insurance company which discounts you qualify for. Discounts may not apply in your area. To choose insurers with significant discounts, click here.

The quickest way to compare car insurance rates is to take advantage of the fact most insurance companies provide online access to give you rate quotes. To begin a comparison, all you need to do is provide information like if you went to college, if you require a SR-22, if it has an alarm system, and which vehicles you own. Your information is then sent to multiple different insurance companies and they return rate quotes very quickly.

When do I need an agent’s advice?

When buying proper insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions can aid in determining whether you will benefit from professional help.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I covered when using my vehicle for business?
  • If I drive on a suspended license am I covered?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Are my friends covered when driving my car?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What is roadside assistance coverage?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverage specifics

Having a good grasp of car insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Shown next are typical coverages available from car insurance companies.

Liability

This protects you from damage or injury you incur to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like medical services, legal defense fees, court costs and funeral expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2009 Toyota FJ Cruiser.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important. Usually these limits are identical to your policy’s liability coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like X-ray expenses, EMT expenses, rehabilitation expenses, hospital visits and pain medications. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like sideswiping another vehicle, colliding with another moving vehicle, scraping a guard rail, driving through your garage door and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from flooding, a broken windshield, damage from getting keyed, theft and hitting a bird. The most your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Shop smart and save

We just showed you some good ideas how to reduce 2009 Toyota FJ Cruiser insurance premium rates online. It’s most important to understand that the more providers you compare, the higher your chance of finding affordable insurance. Drivers may discover the biggest savings come from some of the smallest insurance companies. These companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm, GEICO and Nationwide.

Low-cost 2009 Toyota FJ Cruiser insurance can be purchased online as well as from insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies do not provide online price quotes and many times these regional carriers prefer to sell through independent agents.

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