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Toyota FJ Cruiser Insurance Quotes

There are many options when looking for the best insurance on your Toyota vehicle. You can buy direct from an agent or price shop online to compare insurance costs of multiple insurance companies. Comparing car insurance on the web is simple to do and there is a good chance you can save money.

Using the web to shop for car insurance direct can be a challenge if you have never used online rate quotes. But don't be discouraged because it's actually quite easy. There are several ways to get quotes from car insurance companies in your area. The best way to find the cheapest FJ Cruiser insurance cost involves getting comparison quotes online. This can be accomplished by getting a quick quote here.

Car insurance premiums on a Toyota FJ Cruiser will vary greatly subject to many criteria. Some of these factors include:

  • More performance equals higher cost
  • Your accident history
  • Home and auto can earn discounts
  • Pleasure use vs. commuting use
  • Young drivers cost more
  • Being married may save money
  • Extra coverages like towing and rental
  • Your occupation
  • The amount of protection requested
  • Whether you own your home

An additional factor that can impact FJ Cruiser insurance quotes is the year of the vehicle. Used vehicles cost less than newer models so the cost to replace them can decrease annual premiums. But more recent Toyota vehicles may have safety features including a collision avoidance system, sideview assist mirrors, a backup camera, and a telematics system so those may help offset higher rates.

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

Liability car insurance

FJ Cruiser liability coverage will cover damage that occurs to people or other property. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so you should buy as much as you can afford.

Collision coverage protection

This coverage will pay to fix damage to your Toyota resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your FJ Cruiser can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive car insurance

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum amount you'll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when the "other guys" are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Personal injury protection coverage is only offered in select states and may carry a deductible.

How Much are Toyota FJ Cruiser Insurance Rates?