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Toyota FJ Cruiser Insurance Rates

You have lots of choices when comparing insurance rates on your Toyota vehicle. You can get prices from your neighborhood insurance agent or get quotes online to compare rates from a lot of car insurance companies. Buying car insurance through online companies saves time, is easy to do and at the same time you will probably save money.

Shopping online for car insurance is challenging if you are a beginner to online quoting. Don't let that stop you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to compare quotes from car insurance companies in your area. One of the best ways to compare FJ Cruiser insurance cost is to get quotes online. It is quite easy and can be accomplished by comparing rates here.

What factors determine FJ Cruiser insurance quotes?

Insurance rates for your Toyota FJ Cruiser can fluctuate considerably and are calculated by many factors. Taken into consideration are:

  • High performance increases premiums
  • Accidents raise premiums
  • Multiple policies can save money
  • Pleasure, commuting or business use can affect rates
  • Your age
  • Whether you are married
  • Special coverage such as replacement cost
  • Your profession
  • The amount of protection requested
  • Whether you rent or own your home

One last important factor that helps determine the rate you pay on your Toyota is the year of manufacture. Older models have a reduced actual cash value so the payout to repair may end up costing you less. But newer models may have options including anti-lock brakes, adaptive headlights, blind-spot warning system, and a backup camera which may lower rates.

To get more specific information about how much rates will be for your vehicle, select the year of your FJ Cruiser from available model years below.

Coverage for liability - This protects you from damages or injuries you inflict on other's property or people in an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so purchase as high a limit as you can afford.

Collision coverages - Collision insurance pays for damage to your Toyota resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) - Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The most 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 consider dropping full coverage.

Uninsured and underinsured coverage - This protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments - Med pay and PIP coverage kick in for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. PIP coverage is not available in all states and gives slightly broader coverage than med pay.

How Much are Toyota FJ Cruiser Insurance Rates?