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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Searching for the cheapest insurance rates for your Toyota FJ Cruiser? Sick and tired of sacrificing other expenses to insure your Toyota every month? You have the same problem as the majority of other vehicle owners.

Companies like Progressive, GEICO and Farmers Insurance all promote huge savings with advertising and it can be hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

Smart consumers take time to get comparison quotes at least once a year because insurance prices are constantly changing. Just because you had the lowest rates for FJ Cruiser insurance on your last policy other companies may now be cheaper. There is lot of inaccurate information about insurance out there, but I’m going to show you some great ideas on how to buy insurance cheaper.

If you are paying for car insurance now, you will be able to save some money using these methods. Buying car insurance is not rocket science. Nevertheless, drivers must know how companies sell online and take advantage of how the system works.

The fastest way that we advise to get policy rate comparisons is to take advantage of the fact all the major auto insurance companies provide online access to provide you with a free rate quote. All consumers are required to do is take a few minutes to give details including how many miles driven, the ages of drivers, the type of vehicles you drive, and your general credit rating. Your information is instantly sent to insurance carriers in your area and you should receive rate quotes instantly to find the best rate.

Save with these nine discounts

Insurance can be prohibitively expensive, but companies offer discounts that could drop your premiums quite a bit. Certain discounts will be applied at the time of purchase, but a few need to be specifically requested prior to getting the savings.

  • Savings for New Vehicles – Putting insurance on a new car can get you a discount because new vehicles are generally safer.
  • Renewal Discounts – Some larger companies reward drivers for switching policies early. The savings is around 10%.
  • Policy Bundle Discount – If you combine your home and auto policies with one company you may save as much as 10 to 15 percent.
  • Theft Prevention Discount – Cars optioned with advanced anti-theft systems are stolen with less frequency and that can save you a little bit as well.
  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles have fewer accidents and will save you 10% or more.
  • Seat Belts Save – Drivers who always wear seat belts and also require passengers to buckle up can save up to 15% off the PIP or medical payment premium.
  • Sign Online – Certain car insurance companies will provide an incentive just for signing your application on their website.
  • Good Student Discount – Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts could see savings of 20% or more.

As a sidenote, most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like comp or med pay. Despite the appearance that having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business. Any qualifying discounts should help lower your policy cost.

A few popular companies and some of the discounts include:

  • State Farm has discounts for driver’s education, anti-theft, multiple autos, good student, good driver, and defensive driving training.
  • GEICO offers premium reductions for five-year accident-free, daytime running lights, air bags, defensive driver, anti-theft, and military active duty.
  • Allstate may include discounts for premier plus, farm vehicle, good student, early signing, anti-theft, new car, and teenSMART discount.
  • SAFECO offers discounts including anti-theft, safe driver, anti-lock brakes, teen safe driver, and multi-car.
  • Farm Bureau discounts include renewal discount, youthful driver, driver training, safe driver, multi-policy, and multi-vehicle.
  • Progressive includes discounts for online signing, multi-vehicle, homeowner, multi-policy, online quote discount, and continuous coverage.
  • AAA has savings for multi-policy, education and occupation, good driver, multi-car, AAA membership discount, good student, and pay-in-full.

Check with every insurance company how you can save money. Discounts might not be available to policyholders in your area. If you would like to see a list of car insurance companies with discount car insurance rates, click here to view.

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

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Special considerations

When choosing proper insurance coverage, there isn’t really a one size fits all plan. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that may help you determine whether you may require specific advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • Can I get a multi-policy discount?
  • Do I have coverage when making deliveries for my home business?
  • Do I have coverage for damage caused while driving under the influence?
  • How do I insure my teen driver?
  • Can I still get insurance after a DUI?
  • Is my nanny covered when driving my vehicle?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Learn about insurance coverages for a 2009 Toyota FJ Cruiser

Understanding the coverages of insurance aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are the usual coverages available from insurance companies.

Collision coverages – This coverage will pay to fix damage to your FJ Cruiser from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like scraping a guard rail, colliding with another moving vehicle, crashing into a building, colliding with a tree and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Liability – This coverage protects you from damage or injury you incur to people or other property. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for things like attorney fees, legal defense fees, pain and suffering, repair bills for other people’s vehicles and medical expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive protection – This covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a bird, a broken windshield, hitting a deer and hail damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense coverage – Med pay and PIP coverage pay for short-term medical expenses such as X-ray expenses, rehabilitation expenses, nursing services, dental work and pain medications. They are often 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 getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your Toyota FJ Cruiser.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally the UM/UIM limits are set the same as your liablity limits.

A tidy conclusion

Throughout this article, we presented many ways to lower your 2009 Toyota FJ Cruiser insurance car insurance rates. The most important thing to understand is the more companies you get premium rates for, the better your chances of lowering your premium rates. You may even find the lowest car insurance rates are with the least-expected company. These companies can often provide lower premium rates in certain areas as compared to the big name companies such as State Farm, GEICO and Nationwide.

When getting auto insurance quotes online, it’s not a good idea to buy less coverage just to save a little money. There are many occasions where someone dropped physical damage coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The aim is to buy enough coverage at the best possible price, but do not skimp to save money.

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