Compare 2013 Toyota FJ Cruiser Insurance Rates

I really doubt anyone looks forward to paying for insurance coverage, especially knowing they could lower their rates if they shopped around.

Many insurance companies vie for your insurance dollar, so it can be very hard to choose a provider to get the lowest cost out there.

It’s important to take a look at other company’s rates on a regular basis due to the fact that insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest price on FJ Cruiser insurance a year ago you may be paying too much now. Forget all the misinformation about insurance coverage because we’re going to show you the quickest way to properly buy coverages and cut your premium.

If you currently have car insurance, you will be able to reduce your rates substantially using this strategy. Choosing the best insurance company for you is easy if you know what you’re doing. But drivers must understand how the larger insurance companies market on the web and take advantage of how the system works.

The quickest method we recommend to compare rates is to know all the major auto insurance companies allow for online access to give rate comparisons. The only thing you need to do is provide a little information such as deductibles desired, your education level, driver ages, and any included safety features. The data is then sent to insurance companies and they provide comparison quotes instantly.

To find lower rates now, click here and see if a lower rate is available.

Drivers save money with with these discounts

Car insurance is not cheap, but companies offer discounts to help offset the cost. Most are applied when you quote, but less common discounts must be specifically requested prior to receiving the credit.

  • Senior Citizens – If you’re over the age of 55, you could receive lower premium rates on FJ Cruiser insurance.
  • ABS and Traction Control Discounts – Vehicles equipped with ABS or steering control can avoid accidents and the ABS can save up to 10%.
  • Student in College – Youth drivers who are attending college and do not take a car to college can be insured at a reduced rate.
  • Government Employees – Active or former government employment could qualify for a slight premium decrease on FJ Cruiser insurance with some car insurance companies.
  • Driving Data Discount – Drivers that enable their insurance company to monitor their driving habits by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates if they exhibit good driving behavior.
  • Full Payment Discount – By making one initial payment instead of monthly or quarterly installments you may reduce your total bill.
  • Memberships – Affiliation with a civic or occupational organization could qualify you for a break on car insurance.

You should keep in mind that some of the credits will not apply to all coverage premiums. A few only apply to the cost of specific coverages such as liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

A few of the larger companies and some of the discounts can be read below.

  • AAA may have discounts that include AAA membership discount, multi-policy, good driver, anti-theft, multi-car, pay-in-full, and education and occupation.
  • Progressive offers discounts for multi-vehicle, online signing, continuous coverage, homeowner, good student, and online quote discount.
  • State Farm has savings for multiple policy, defensive driving training, good student, accident-free, and student away at school.
  • Esurance offers discounts including defensive driver, good student, claim free, multi-car, online shopper, good driver, and DriveSense.
  • Nationwide has discounts for Farm Bureau membership, good student, easy pay, business or organization, accident-free, anti-theft, and multi-policy.

Before you buy a policy, ask all companies you are considering which discounts they offer. Some of the discounts discussed earlier may not apply to policyholders in your area. To locate car insurance companies with the best discounts, click this link.

Your situation helps dictate your coverage

When it comes to choosing the right insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover if your insurance needs would benefit from an agent’s advice.

  • Am I covered if I hit a deer?
  • What is high-risk coverage and where do I buy it?
  • Is my custom paint covered by insurance?
  • Am I covered when driving in Canada or Mexico?
  • Is upholstery damage covered by car insurance?
  • When would I need rental car insurance?
  • How can I get my company to pay me more for my totalled car?
  • Why am I required to buy liability insurance?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Who is covered when they drive my 2013 Toyota FJ Cruiser?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.

Insurance premiums are influenced by these factors

One of the most helpful ways to save on insurance coverage is to to have a grasp of some of the elements that aid in calculating your premiums. If you know what determines premiums, this helps enable you to make changes that could help you find better insurance coverage rates. Lots of factors are used when premium rates are determined. Some factors are common sense like a motor vehicle report, although some other factors are more transparent such as your marital status or your financial responsibility.

The items below are a few of the “ingredients” insurance coverage companies consider when setting rates.

  • Vehicles with better crash test results cost less to insure – Safer cars tend to have better insurance rates. Vehicles built for safety result in less severe injuries and lower injury rates means lower claim amounts passed on to you as lower rates.
  • Only buy incidental coverages you need – There are quite a few additional extra coverages that can add up on your FJ Cruiser policy. Insurance for replacement cost coverage, towing, and additional equipment coverage may be costing you every month. These coverages may sound good when talking to your agent, but your needs may have changed so consider taking them off your policy.
  • Premiums are affected by your credit rating – Your credit rating will be a significant factor in determining premium rates. So if your credit rating can be improved, you could potentially save money when insuring your 2013 Toyota FJ Cruiser if you improve your credit rating. People that have excellent credit scores tend to file fewer claims and have better driving records than drivers who have poor credit.
  • Better prices for no policy lapses – Not having insurance is a misdemeanor and as a result your rates will increase for letting your coverage have a gap. And not only will insurance be more expensive, failure to provide proof of insurance will get you a license revocation or jail time.

Insurance coverages and their meanings

Having a good grasp of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by insurance companies.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision coverages – This coverage will pay to fix damage to your FJ Cruiser resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as crashing into a ditch, scraping a guard rail, colliding with another moving vehicle, crashing into a building and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for ambulance fees, prosthetic devices, rehabilitation expenses and funeral costs. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for liability – This coverage provides protection from damage or injury you incur to a person or their property. This insurance protects YOU from claims by other people. It does not 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. You might see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things like repair costs for stationary objects, emergency aid, repair bills for other people’s vehicles, medical expenses and loss of income. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive or Other Than Collision – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like rock chips in glass, vandalism and damage from flooding. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

What is YOUR best insurance company?

We covered a lot of ways to compare 2013 Toyota FJ Cruiser insurance prices online. It’s most important to understand that the more price quotes you have, the higher your chance of finding cheap car insurance. You may even find the best prices are with some of the lesser-known companies. Some small companies may only write in your state and offer lower rates as compared to the big name companies such as Allstate, GEICO and Progressive.

As you prepare to switch companies, do not skimp on critical coverages to save a buck or two. There are many occasions where an insured cut full coverage only to discover later they didn’t purchase enough coverage. The goal is to purchase a proper amount of coverage at a price you can afford and still be able to protect your assets.

Additional information can be read at the links below