2012 Toyota FJ Cruiser Car Insurance Quotes

Do you get frustrated by the wide range of car insurance choices? You’re not alone. You have so many options that it can turn into a chore to find the best rates.

Consumers should take time to shop coverage around before your next renewal because car insurance prices change regularly. Even if you think you had the best quotes for FJ Cruiser coverage a few years ago you may be paying too much now. You’ll find a ton of advice on car insurance on the web, but in a few minutes you can learn a lot of great tips on how to reduce your car insurance bill.

Earn discounts to get lower-cost auto insurance rates

Auto insurance is not cheap nor is it fun to buy but there may be some discounts that can dramatically reduce your bill. A few discounts will automatically apply when you get a quote, but once in a while a discount must be specially asked for before they will apply. If you do not double check each discount you qualify for, you are just wasting money.

  • Organization Discounts – Joining a professional or civic organization is a simple method to lower premiums on your bill.
  • Life Insurance Discount – Larger insurance companies have a discount if you purchase a life insurance policy as well.
  • Distant Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from home and leave their car at home can be insured at a reduced rate.
  • Driving Data Discount – Insureds who allow driving data collection to look at where and when they drive by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they show good driving skills.
  • Good Student Discount – Performing well in school can save 20 to 25%. The good student discount can last until age 25.
  • Waiver for an Accident – Not a discount per se, but some companies like Geico, Progressive, and Allstate will let one accident slide before they charge you more for coverage as long as you don’t have any claims for a set time period.
  • Discounts for New Vehicles – Buying auto insurance coverage on a new vehicle may earn a small discount because new vehicles are generally safer.

Remember that many deductions do not apply to the entire cost. A few only apply to individual premiums such as collision or personal injury protection. So even though you would think adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

A list of auto insurance companies and the discounts they provide are detailed below.

  • Progressive offers premium reductions for multi-policy, online quote discount, continuous coverage, good student, online signing, and homeowner.
  • Geico may offer discounts for daytime running lights, anti-theft, emergency military deployment, seat belt use, good student, defensive driver, and multi-policy.
  • State Farm offers discounts for Drive Safe & Save, Steer Clear safe driver discount, passive restraint, defensive driving training, and student away at school.
  • Esurance discounts include good driver, renters, claim free, online shopper, and homeowner.
  • The Hartford policyholders can earn discounts including good student, anti-theft, defensive driver, driver training, bundle, air bag, and vehicle fuel type.

It’s a good idea to ask each company or agent how you can save money. All car insurance discounts might not be available to policyholders in your area. To see a list of companies with the best auto insurance discounts, click this link.

Ways to get car insurance price quotes

There are multiple methods to shop for car insurance, but there is one way that is easier and takes less work. You can spend countless hours talking to insurance agencies in your area, or you can utilize online quotes to get pricing more quickly.

Many companies take part in a program where insurance shoppers only type in their quote data once, and every company provides a quote based on the submitted data. This system prevents you from having to do form submissions to each individual car insurance company.

To compare rates now click here to start a free quote.

The single downside to comparing rates this way is you don’t know exactly the providers to get pricing from. So if you prefer to pick specific providers to compare prices, we have assembled a list of the cheapest car insurance companies in your area. Click here for list of insurance companies.

Whichever way you choose to compare rates, try to keep exactly the same coverages and limits on every quote you get. If the quotes have different data it will be next to impossible to determine which company has the best rates. Just a small difference in coverages could throw off the whole comparison. Just keep in mind that obtaining a wide range of quotes gives you a better chance of getting a lower rate. Not every company provides rate quotes online, so it’s necessary to compare price quotes from the smaller companies as well.

Toyota FJ Cruiser insurance premiums can be reduced

Part of the insurance buying process is learning some of the things that help determine the level of your policy premiums. If you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may result in lower premium levels.

  • How many miles do you drive? – The more you drive each year the higher your rate. The majority of insurers charge rates partially by how you use the vehicle. Autos not used for work or commuting qualify for better rates than those that get driven frequently. Having an incorrect usage rating on your FJ Cruiser can result in significantly higher rates. Ask your agent if your vehicle rating reflects how each vehicle is driven, because improper ratings can cost you money.
  • Cheaper premiums with safer cars – Vehicles with good safety scores are cheaper to insure. Safe vehicles have better occupant injury protection and any reduction in injury severity means your insurance company pays less and cheaper rates on your policy.
  • Get a ticket, pay higher rates – Drivers with clean records tend to pay less for car insurance than people who have multiple driving citations. Having just one speeding ticket or other violation can boost insurance rates by as much as twenty percent. Drivers who have gotten careless violations like hit and run, DWI or reckless driving convictions may find they need to maintain a SR-22 with their state DMV in order to legally drive a vehicle.
  • Your age impacts your premiums – Mature drivers are viewed as being more responsible, are lower risk to insure and are safer drivers.Teen drivers are known to be careless and easily distracted behind the wheel so they pay higher insurance rates.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different.

These are some specific questions might point out whether your personal situation would benefit from an agent’s advice.

  • Do I need an umbrella policy?
  • If my pet gets injured in an accident are they covered?
  • Should I waive the damage coverage when renting a car?
  • Which companies will insure high-risk drivers?
  • Why does it cost so much to insure a teen driver?
  • Is pleasure use cheaper than using my 2012 Toyota FJ Cruiser to commute?
  • Is my ex-spouse still covered by my policy?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form.

Car insurance coverage information

Understanding the coverages of your auto insurance policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for bills for things like prosthetic devices, doctor visits and ambulance fees. They are used to fill the gap from your health insurance plan or if you do not have health coverage. They cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as a broken windshield, fire damage, damage from flooding and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverages – This coverage covers damage to your FJ Cruiser from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like hitting a mailbox, scraping a guard rail, hitting a parking meter and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Liability coverages – This protects you from damage or injury you incur to people or other property that is your fault. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims like pain and suffering, attorney fees, bail bonds, legal defense fees and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Toyota FJ Cruiser.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages are identical to your policy’s liability coverage.

Shop Smart and Save

Affordable 2012 Toyota FJ Cruiser insurance can be purchased online and from local insurance agents, and you should compare price quotes from both so you have a total pricing picture. A few companies don’t offer online price quotes and these regional insurance providers prefer to sell through independent insurance agencies.

When trying to cut insurance costs, it’s not a good idea to skimp on coverage in order to save money. In many instances, someone sacrificed uninsured motorist or liability limits and found out when filing a claim that the savings was not a smart move. Your objective should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.

Insureds switch companies for many reasons like high prices, poor customer service, an unsatisfactory settlement offer or even delays in responding to claim requests. It doesn’t matter what your reason, finding the right insurance provider is easier than you think.

Additional insurance information can be found at the links below