Compare 2012 Toyota FJ Cruiser Car Insurance Rates

Looking for lower auto insurance rates for your Toyota FJ Cruiser? Did you fall for a flashy sales pitch and buy high-priced auto insurance? Believe me, you’re not alone. Since consumers have many companies to choose from, it can be challenging to choose the most affordable insurance company.

It’s a great practice to compare prices once or twice a year since rates trend upward over time. If you had the lowest price on FJ Cruiser insurance last year you may be paying too much now. So forget anything you know (or think you know) about auto insurance because I’m going to teach you how to use the internet to save on auto insurance.

The easiest way to get rate comparisons utilizes the fact all the major auto insurance companies actually pay money for the chance to provide you with a free rate quote. To get started, all you need to do is provide a small amount of information including whether you are married, whether you drive to work or school, how much you drive, and how much education you have. That rating information is instantly submitted to many highly-rated insurers and they return rate quotes immediately.

There’s no such thing as the perfect policy

When it comes to buying adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s needs are different so your insurance needs to address that. For example, these questions can help discover whether your personal situation might need an agent’s assistance.

• Who is covered when they drive my 2012 Toyota FJ Cruiser?
• Should I buy only the required minimum liability coverage?
• Does insurance cover tools stolen from my truck?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Where can I find high-risk insurance?
• What is the difference between comprehensive and collision coverage?
• Why am I be forced to buy a membership to get insurance from some companies?
• Should I carry comprehensive and collision coverage?
• Do I have any recourse if my insurance company denies a claim?
• What if I owe more than I can insure my car for?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

The coverage is in the details

Learning about specific coverages of car insurance can help you determine appropriate coverage and proper limits and deductibles. Car insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages offered by car insurance companies.

Collision – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as colliding with another moving vehicle, damaging your car on a curb, crashing into a ditch, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive coverages – This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like fire damage, hitting a bird, hitting a deer and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Toyota FJ Cruiser.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Liability coverage – This coverage protects you from damage or injury you incur to a person or their property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims like repair bills for other people’s vehicles, medical services, structural damage, repair costs for stationary objects and medical expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical payments – Coverage for medical payments and/or PIP pay for immediate expenses for things like ambulance fees, surgery, pain medications and hospital visits. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage