How Much Does 2007 Toyota FJ Cruiser Insurance Cost?

Want better car insurance rates? Drivers have lots of choices when trying to find low-cost Toyota FJ Cruiser insurance. You can either waste hours calling around trying to get quotes or save time using the internet to find the lowest rates. There are more efficient ways to shop for car insurance and you need to know the proper way to get price quotes for your Toyota and locate the cheapest rates from both online companies and local agents.

Smart consumers take time to compare rates periodically because car insurance prices are constantly changing. Even if you think you had the best deal for FJ Cruiser coverage on your last policy you may be paying too much now. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to the quickest way to find great coverage at a great price.

Low cost insurance price quotes online

Finding a better price on insurance is surprisingly easy. All you need to do is take a few minutes comparing price quotes online with multiple companies. This can easily be done in several different ways.

1. One of the simplest ways to compare a lot of rates at once is a comparison rater form click here to open form in new window. This method keeps you from doing boring form submissions to each individual insurance company. One form submission gets prices estimates from all major companies.It’s the quickest way to get rates.
2. A slightly less efficient method to analyze rates requires you to visit the website of each company and go through the quote process again. For instance, we’ll pretend you want to compare rates from Farmers, Allstate and State Farm. To get each rate you have to go to every website and punch in your information repeatedly, which is why first method is reommended.

   To view a list of companies in your area, click here.

3. The least efficient method to get rate quotes is to spend time driving to insurance agents’ offices. The ability to buy insurance online eliminates the middleman unless you have a complicated situation and need the peace of mind of a licensed agent. If you prefer, some companies allow you to compare the best prices online but have a local agent actually write the policy.

Take whichever approach you prefer, but do your best to use the same deductibles and coverage limits for every company. If your comparisons have mixed coverages it will be nearly impossible to truly determine the lowest rate.

Beware of misleading auto insurance ads

Consumers can’t get away from all the ads that claim the lowest car insurance rates by companies like Progressive, Geico, Allstate and State Farm. All the companies advertise claims about how much you will save if you move your auto insurance policy to them.

That’s great but how can every company have lower policy pricing? It’s all in the words they use.

All companies quote the lowest rates for the type of driver that will be a good risk. For instance, a desirable risk may need to be between the ages of 30 and 50, has few claims, and drives less than 10,000 miles a year. Any new insured who fits that profile will probably get cheap prices and will most likely save when switching.

Potential customers who are not a match for those criteria may be forced to pay a higher premium with the end result being the prospect going elsewhere. The ad wording is “customers that switch” but not “all drivers who get quotes” save that much when switching. That is how insurance companies can confidently make it sound like they have such great premium rates. This really emphasizes why you need to get a wide range of price quotes. It is just not possible to predict with any certainty which company will give you lower car insurance rates than your current company.

Drivers save money with with these discounts

The price of auto insurance can be rather high, but you may qualify for discounts to help bring down the price. Many of these discounts will be applied automatically at the time you complete a quote, but some may not be applied and must be specially asked for before you will receive the discount.

• Save with More Vehicles Insured – Purchasing coverage when you have all your vehicles with one company can reduce rates for all insured vehicles.
• Government Employees – Federal government employees could cut as much as 10% off for FJ Cruiser coverage with a few car insurance companies.
• Theft Deterent Discount – Cars with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
• Multiple Policy Discount – If you have multiple policies and insure them with the same company you could save at least 10 to 15 percent or more.
• Accident Waiver – but companies like Liberty Mutual, Allstate and State Farm may permit one accident before they charge you more for coverage so long as you haven’t had any claims for a certain period of time.
• Discount for Good Grades – Getting good grades may save you up to 25%. Earning this discount can benefit you well after school through age 25.
• Club Memberships – Joining certain professional organizations can get you a small discount on your next renewal.

Consumers should know that most discounts do not apply the the whole policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like all the discounts add up to a free policy, companies don’t profit that way. But any discount should help lower your overall bill.

A list of car insurance companies and their possible discounts are shown below.

• Geico discounts include membership and employees, good student, federal employee, anti-lock brakes, and seat belt use.
• MetLife has discounts for accident-free, defensive driver, good student, good driver, claim-free, and multi-policy.
• State Farm offers discounts for passive restraint, Steer Clear safe driver discount, accident-free, multiple policy, Drive Safe & Save, multiple autos, and good student.
• Progressive includes discounts for good student, multi-vehicle, multi-policy, online signing, homeowner, continuous coverage, and online quote discount.
• Mercury Insurance policyholders can earn discounts including location of vehicle, professional/association, accident-free, good student, good driver, and ease of repair.
• 21st Century offers discounts including theft prevention, driver training, teen driver, anti-lock brakes, automatic seat belts, student driver, and 55 and older.
• Allstate offers premium reductions for anti-lock brakes, senior citizen, FullPay discount, eSmart discount, and auto/life discount.

It’s a good idea to ask each company which discounts you qualify for. Some of the earlier mentioned discounts may not be available everywhere. To see car insurance companies with significant discounts, click here.

Your situation helps dictate your coverage

When buying the best insurance coverage coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

For instance, these questions might point out if your insurance needs could use an agent’s help.

• When do I need to add a new car to my policy?
• What discounts do I qualify for?
• Does insurance cover tools stolen from my truck?
• Will I lose any money if I cancel my policy before it expires?
• Should I put collision coverage on all my vehicles?
• Does medical payments coverage apply to all occupants?
• Should I drop comprehensive coverage on older vehicles?
• What is no-fault insurance?
• Do I need to file an SR-22 for a DUI in my state?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and may give you better protection.

Insurance coverage considerations

Learning about specific coverages of a insurance policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Auto liability insurance

This provides protection from damage that occurs to people or other property by causing an accident. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage protects against claims like structural damage, repair costs for stationary objects, attorney fees and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as rock chips in glass, vandalism, a broken windshield, hail damage and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM Coverage

This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your 2007 Toyota FJ Cruiser.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Collision protection

This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as backing into a parked car, hitting a mailbox, crashing into a building, damaging your car on a curb and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Medical costs insurance

Med pay and PIP coverage pay for immediate expenses such as funeral costs, rehabilitation expenses, EMT expenses, surgery and hospital visits. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

You can do this!

You just read many ideas to shop for 2007 Toyota FJ Cruiser insurance online. The key concept to understand is the more providers you compare, the better your chances of lowering your premium rates. Drivers may discover the biggest savings come from an unexpected company.

When trying to cut insurance costs, it’s not a good idea to buy less coverage just to save a little money. In too many instances, an insured cut liability coverage limits to discover at claim time that the few dollars in savings costed them thousands. Your goal should be to buy enough coverage at the best cost but still have enough coverage for asset protection.

Insureds leave their current company for many reasons like high rates after DUI convictions, delays in paying claims, high prices and policy non-renewal. It doesn’t matter what your reason, switching insurance coverage companies can be less work than you think.

Additional detailed information is located in these articles:

• Drunk Driving Statistics (Insurance Information Insitute)
• Vehicle Safety Ratings (iihs.org)
• Understanding Limits and Deductibles (Allstate)
• All About Airbag Safety (State Farm)