How Much Does 2008 Toyota FJ Cruiser Insurance Cost?

Drivers have a choice when trying to find the best price on Toyota FJ Cruiser insurance. You can either spend your time contacting agents to get rate comparisons or use the internet to make rate comparisons. There are both good and bad ways to find insurance coverage online and you need to know the quickest way to quote coverages for a new or used Toyota and find the lowest possible price either online or from local insurance agents.

Smart consumers take time to check insurance coverage prices at least once a year due to the fact that insurance prices tend to go up over time. Just because you had the best quotes on FJ Cruiser insurance a year ago you will most likely find a better rate today. You’ll find a ton of advice on insurance coverage online but in just a couple of minutes you can learn some excellent ideas to stop overpaying for insurance.

Low cost insurance coverage prices

Many insurance companies such as 21st Century, Allstate and State Farm allow consumers to get coverage prices on the web. Obtaining pricing is quite easy because it’s just a matter of typing in the coverages you want as requested by the quote form. Once entered, their quoting system will obtain your driving and credit reports and returns pricing information based on the information you submitted.

Online price estimates simplifies rate comparisons, but the time it takes to visit many different websites and fill out multiple forms gets old quite quickly. But it’s absolutely necessary to do this if you want to get better insurance coverage pricing.

The quickest way to get multiple rate quotes utilizes a single form that analyzes rates from multiple companies. It’s a real time-saver, requires less work, and makes rate comparisons much easier. Immediately after you send the form, your coverage is rated and you are able to buy any one of the price quotes you receive. If the quotes result in lower rates, you simply finish the application and purchase the new policy. This process takes just a few minutes to complete and can result in significant savings.

To quickly find out what other companies charge, click here to open in a new tab and submit the form. To compare your current rates, we recommend you type in the coverages exactly as they are listed on your policy. This ensures you will receive an apples-to-apples comparison based on identical coverages.

Get cheap insurance coverage quotes with discounts

Companies do not advertise the entire discount list in an easy-to-find place, so the list below details both well-publicized as well as the least known discounts you could be receiving when you buy insurance online.

• Drive Less and Save – Fewer annual miles on your Toyota may enable drivers to earn slightly better premium rates than normal.
• Good Students Pay Less – This discount may save as much as 25% on a insurance quote. The good student discount can last up until you turn 25.
• Early Signing – Some insurance coverage companies give discounts for switching to them prior to your current policy expiring. You may see this discount when you get insurance quotes online.
• Clubs and Organizations – Joining specific professional or occupational memberships or organizations could trigger savings on your next insurance coverage statement.
• Student Driver Training – Require your teen driver to enroll and complete driver’s education as it will make them better drivers and lower rates.
• Early Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you may have a lower total premium amount.

Remember that most discounts do not apply to the entire cost. Most cut individual premiums such as physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, you aren’t that lucky.

A list of companies and the discounts they provide can be found below.

• Farm Bureau policyholders can earn discounts including renewal discount, good student, safe driver, multi-policy, 55 and retired, multi-vehicle, and youthful driver.
• State Farm offers premium reductions for passive restraint, safe vehicle, multiple policy, accident-free, Drive Safe & Save, defensive driving training, and good driver.
• Progressive offers discounts including homeowner, continuous coverage, multi-policy, good student, online quote discount, and online signing.
• Allstate may have discounts that include senior citizen, teenSMART discount, 55 and retired, anti-lock brakes, safe driver, resident student, and economy car.
• Nationwide may include discounts for easy pay, accident-free, good student, multi-policy, defensive driving, and family plan.
• MetLife may offer discounts for defensive driver, multi-policy, accident-free, good driver, good student, and claim-free.

It’s a good idea to ask all companies you are considering the best way to save money. Some of the discounts discussed earlier may not apply to policies in every state. If you would like to view insurance coverage companies that provide some of the discounts listed above, click here to view.

Tailor your insurance coverage coverage to you

When buying the right insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Every situation is different.

These are some specific questions can help discover if you might need an agent’s assistance.

• What happens if I owe more than my 2008 Toyota FJ Cruiser is worth?
• I have good health insurance, so how much medical payments coverage do I need?
• Do I need added coverage for expensive stereo equipment?
• Why is insurance for a teen driver so high?
• Does my policy cover my teen driver if they drive my company car?
• Are rental cars covered under my policy?
• Is my ex-spouse still covered by my policy?
• Do I need special endorsements for business use of my vehicle?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Coverage specifics

Knowing the specifics of insurance aids in choosing the best coverages and the correct deductibles and limits. Insurance terms can be confusing and reading a policy is terribly boring.

Uninsured/Underinsured Motorist coverage – This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your Toyota FJ Cruiser.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverages – This will pay to fix damage to your FJ Cruiser resulting from a 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 can pay for claims such as crashing into a building, driving through your garage door, sideswiping another vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Coverage for liability – Liability insurance provides protection from damage or injury you incur to people or other property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover 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. You commonly see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like pain and suffering, repair bills for other people’s vehicles, repair costs for stationary objects, bail bonds and loss of income. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for ambulance fees, rehabilitation expenses, nursing services and doctor visits. They are used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as falling objects, hitting a bird and fire damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Save your cold hard cash

We’ve covered many tips how you can save on 2008 Toyota FJ Cruiser insurance. The most important thing to understand is the more you quote insurance, the higher the chance of saving money. You may even discover the most savings is with an unexpected company.

As you restructure your insurance plan, it’s not a good idea to sacrifice coverage to reduce premiums. In many instances, an insured dropped liability coverage limits and discovered at claim time that it was a big error on their part. Your goal should be to buy a smart amount of coverage at the best possible price while not skimping on critical coverages.

Budget-conscious 2008 Toyota FJ Cruiser insurance can be purchased both online as well as from insurance agents, and you should compare rates from both to have the best chance of lowering rates. A few companies do not offer internet price quotes and most of the time these regional carriers prefer to sell through local independent agents.

Additional learning opportunities

• Teen Driving Statistics (iihs.org)
• Liability Insurance Coverage (Nationwide)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)