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Toyota FJ Cruiser Insurance Rates

Shopping for car insurance by quoting online is easy and at the same time you can save money. The key is getting as many rate quotes as possible in order to accurately compare all your choices.

Consumers not familiar with comparison shopping may think shopping for cheap FJ Cruiser insurance is hard. There are several ways to compare rate quotes from local car insurance companies. The fastest way to find the cheapest FJ Cruiser insurance quotes consists of shopping online. It is quite easy and can be accomplished by getting a quick quote here.

What factors impact car insurance premiums?

Car insurance premiums for a Toyota FJ Cruiser can be significantly different based upon several criteria. Taken into consideration are:

  • Your driving record
  • Better credit means lower rates
  • Where you reside can make a big difference
  • How many miles you drive
  • Male drivers pay higher rates
  • The deductible you choose
  • Your vehicle's safety rating
  • Your occupation
  • Your coverage level
  • Whether you rent or own your home

An additional factor that will help determine FJ Cruiser insurance rates is the year of the vehicle. Older cars and trucks have a reduced actual cash value than newer models so repair costs tend to be lower which will push premiums down. On the flip side, new Toyota models may have safety features like adaptive headlights, anti-lock brakes, traction control, and a telematics system that may help help offset higher rates.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Liability coverages

Liability insurance provides protection from damages or injuries you inflict on other people or property by causing an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so you should buy as large an amount as possible.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder. FJ Cruiser collision insurance is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper FJ Cruiser insurance rates.

Comprehensive coverages

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when other motorists either have no liability insurance or not enough. Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as doctor visits, EMT expenses, and X-ray expenses. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. PIP is not universally available and may carry a deductible.

How Much are Toyota FJ Cruiser Insurance Rates?