2014 Toyota FJ Cruiser Insurance Rates – 6 Discounts for Best Quotes

Looking for the cheapest insurance rates? Shoppers have many options when shopping for the best price on Toyota FJ Cruiser insurance. They can either spend hours calling around to compare prices or utilize the internet to find the lowest rates. There are both good and bad ways to compare insurance rates and we’ll show you the proper way to price shop coverage for your Toyota and obtain the lowest price either online or from local insurance agents.

You need to shop coverage around at least once a year because prices are variable and change quite frequently. Despite the fact that you may have had the lowest rates for FJ Cruiser coverage a couple years back other companies may now be cheaper. Ignore everything you know about insurance because you’re about to learn the fastest way to reduce your cost while improving coverage.

If you have insurance now or need a new policy, you can learn to shop for the lowest rates while maintaining coverages. This information will introduce you to how to effectively get price quotes and some tricks to saving. Vehicle owners only need to know the proper way to compare company rates over the internet.

Do you qualify for a discount?

Companies that sell car insurance do not advertise all their discounts in an easy-to-find place, so here is a list some of the best known and also the lesser-known auto insurance savings. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Low Mileage – Low mileage vehicles could qualify for better rates on cars that stay parked.
  • Multi-policy Discount – If you have multiple policies with one insurance company you may save approximately 10% to 15%.
  • Driver Safety – Successfully completing a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • Federal Employees – Simply working for the federal government may qualify you for a discount for FJ Cruiser coverage with certain companies.
  • Life Insurance – Larger companies have better rates if you take out auto and life insurance together.

It’s important to note that some of the credits will not apply the the whole policy. Most only apply to specific coverage prices like liability and collision coverage. Just because you may think you would end up receiving a 100% discount, companies wouldn’t make money that way.

Insurance companies who might offer some of the above discounts may include but are not limited to:

Before buying, ask all companies you are considering which discounts they offer. Savings might not be offered in your state.

Do you really save 40% when you switch?

Consumers can’t get away from ads that promise big savings by Progressive, Geico, Allstate and State Farm. They all seem to make an identical promise about savings if you move to their company.

How does each company make almost identical claims?

Different companies have a certain “appetite” for the type of driver they prefer to insure. A good example of a profitable customer might be profiled as a mature driver, a clean driving record, and has excellent credit. A driver that hits that “sweet spot” is entitled to the best price and is almost guaranteed to cut their rates substantially.

Potential customers who are not a match for the “perfect” profile must pay higher prices which leads to the customer not buying. The ads state “drivers who switch” not “everybody who quotes” save money. This is how companies can truthfully advertise the way they do. This illustrates why drivers must get a wide range of price quotes. It is impossible to predict which company will provide you with the cheapest Toyota FJ Cruiser insurance rates.

What coverages do I need?

When it comes to choosing proper insurance coverage for your vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions can help discover whether you would benefit from an agent’s advice.

  • Are all vehicle passengers covered by medical payments coverage?
  • Should I get collision insurance on every vehicle?
  • When would I need additional glass coverage?
  • Does my 2014 Toyota FJ Cruiser qualify for pleasure use?
  • Will filing a claim cost me more?
  • Am I covered when delivering products for my home-based business?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Am I getting all the discounts available?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Auto insurance coverage options for a 2014 Toyota FJ Cruiser

Knowing the specifics of your auto insurance policy can help you determine which coverages you need for your vehicles. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Liability auto insurance – This can cover damages or injuries you inflict on other’s property or people that is your fault. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as repair costs for stationary objects, attorney fees, medical services, funeral expenses and court costs. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of 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 very important.

Comprehensive coverage – This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, hail damage, a tree branch falling on your vehicle and fire damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverages – This coverage pays for damage to your FJ Cruiser caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like scraping a guard rail, hitting a mailbox, backing into a parked car, colliding with a tree and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for expenses for things like EMT expenses, doctor visits, pain medications, hospital visits and surgery. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Online plus local equals savings

Cost effective 2014 Toyota FJ Cruiser insurance can be sourced on the web and also from your neighborhood agents, and you should be comparing both to have the best selection. Some companies may not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

In this article, we covered a lot of ways to compare insurance prices online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. You may even discover the most savings is with a company that doesn’t do a lot of advertising.

Drivers switch companies for a variety of reasons including high prices, delays in responding to claim requests, delays in paying claims or even policy non-renewal. No matter why you want to switch, choosing a new company can be less work than you think.

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