2013 Toyota FJ Cruiser Car Insurance Rates

I can’t think of a single person who likes paying for insurance, especially knowing the cost is way too high. Because there are so many insurance providers from which to choose, it is hard for the average consumer to choose the best company.

This information will introduce you to the best way to quote coverages. If you have car insurance now, you will be able to save some money using these methods. Drivers only need an understanding of the best way to compare prices online.

These factors can influence Toyota FJ Cruiser insurance rates

It’s important that you understand the factors that play a part in calculating your insurance rates. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that could result in big savings.

Shown below are some of the factors used by your company to calculate premiums.

  • Battle of the sexes – Statistics have proven that men are more aggressive behind the wheel. Now that doesn’t mean women are better drivers. They both tend to get into accidents at about the same rate, but the males tend to have more serious accidents. They also have more aggressive citations such as DWI and reckless driving.
  • Lower miles equals lower premium – The more miles you rack up on your Toyota in a year the higher your rate. The majority of insurers charge to insure your cars based on how the vehicle is used. Cars and trucks that are left in the garage qualify for better rates than vehicles that are driven to work every day. Verify your insurance policy is showing how each vehicle is driven. If your policy improperly rates your FJ Cruiser may be costing you.
  • A clean driving record saves money – Good drivers tend to pay less for car insurance than people who have multiple driving citations. Only having one ticket can increase rates by as much as thirty percent. If you have severe violations like DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 form to the state department of motor vehicles in order to drive a vehicle legally.
  • Marriage pays dividends – Having a spouse can actually save you money on your insurance policy. Having a significant other translates into being more mature it has been statistically shown that being married results in fewer claims.
  • Extra coverages can waste money – There are quite a few extra bells and whistles you can purchase on your FJ Cruiser policy. Insurance for rental car reimbursement, better glass coverage and term life insurance are some examples. These coverages may sound good when you first buy your policy, but if they’re wasting money eliminate the coverages to reduce your premium.

Save money by taking advantage of these discounts

Car insurance is not cheap, but discounts can save money and there are some available to help bring down the price. Some discounts apply automatically at quote time, but some must be specifically requested prior to getting the savings. If you don’t get every credit you deserve, you are paying more than you should be.

  • Auto/Life Discount – Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Federal Employees – Active or retired federal employment may qualify you for a discount on FJ Cruiser coverage with a few car insurance companies.
  • Memberships – Being a member of a professional or civic organization could qualify you for a break when shopping for car insurance on FJ Cruiser coverage.
  • Multiple Cars – Having all your vehicles on one policy may reduce the rate for each vehicle.
  • E-sign – A few companies will discount your bill up to fifty bucks for buying your policy digitally online.
  • Early Signing – Select companies give a discount for switching policies prior to your current policy expiration. This can save 10% or more.
  • Accident Waiver – Some insurance companies allow you one accident before your rates go up if your claims history is clear for a certain period of time.
  • Anti-theft System – Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. A few only apply to individual premiums such as comprehensive or collision. So when the math indicates it’s possible to get free car insurance, you won’t be that lucky. But any discount will cut the amount you have to pay.

To see a list of providers with discount car insurance rates, follow this link.

Can switching companies really save?

Consumers constantly see and hear ads for the lowest price auto insurance by State Farm, Allstate and Geico. They all say the same thing that you’ll save big if you move to their company.

How can each company make almost identical claims?

Insurance companies have a preferred profile for the driver that is profitable for them. For instance, a profitable customer could be over the age of 40, has no prior claims, and drives newer vehicles. A customer who matches those parameters receives the best rates and therefore will save when switching.

Potential customers who don’t qualify for the requirements must pay more money and this can result in business going elsewhere. The ads state “customers that switch” not “everybody who quotes” save that much money. This is how companies can make those claims.

This illustrates why you should quote coverage with many companies. It’s not possible to predict which auto insurance company will give you the biggest savings on Toyota FJ Cruiser insurance.

When should I use an insurance agent?

When it comes to buying proper insurance coverage, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out if your insurance needs would benefit from an agent’s advice.

  • Can I afford to pay high deductible claims out of pocket?
  • Is my cargo covered for damage or theft?
  • Is my 2013 Toyota FJ Cruiser covered for flood damage?
  • Should I buy additional glass protection?
  • Should I have combined single limit or split liability limits?
  • Is my Toyota FJ Cruiser covered if I use it for business?
  • Does liability extend to a camper or trailer?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Insurance coverages and their meanings

Learning about specific coverages of your insurance policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. These are the usual coverages available from insurance companies.

Auto collision coverage

Collision coverage will pay to fix damage to your FJ Cruiser from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like sustaining damage from a pot hole, rolling your car, driving through your garage door, colliding with a tree and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for expenses for things like X-ray expenses, doctor visits, pain medications, dental work and surgery. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Liability coverage

This provides protection from injuries or damage you cause to other people or property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as bail bonds, legal defense fees, medical expenses and court costs. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Toyota FJ Cruiser.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these coverages do not exceed the liability coverage limits.

Comprehensive coverage

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, damage from flooding and damage from getting keyed. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

The bottom line

We just showed you some good ideas how to save on 2013 Toyota FJ Cruiser insurance. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the most savings is with some of the smallest insurance companies. These smaller insurers may only write in your state and offer lower rates compared to the large companies like Progressive and Geico.

When trying to cut insurance costs, do not buy less coverage just to save a little money. There have been many situations where consumers will sacrifice full coverage only to regret that the savings was not a smart move. Your goal should be to buy enough coverage at the best price, not the least amount of coverage.

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