2014 Toyota FJ Cruiser Insurance Cost

Want cheaper auto insurance rates for your Toyota FJ Cruiser? Trying to find cheaper insurance for a Toyota FJ Cruiser could be difficult, but you can learn the following methods to save time.

There are both good and bad ways to buy auto insurance and you need to know the best way to quote coverages on a Toyota and get the cheapest rates either online or from local insurance agents.

Toyota FJ Cruiser rates are complex

It’s important that you understand the rating factors that go into determining the rates you pay for car insurance. Knowing what impacts premium levels enables informed choices that could result in big savings.

  • Do you have a high stress job? – Did you know that where you work can have an impact on rates? Occupations such as doctors, executives and stock brokers tend to have the highest rates attributed to job stress and long work hours. On the other hand, occupations such as farmers, students and performers receive lower rates on FJ Cruiser coverage.
  • Multiple policies with one company can save – Some car insurance companies give discounts to insureds who buy several policies from them. It’s known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even if you’re getting this discount you still need to compare rates to make sure you are getting the best deal. Drivers may still find better rates by insuring with multiple companies.
  • More miles equals more premium – Driving more miles in a year’s time the higher your rate. Most companies price each vehicle’s coverage based on their usage. Cars that are left in the garage can get a lower rate than vehicles that are driven to work every day. Verify your car insurance coverage shows the proper vehicle usage, because it can save money. If your policy improperly rates your FJ Cruiser can cost quite a bit.
  • Your location affects your rates – Being located in a small town has it’s advantages when it comes to car insurance. Fewer drivers means fewer accidents as well as less vandalism and auto theft. Drivers who live in large cities have to deal with congested traffic and longer commutes to work. More time on the road means more change of being in an accident.
  • How credit affects car insurance rates – A driver’s credit score is a important factor in your rate calculation. If your credit is lower than you’d like, you could pay less to insure your 2014 Toyota FJ Cruiser by spending a little time repairing your credit. Consumers who have high credit scores tend to be less risk to insure as compared to drivers with poor credit.

Take discounts and save

The cost of insuring your cars can be expensive, buy you may qualify for discounts to cut the cost considerably. Certain discounts will be triggered automatically when you purchase, but less common discounts must be specially asked for prior to receiving the credit. If you don’t get every credit available, you’re paying more than you need to.

  • Fewer Miles Equal More Savings – Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Multiple Cars – Insuring all your vehicles on one policy could earn a price break for each car.
  • Drivers Education – Cut your cost by having your teen driver enroll in driver’s education in school.
  • Good Student – Getting good grades can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems can get savings of more than 20%.
  • No Accidents – Claim-free drivers pay less as compared to bad drivers.
  • Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on FJ Cruiser coverage than drivers with accidents.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.

It’s important to note that most discount credits are not given to all coverage premiums. A few only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, you won’t be that lucky. Any amount of discount will help reduce your premiums.

For a list of providers offering car insurance discounts, click here.

The fine print in car insurance ads

Consumers can’t ignore all the ads for cheaper car insurance by companies like GEICO, State Farm and Progressive. All the companies say the same thing about savings if you change to them.

How does each company make almost identical claims? It’s all in the numbers.

All the different companies are able to cherry pick for the right customer that earns them a profit. A good example of a driver they prefer could be between 30 and 50, is a homeowner, and drives newer vehicles. A customer who fits that profile will get very good rates and as a result will probably save a lot of money.

Potential customers who don’t measure up to these standards must pay a more expensive rate which leads to the customer not buying. The ads say “customers who switch” not “people who quote” save that much. This is how companies can truthfully state the savings.

This illustrates why it’s extremely important to get a wide range of price quotes. It’s just too difficult to predict which insurance companies will have the lowest Toyota FJ Cruiser insurance rates.

Which policy gives me the best coverage?

When it comes to choosing proper insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique.

Here are some questions about coverages that can help discover if your situation could use an agent’s help.

  • Does my insurance cover my expensive audio equipment?
  • What if I total my 2014 Toyota FJ Cruiser and owe more than it’s worth?
  • Do I need rental car coverage?
  • Do I have coverage when making deliveries for my home business?
  • How much can I save by bundling my policies?
  • Should I buy only the required minimum liability coverage?
  • Is business equipment covered while in my vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can help protect your family.

Insurance coverages 101

Learning about specific coverages of insurance can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Comprehensive protection

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, damage from a tornado or hurricane, theft, fire damage and rock chips in glass. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured or underinsured coverage

This coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family 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, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

Collision protection

This will pay to fix damage to your FJ Cruiser caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like colliding with another moving vehicle, sustaining damage from a pot hole, crashing into a ditch and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability insurance

Liability coverage provides protection from injuries or damage you cause to a person or their property. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as repair bills for other people’s vehicles, funeral expenses, court costs and emergency aid. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Medical expense coverage

Med pay and PIP coverage provide coverage for expenses like EMT expenses, surgery and dental work. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

More effort can pay off

When trying to cut insurance costs, you should never reduce needed coverages to save money. There are a lot of situations where an insured dropped liability coverage limits to discover at claim time they didn’t purchase enough coverage. Your strategy should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

In this article, we presented many ways to compare 2014 Toyota FJ Cruiser insurance prices online. The key thing to remember is the more companies you get rates for, the better your comparison will be. You may even find the most savings is with some of the smallest insurance companies.

People switch companies for any number of reasons including delays in responding to claim requests, high prices, extreme rates for teen drivers or being labeled a high risk driver. Regardless of your reason for switching companies, finding a great new company is not as difficult as it may seem.

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