View 2013 Toyota FJ Cruiser Car Insurance Cost

Trying to find better car insurance rates for your Toyota FJ Cruiser? Being forced to pay for high-priced car insurance premiums can draw down your bank account and require stricter spending habits. Doing a price comparison is a fast and free way to make ends meet.

Many insurance companies vie for your business, and it can be difficult to compare rates to discover the definitive lowest cost out there.

If you have car insurance now, you will be able to save some money using this information. Buying car insurance is not rocket science. But car owners can benefit by having an understanding of how insurance companies price online insurance and use this information to your advantage.

Don’t overlook these auto insurance discounts

Some insurance providers don’t always advertise every discount in a way that’s easy to find, so the following is a list of a few of the more common in addition to some of the lesser obvious credits available to bring down your rates.

  • Safe Driver Discount – Insureds without accidents can save up to 40% or more on their auto insurance quote on FJ Cruiser coverage than drivers with accident claims.
  • Life Insurance Discount – Some insurance carriers give better prices if you take out some life insurance in addition to your auto policy.
  • Active Service Discounts – Being on active duty in the military may lower your premium rates slightly.
  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices help deter theft so companies will give you a small discount.
  • E-sign Discounts – Many companies may give you up to $50 for signing up on their website.
  • Drive Less and Save – Driving less may enable drivers to earn discounted prices on garaged vehicles.
  • Bundle and Save – If you can bundle your auto and homeowners insurance and place coverage with the same company you could earn a discount of as much as 10 to 15 percent.
  • Driver Safety – Taking time to complete a course teaching safe driver skills may get you a small discount if you qualify.

Don’t be surprised that most of the big mark downs will not be given to the entire cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. Just because it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.

A few of the larger companies and some of the premium reductions they offer are:

  • 21st Century may offer discounts for good student, automatic seat belts, early bird, student driver, defensive driver, and teen driver.
  • State Farm may include discounts for anti-theft, student away at school, Steer Clear safe driver discount, passive restraint, good driver, multiple policy, and defensive driving training.
  • AAA offers discounts for education and occupation, multi-policy, good driver, anti-theft, good student, multi-car, and AAA membership discount.
  • Liberty Mutual includes discounts for multi-car, new move discount, teen driver discount, safety features, and new graduate.
  • Progressive has savings for multi-policy, online signing, online quote discount, continuous coverage, homeowner, and good student.

If you want the cheapest auto insurance quotes, ask all the companies to apply every possible discount. Some of the earlier mentioned discounts might not be available to policyholders in your area. To view auto insurance companies that offer multiple discounts, click here to view.

How to buy car insurance online

Most major insurance companies provide prices for coverage on their websites. Obtaining pricing is fairly simple as you just enter your required coverages on the page. When complete, their system will order your credit score and driving record and returns a price based on the information you submitted. Online price estimates makes it a lot easier to compare rates but the time required to go to many different websites and enter the same data into a form is a waste of time. But it’s absolutely necessary to compare as many rates as possible if you want to get a lower rate.

There is a better way!

A more efficient way to compare car insurance pricing is to use a quote form to return rates from multiple companies. It’s a real time-saver, eliminates form submissions, and makes comparison shopping a lot less work. As soon as you send your information, it gets priced with multiple companies and you can pick your choice of the resulting price quotes. If the quotes result in lower rates, you simply finish the application and purchase the new policy. It takes just a few minutes to complete and you’ll know if lower rates are available.

If you want to find out how much you’re overpaying now, click here to open in a new tab and complete the simple form. If you have coverage now, it’s recommended that you enter coverages and limits exactly as shown on your declarations page. Doing this guarantees you will have a price comparison for similar coverage.

When to get professional advice

When it comes to buying coverage, there is no best way to insure your cars. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that can aid in determining if your insurance needs will benefit from professional help.

  • Is business equipment covered while in my vehicle?
  • How high should deductibles be on a 2013 Toyota FJ Cruiser?
  • Should I bundle my homeowners policy with my auto?
  • Does my 2013 Toyota FJ Cruiser need full coverage?
  • Am I covered by my spouse’s policy after a separation?
  • Who is covered by my policy?
  • What happens if I owe more than my 2013 Toyota FJ Cruiser is worth?
  • Am I covered when delivering products for my home-based business?
  • How do I insure my teen driver?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Auto insurance coverage information

Learning about specific coverages of insurance can help you determine the right coverages and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy. These are the normal coverages offered by insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Collision protection

Collision coverage covers damage to your FJ Cruiser resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as hitting a parking meter, backing into a parked car, rolling your car, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for chiropractic care, nursing services, dental work and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive insurance

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from getting keyed, damage from flooding, vandalism and rock chips in glass. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverage

Liability insurance protects you from damages or injuries you inflict on other people or property in an accident. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for things like medical expenses, funeral expenses, repair costs for stationary objects, bail bonds and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Save for a rainy day

We’ve covered a lot of ways to save on 2013 Toyota FJ Cruiser insurance. The most important thing to understand is the more times you quote, the higher the chance of saving money. Consumers could even find that the best premium rates are with a smaller regional carrier. They often have lower prices on specific markets than the large multi-state companies such as Progressive or Geico.

As you go through the steps to switch your coverage, it’s a bad idea to sacrifice coverage to reduce premiums. There are many occasions where consumers will sacrifice physical damage coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal is to get the best coverage possible at the best possible price while still protecting your assets.

Lower-priced 2013 Toyota FJ Cruiser insurance can be found both online as well as from independent agents, so get free auto insurance quotes from both of them to have the best chance of lowering rates. Some insurance companies do not offer internet price quotes and most of the time these smaller companies only sell through local independent agencies.

Even more information can be found in the articles below: