Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

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Buyers have many options when searching for affordable Toyota FJ Cruiser insurance. You can either waste hours driving around getting price quotes or utilize the internet to compare rates. There are both good and bad ways to buy auto insurance so we’re going to tell you the absolute fastest way to compare rates on a Toyota and obtain the cheapest rates either online or from local insurance agents.

Choosing the best insurance company for you is not that difficult. If you currently have a car insurance policy, you should be able to cut costs considerably using this strategy. Vehicle owners just need to know the most efficient way to get comparison quotes online.

Which car insurance is cheapest?

Getting a cheaper price on 2007 Toyota FJ Cruiser insurance is a fairly straight forward process. All that’s required is to take the time to compare free insurance coverage quotes from different insurance companies. You can get a good selection of rate quotes by using one of the methods below.

  1. The fastest way to get the best comparison quotes is a comparison rater form (click to open form in new window). This type of form keeps you from doing separate forms for each company. One form submission will return quotes from several companies. Just one form and you’re done.
  2. A slightly less efficient method to shop for car insurance online requires you to visit the website of each company and fill out a new quote form. For examples sake, let’s assume you want to compare Allstate, GEICO and Progressive. In order to get each rate, you would have to spend time on each company’s site to enter your coverage information, and that explains why we recommend the first method.

    For a handy list of car insurance company links in your area, click here.

  3. The last way to comparison shop is making phone calls or going to insurance agents’ offices. Comparing rates online makes this process obsolete unless you’re the type of person who wants the extra assistance of an agent trained in personal lines coverage. Although, it is possible obtain prices from the web but have your policy serviced through an agent.

It’s up to you which method you use, but double check that you are using nearly identical information for each price quote. If your comparisons have higher or lower deductibles it will be next to impossible to determine which company has the best rates.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Discount car insurance quotes

Some insurers don’t always advertise all their discounts very well, so the list below contains some of the more common and also the lesser-known discounts that you can inquire about if you buy insurance coverage online.

  • Save over 55 – Drivers over the age of 55 are able to get lower premium rates on FJ Cruiser insurance.
  • Driver’s Ed – Require your teen driver to successfully complete driver’s ed class in high school.
  • Federal Government Employee – Federal government employees could qualify for a slight premium decrease on FJ Cruiser insurance with select insurance companies.
  • Switch and Save Discount – Some car insurance companies provide a discount for buying a new policy before your current policy expires. This discount can save up to 10%.
  • Multi-car Discount – Buying a policy with primary and secondary vehicles on a single policy qualifies for this discount.

A little disclaimer on discounts, most discount credits are not given to the entire cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears you could get a free car insurance policy, it just doesn’t work that way.

If you would like to choose from a list of companies with discount car insurance rates, follow this link.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s needs are different.

For example, these questions could help you determine whether or not you could use an agent’s help.

  • Exactly who is provided coverage by my policy?
  • What if I don’t agree with a claim settlement offer?
  • Is my custom paint covered by insurance?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Can my teen drive my company car?
  • Does liability extend to a camper or trailer?
  • Is extra glass coverage worth it?
  • Do I need medical payments coverage since I have good health insurance?
  • What can I do if my company won’t pay a claim?

If you can’t answer these questions, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Components of your Toyota FJ Cruiser insurance prices

Many things are part of the calculation when you get a price on insurance. Some are obvious such as your driving record, although others are not quite as obvious such as your marital status or your commute time.

  • Traffic violations can be expensive – Careful drivers receive lower rates than their less careful counterparts. Only having one speeding ticket can bump up the cost forty percent or more. Drivers who have gotten careless violations like DUI or willful reckless driving may find they need to maintain a SR-22 with their state’s department of motor vehicles in order to continue driving.
  • High physical damage deductibles cost less – Insurance for physical damage, also known as collision and other-than-collision, is used to repair damage to your vehicle. Some instances where coverage would apply would be a broken side mirror, flood damage, or theft. Deductibles for physical damage are how much you are required to pay if the claim is covered. The more of the claim you have to pay, the lower your rates will be on FJ Cruiser insurance.
  • Driver age impacts costs – Drivers with little experience are statistically shown to be less responsible when at the wheel of a vehicle so they pay higher insurance coverage rates. More mature drivers have been proven to be more responsible, file fewer claims and get fewer tickets.
  • Your credit rating is important – Your credit score is a large factor in determining what you pay. Drivers with excellent credit scores tend to be more responsible than drivers who have bad credit. If your credit score could use some work, you could pay less to insure your 2007 Toyota FJ Cruiser by repairing your credit.
  • How many coverages with the same company – Most insurers will award lower prices to policyholders who have multiple policies with them such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. Even with this discount applied, it’s in your best interest to get quotes from other companies to ensure the best deal.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Car insurance 101

Understanding the coverages of your insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Liability car insurance

Liability coverage provides protection from damage or injury you incur to other people or property in an accident. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

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 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers claims such as medical expenses, repair bills for other people’s vehicles and pain and suffering. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hitting a deer, hail damage, fire damage and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured or underinsured coverage

This provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Toyota FJ Cruiser.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Medical expense coverage

Med pay and PIP coverage provide coverage for bills like hospital visits, doctor visits and ambulance fees. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision insurance will pay to fix damage to your FJ Cruiser caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like damaging your car on a curb, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Smart consumers save more

When getting insurance coverage quotes online, never buy less coverage just to save a little money. There are many occasions where an insured cut collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase plenty of coverage at a price you can afford.

Drivers change insurance companies for a variety of reasons including delays in paying claims, high prices, being labeled a high risk driver and questionable increases in premium. Whatever your reason, choosing a new company can be pretty painless.

We just showed you many ways to shop for 2007 Toyota FJ Cruiser insurance online. The key thing to remember is the more price quotes you have, the better likelihood of getting cheap insurance coverage. Drivers may discover the best price on auto insurance is with some of the lesser-known companies.

Additional detailed information is available at these sites: