How Much Does 2014 Toyota FJ Cruiser Car Insurance Cost?

Searching for better insurance rates for your Toyota FJ Cruiser? Searching for low-cost insurance online can seem to be challenging for consumers who are new to buying insurance on the web. With so many options of insurers to choose from, how are consumers expected to possibly compare the different rates to find the best price?

It is always a good idea to shop coverage around as often as possible because rates are constantly changing. Just because you had the best deal for FJ Cruiser insurance at your last renewal you will most likely find a better price today. Block out anything you think you know about insurance because you’re about to learn the right way to remove unneeded coverages and save money.

If you are paying for car insurance now, you stand a good chance to be able to save some money using this strategy. Locating the lowest cost insurance is simple if you know the tricks. But drivers can benefit by having an understanding of how the larger insurance companies sell insurance online and take advantage of how the system works.

Save with these discounts

The price of auto insurance can be rather high, but you can get discounts that could drop your premiums quite a bit. Some discounts apply automatically at the time you complete a quote, but lesser-known reductions have to be specifically requested before being credited.

  • Driver’s Ed – It’s a good idea to have your young drivers participate in a local driver’s education class as it can save substantially.
  • Accident Forgiveness Coverage – but some companies like Liberty Mutual, Allstate and State Farm will turn a blind eye to one accident without getting socked with a rate hike so long as you haven’t had any claims prior to being involved in the accident.
  • Low Mileage Discounts – Low annual miles may enable drivers to earn discounted insurance coveragerates on garaged vehicles.
  • Federal Government Employee – Active or former government employment could cut as much as 10% off for FJ Cruiser insurance with some insurance coverage companies.
  • Smart Student Discounts – Performing well in school can get you a discount of up to 25%. Many companies even apply the discount to college students up to age 25.
  • Anti-theft Discount – Vehicles that have factory anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
  • Pay Now and Pay Less – If you can afford to pay the entire bill as opposed to paying monthly you may have a lower total premium amount.
  • Discounts for Safe Drivers – Drivers who avoid accidents could pay up to 40% less for FJ Cruiser insurance as compared to drivers with claims.

Don’t be surprised that most discount credits are not given to the overall cost of the policy. Most only apply to specific coverage prices like liability, collision or medical payments. Despite the appearance that you would end up receiving a 100% discount, it’s just not the way it works.

To see insurers with significant discounts, follow this link.

How to compare free insurance coverage rate quotes

All major insurance coverage companies such as State Farm and Allstate give prices directly from their websites. Getting prices online is fairly straightforward as you simply enter the coverages you want into a form. When the form is submitted, the quote system sends out for information on your driving record and credit history and returns a price based on many factors.

Online price estimates simplifies rate comparisons, but the process of having to visit several different sites and enter the same data into a form is not the best way to spend an afternoon. But it’s very important to get many rate quotes if you want to find the lowest price.

Keep reading for an easier way to compare prices

The quickest way to compare insurance coverage pricing uses one simple form that analyzes rates from multiple companies. It’s a real time-saver, eliminates form submissions, and makes online quotes much easier to do. After sending the form, it gets priced and you are able to buy any of the resulting price quotes. If you find a better price you can click and sign and buy the policy. This process takes just a few minutes to complete and you will know how your current rates stack up.

To quickly find out how much you can save on insurance coverage, click here to open in new window and input your coverage information. To compare your current rates, we recommend you enter the coverage information exactly as shown on your declarations page. This way, you will have a rate comparison for similar insurance coverage.

How your FJ Cruiser insurance premiums are determined

Part of the car insurance buying process is learning a few of the rating criteria that help determine the level of your policy premiums. When consumers understand what determines premiums, this allows you to make good choices that can help you get lower premium levels. Many factors are part of the equation when you quote your car insurance policy. Some are obvious like a motor vehicle report, although others are more transparent like your vehicle usage or your commute time.

Shown below are a partial list of the pieces utilized by car insurance companies to help set your rate level.

  • Proper usage rating affects rates – The higher the mileage driven annually the more you’ll pay to insure it. Most companies charge rates based upon how the vehicle is primarily used. Cars and trucks that have low annual miles can get a lower rate than those used for commuting. Having the wrong rating on your FJ Cruiser may be costing you higher rates. Verify your car insurance policy correctly shows annual mileage, because improper ratings can cost you money.
  • Never go without car insurance – Driving any period of time without insurance is a misdemeanor and you will pay a penalty because you let your coverage cancel without a new policy in place. Not only will you pay more, failure to provide proof of insurance may earn you a hefty fine and possibly a revoked license. You may then be required to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
  • High coverage deductibles cost less – Physical damage deductibles are how much you are required to spend out-of-pocket if a claim is determined to be covered. Coverage for physical damage, aka comp and collision, protects your car from damage. Some coverage claims are colliding with a stationary object, fire damage, and damage caused by road hazards. The larger the amount you choose to pay out-of-pocket, the bigger discount you will receive for FJ Cruiser insurance.
  • Gender as a rate factor – Over the last 50 years, statistics have shown women are more cautious behind the wheel. However, don’t assume that females are better at driving than males. Both genders get in auto accidents at a similar rate, but men cause more damage. Not only are claims higher, but men receive more costly citations such as DWI and reckless driving.
  • Choose high safety ratings and save – Vehicles with high crash test scores can get you lower premiums. These vehicles help reduce the chance of injuries in an accident and better occupant protection means your insurance company pays less and more competitive rates for policyholders. If your Toyota scored at minimum four stars on Safercar.gov it is probably cheaper to insure.

Special considerations

When choosing coverage for your personal vehicles, there is no one size fits all plan. Every situation is different.

For example, these questions can aid in determining whether or not you would benefit from professional advice.

  • Do I need motorclub coverage?
  • What is roadside assistance coverage?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I need an umbrella policy?
  • When would I need rental car insurance?
  • When should I drop full coverage on my 2014 Toyota FJ Cruiser?
  • Am I covered if hit by an uninsured driver?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form.

Specific coverages for a Toyota FJ Cruiser

Learning about specific coverages of car insurance helps when choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, theft, rock chips in glass, hitting a bird and damage from getting keyed. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as X-ray expenses, surgery, prosthetic devices, chiropractic care and funeral costs. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Collision coverage protection

Collision coverage will pay to fix damage to your FJ Cruiser caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a mailbox, damaging your car on a curb, sideswiping another vehicle and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Liability

Liability coverage protects you from damage that occurs to people or other property. It protects YOU from legal claims by others, 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. Your policy might show values of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for claims such as funeral expenses, pain and suffering, repair bills for other people’s vehicles and bail bonds. How much coverage you buy is up to you, but you should buy as much as you can afford.

Quote more, save more

You just learned a lot of information how to shop for 2014 Toyota FJ Cruiser insurance online. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding affordable insurance coverage. You may be surprised to find that the most savings is with an unexpected company.

People switch companies for many reasons like delays in responding to claim requests, extreme rates for teen drivers, questionable increases in premium and policy cancellation. It doesn’t matter what your reason, switching companies is pretty easy and you might even save some money in the process.

Low-cost 2014 Toyota FJ Cruiser insurance can be bought on the web and with local insurance agents, and you should compare rates from both to get a complete price analysis. There are still a few companies who may not provide rates over the internet and most of the time these regional insurance providers sell through independent agents.

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