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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Shoppers have many options when shopping for affordable Toyota FJ Cruiser insurance. They can either spend hours contacting agents getting price quotes or utilize the internet to find the lowest rates. There are more efficient ways to buy insurance and we’ll show you the quickest way to get price quotes for your Toyota and obtain the lowest price from both online companies and local agents.

It’s a great practice to take a look at other company’s rates as often as possible since prices change quite often. Even if you think you had the best price on FJ Cruiser coverage a few years ago there is a good chance you can find better rate quotes now. There is lot of inaccurate information about insurance out there, but we’re going to give you some great ideas on how to find affordable insurance.

How to get cheap insurance

All the larger insurance companies make it easy to get prices directly from their websites. Comparing rates online is quite easy because it’s just a matter of typing in your coverage information into a form. Once entered, their rating system pulls information on your driving record and credit history and returns pricing information based on the data you entered.

Quoting online makes it easy to compare insurance prices but the time required to go to each company’s website and repetitively type in the same information gets old quite quickly. But it’s absolutely necessary to compare as many rates as possible if you are searching for better insurance pricing.

The preferred way to lower your insurance bill makes use of a single form that gets prices from a lot of companies. It’s a real time-saver, requires much less work on your part, and makes online shopping much more efficient. After sending your information, your coverage is rated and you can choose any one of the price quotes you receive. If the quotes result in lower rates, you simply finish the application and buy the policy. It can be completed in a matter of minutes and you’ll know if lower rates are available.

To compare rates using this form now, simply click here to open in new window and fill out the form. If you have a policy now, it’s recommended you complete the form with the coverages exactly as they are listed on your policy. This makes sure you are getting an apples-to-apples comparison using the exact same coverages.

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

secured lock Secured with SHA-256 Encryption

Brand name doesn’t guarantee savings

Drivers constantly see and hear ads that promise big savings by companies like 21st Century, Allstate and State Farm. All the ads make the same claim of big savings just by switching your policy.

How do they all charge you a lower premium?

Auto insurance companies have strict underwriting profiles for the type of driver that will not have excessive claims. One example of a driver they prefer may be between the ages of 30 and 50, insures multiple vehicles, and does not commute to work. A customer getting a price quote that meets those criteria gets the lowest rates and most likely will cut their rates if they switch.

Consumers who do not meet this stringent profile may be required to pay higher premiums and the customer buying from someone else. Company advertisements say “drivers that switch” not “everyone that quotes” can save as much as they claim. That’s why insurance companies can make it sound like they have such great premium rates. Because each company has a different risk profile, drivers should do a quote comparison often. Because you cannot predict which auto insurance company will fit you best based on your risk profile.

Eight tips to get cheap insurance rates

Lots of factors are used in the calculation when you get your auto insurance bill. Some are pretty understandable like your driving record, but other factors are not quite as obvious such as your marital status or how financially stable you are.

The itemized list below are some of the most common factors that factor into your prices.

  • Get cheaper costs if you’re married – Getting married helps lower the price when buying auto insurance. Marriage generally demonstrates drivers are more financially stable and insurance companies like that being married results in fewer claims.
  • Do you know your physical damage deductibles? – The deductibles define how much you are required to pay before a claim is paid by your company. Physical damage protection, also known as collision and other-than-collision, protects your car from damage. A few examples of covered claims could be collision with another vehicle, collision with a deer, and damage caused by road hazards. The higher the amount the insured has to pay upfront, the lower your rates will be on FJ Cruiser coverage.
  • Decrease auto insurance rates by maintaining coverage – Not maintaining insurance is not a good idea and as a result your rates will increase for letting your coverage have a gap. Not only will you pay more, being ticketed for driving with no insurance may result in a hefty fine and possibly a revoked license.
  • Premiums are lower the older you get – More mature drivers are more responsible, file fewer claims and receive fewer citations.Drivers with little experience tend to be more careless in a vehicle therefore auto insurance rates are much higher.
  • Certain employers pay higher premiums – Careers like judgesair traffic controllers and emergency personnel tend to pay higher premiums than the average policyholder in part from intense work situations and lengthy work days. Conversely, professions such as actors, engineers and homemakers have the lowest average rates on FJ Cruiser coverage.
  • Be proud to be claim-free – Car insurance companies give lower rates to people who are not frequent claim filers. If you are the type of insured that files lots of claims you can definitely plan on much higher rates or policy non-renewal. Insurance coverage is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Gender as a rate factor – Statistics have proven that women are safer drivers than men. That doesn’t necessarily mean that men are WORSE drivers than women. Both genders cause fender benders at about the same rate, but men have costlier accidents. Men also statistically get higher numbers of serious violations like DUI and reckless driving. Male teenagers are several times more likely to be in an accident so they pay the highest premiums.
  • Use credit responsibly and save – An insured’s credit score is a large factor in calculating your auto insurance rates. If your credit rating could use some work, you could be paying less to insure your 2008 Toyota FJ Cruiser if you clean up your credit. Consumers who have good credit tend to be better drivers and file fewer claims than those with worse credit.

Discounts to earn affordable car insurance rates

Companies offering auto insurance do not list every discount in an easy-to-find place, so here is a list some of the best known as well as the least known credits available to bring down your rates.

  • Discounts for Federal Employees – Active or retired federal employment could qualify for a slight premium decrease on FJ Cruiser coverage with a few car insurance companies.
  • Home Ownership Discount – Being a homeowner can save you money since owning and maintaining a home is proof that your finances are in order.
  • Discounts for New Vehicles – Putting insurance on a new car may earn a small discount because new vehicles have to meet stringent safety requirements.
  • Accident Forgiveness Coverage – This one isn’t a discount, but a few companies such as State Farm and Allstate will let one accident slide before raising your premiums if you are claim-free for a specific time period.
  • Distant Student Discount – Older children who attend college more than 100 miles from home and leave their car at home can be insured at a reduced rate.
  • Student Discounts – Being a good student may save as much as 25% on a auto insurance quote. You can use this discount normally well after school through age 25.
  • Early Signing – Select car insurance companies give a discount for buying a new policy early. This discount can save up to 10%.
  • Claim Free – Insureds who avoid accidents and claims can earn big discounts when compared with policyholders that have many claims.

A quick disclaimer, most credits do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like you would end up receiving a 100% discount, you aren’t that lucky. But any discount will positively reduce your policy premiums.

If you would like to see a list of insurers with the best car insurance discounts, click here to view.

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

secured lock Secured with SHA-256 Encryption

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions might point out whether your personal situation will benefit from professional help.

  • Which companies will insure high-risk drivers?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I covered when delivering products for my home-based business?
  • I have a DUI can I still get coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Does my insurance cover a custom paint job?
  • If my pet gets injured in an accident are they covered?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Coverage specifics

Learning about specific coverages of your auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive auto coverage – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like theft, rock chips in glass, hitting a bird, a tree branch falling on your vehicle and damage from getting keyed. The most a auto insurance company will pay at claim time is the ACV or 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 – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability coverages – Liability coverage can cover injuries or damage you cause to a person or their property in an accident. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like pain and suffering, bail bonds and medical services. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverages – This coverage will pay to fix damage to your FJ Cruiser resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like hitting a parking meter, driving through your garage door, sideswiping another vehicle, hitting a mailbox and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP kick in for bills for prosthetic devices, rehabilitation expenses, hospital visits and chiropractic care. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

One last thing

In this article, we covered many ideas to shop for 2008 Toyota FJ Cruiser insurance online. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from an unexpected company.

As you restructure your insurance plan, it’s not a good idea to reduce coverage to reduce premium. In many instances, someone dropped comprehensive coverage or liability limits and discovered at claim time that the small savings ended up costing them much more. Your goal should be to buy enough coverage at the best cost, but do not sacrifice coverage to save money.

People who switch companies do it for a number of reasons such as lack of trust in their agent, not issuing a premium refund, high prices and even being labeled a high risk driver. Regardless of your reason for switching companies, finding a new auto insurance company is easier than you think.

Additional information is located below: