Cheap 2007 Toyota FJ Cruiser Insurance Quotes

Searching for low-cost insurance for your Toyota FJ Cruiser could be an all-consuming task, but you can learn our insurance buying tips to find lower rates.

There are both good and bad ways to buy insurance so we’re going to tell you the quickest way to compare rates for your Toyota and find the lowest price either online or from local insurance agents.

It’s smart to compare prices on a regular basis since rates are constantly changing. Even if you think you had the best rates on FJ Cruiser insurance last year you may be paying too much now. Starting now, forget all the misinformation about insurance because you’re about to learn the best methods to save on insurance.

Buying cheaper protection is not that difficult. If you are insured now or are just looking to switch companies, you can use these techniques to cut your premiums and possibly find even better coverage. Drivers just need to understand the proper methods to get comparison quotes online.

Save money by taking advantage of these discounts

Car insurance is not cheap, but discounts can save money and there are some available that you may not even be aware of. Some trigger automatically at quote time, but a few need to be asked for prior to getting the savings. If they aren’t giving you every credit you deserve, you are throwing money away.

  • College Student – Kids in college who live away from home and do not have a car can be insured at a reduced rate.
  • Discount for Swiching Early – A few companies offer discounts for buying a policy prior to your current policy expiration. The savings is around 10%.
  • Safe Drivers – Insureds without accidents can pay as much as 50% less on FJ Cruiser insurance than their less cautious counterparts.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
  • Homeowners Savings – Owning a house may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Defensive Driving Course – Taking part in a course in driver safety could save 5% or more depending on where you live.
  • Theft Prevention System – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.

It’s important to understand that some credits don’t apply to your bottom line cost. Most only apply to specific coverage prices like collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, companies don’t profit that way. But any discount will bring down your overall premium however.

Insurance companies that may offer these money-saving discounts include:

Before buying, ask every prospective company which discounts they offer. Discounts might not apply in your area.

Why your Toyota FJ Cruiser insurance rates may be high

Consumers need to have an understanding of some of the elements that play a part in calculating the price you pay for car insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that could result in lower car insurance prices.

  • Allowing your policy to lapse raises rates – Having an insurance coverage lapse is a sure-fire way to bump up your car insurance costs. And not only will insurance be more expensive, failure to provide proof of insurance might get you a revoked license or a big fine.You may need to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Pleasure use or commuting – The more miles you rack up on your Toyota each year the more you’ll pay to insure your vehicle. Almost all companies rate vehicles based on how the vehicle is used. Autos not used for work or commuting qualify for better rates as compared to vehicles used primarily for driving to work. Ask your agent if your car insurance policy is showing how each vehicle is driven. Incorrect usage on your FJ Cruiser may be wasting your money.
  • Consolidate policies to earn discounts – Most car insurance companies give discounts to people who consolidate policies with them such as combining an auto and homeowners policy. Discounts can add up to ten or even up to twenty percent in some cases. Even with this discount, it’s in your best interest to compare other company rates to verify if the discount is saving money. You may still be able to find better rates by splitting coverages up.
  • Pay less if you’re married – Having a wife or husband can actually save you money on your car insurance policy. Having a significant other means you’re more mature than a single person and statistics show married drivers get in fewer accidents.
  • Sex matters – Statistics have proven that women are safer drivers than men. Now that doesn’t mean men are worse drivers. They both are in accidents in similar numbers, but the men tend to have more serious accidents. Men also statistically get more serious tickets such as DWI and reckless driving.
  • Safe vehicles cost less to insure – Safer cars are cheaper to insure. The safest vehicles result in less severe injuries and fewer injuries means lower claim amounts passed on to you as lower rates. If the Toyota FJ Cruiser scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Tickets mean higher rates – A bad driving record has a big impact on rates. Even one ticket may increase your cost by twenty percent. Drivers with clean records have lower premiums than people who have multiple driving citations. If you have severe violations such as hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with their state DMV in order to drive a vehicle legally.

When should I use an insurance agent?

When it comes to choosing proper insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is unique.

For instance, these questions could help you determine if your situation could use an agent’s help.

  • Is my 2007 Toyota FJ Cruiser covered for smoke damage?
  • When should I remove comp and collision on my 2007 Toyota FJ Cruiser?
  • Why am I required to buy high-risk coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What is medical payments coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • Am I missing any policy discounts?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Can you really save that much by switching?

Consumers can’t get away from ads that promise big savings from the likes of State Farm, Allstate and Geico. They all make the same claim that you can save if you change your coverage to them.

But how can every company make the same claim? It’s all in the numbers.

Different companies have a certain “appetite” for the driver that makes them money. An example of a profitable customer might be profiled as a mature driver, has no driving citations, and drives newer vehicles. Any new insured who matches those parameters will get the preferred rates and is almost guaranteed to cut their rates substantially.

Consumers who don’t qualify for the requirements must pay a more expensive rate which usually ends up with the driver buying from a lower-cost company. The ads state “people who switch” not “everyone that quotes” save that much money. That is how companies can truthfully make the claims of big savings.

This illustrates why you need to compare as many rates as you can. It’s impossible to know which insurance coverage company will fit your personal profile best.

Insurance coverage considerations

Knowing the specifics of a insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Auto collision coverage

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

Collision can pay for things like crashing into a building, colliding with another moving vehicle, sideswiping another vehicle, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for immediate expenses for things like ambulance fees, surgery and dental work. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Liability car insurance

Liability insurance protects you from damage that occurs to other’s property or people that is your fault. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits 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. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like repair costs for stationary objects, emergency aid and pain and suffering. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Toyota FJ Cruiser.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Frequently the UM/UIM limits are set the same as your liablity limits.

Comprehensive auto coverage

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from flooding, hail damage and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

The best insurance company isn’t always the cheapest

The cheapest 2007 Toyota FJ Cruiser insurance is available from both online companies as well as from independent agents, and you need to comparison shop both so you have a total pricing picture. A few companies don’t offer you the ability to get quotes online and these small insurance companies work with independent agents.

Insureds switch companies for a variety of reasons including denial of a claim, policy non-renewal, delays in paying claims and even delays in responding to claim requests. Whatever your reason, choosing a new insurance company is actually quite simple.

Throughout this article, we presented quite a bit of information on how to get a better price on insurance. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the lowest priced auto insurance comes from the least-expected company.

More detailed auto insurance information is located in the articles below: