2012 Toyota FJ Cruiser Insurance Quotes – 6 Tips for Cheaper Rates

Finding better rates for insurance coverage can be a challenge for people who are new to comparing rates online. There are so many companies to choose from that it can be a challenge to find the best price.

Compare Auto Insurance Costs

When shopping for auto insurance there are multiple ways to compare rate quotes from local auto insurance companies. The quickest method to find the lowest 2012 Toyota FJ Cruiser rates is simply to get online rate quotes. This is very easy and can be done in just a few minutes using one of these methods.

The recommended way to find the lowest comparison rates is an all-inclusive rate comparison like this one (opens in new window). This easy form prevents you from having to do separate quotation requests for every auto insurance company. A single, simple form will get you rate comparisons from several companies. It’s definitely the quickest method.
A more difficult way to obtain and compare quotes online is to manually visit each company website to complete their respective quote request forms. For instance, we’ll pretend you want comparison quotes from State Farm, Liberty Mutual and Allstate. To get rate quotes you would need to take the time to go to each site and enter your information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.

It’s your choice how you get your quotes, but ensure you are comparing the exact same deductibles and coverage limits for every company. If your comparisons have higher or lower deductibles you will not be able to determine the lowest rate for your Toyota FJ Cruiser. Having just a slight variation in limits may result in a large different in cost. It’s important to know that comparing a large number of companies gives you a better chance of getting lower pricing.

Tailor your coverage to you

When it comes to buying coverage, there really is not a one size fits all plan. Everyone’s situation is unique.

For instance, these questions can help discover if your insurance needs will benefit from professional help.

Am I covered by my employer’s commercial auto policy when driving my personal car for business?
Am I covered by my spouse’s policy after a separation?
What is the ISO rating for a 2012 Toyota FJ Cruiser?
Am I covered when delivering products for my home-based business?
Why am I be forced to buy a membership to get insurance from some companies?
Should I carry comprehensive and collision coverage?
When would I need rental car insurance?
How much liability coverage do I need in my state?
Do I have coverage if my license is suspended?
How does medical payments coverage work?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Coverage specifics

Learning about specific coverages of your car insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses for rehabilitation expenses, prosthetic devices and hospital visits. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as theft, vandalism, hitting a bird, fire damage and falling objects. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto liability

Liability coverage provides protection from injuries or damage you cause to other people or property. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as repair costs for stationary objects, legal defense fees, medical expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage

This will pay to fix damage to your FJ Cruiser from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like crashing into a ditch, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 2012 Toyota FJ Cruiser.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits do not exceed the liability coverage limits.