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: Dec 20, 2017

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Want cheaper car insurance rates for your Toyota FJ Cruiser? There isn’t a single person who looks forward to buying car insurance, especially knowing the cost is too high. Many insurers compete for your business, so it’s not easy to compare every company and get the best coverage at the best rate

Smart consumers take time to do price comparisons every six months due to the fact that insurance prices are rarely the same from one policy term to another. If you had the best price for FJ Cruiser insurance a couple years back you may be paying too much now. There is a lot of wrong information about car insurance online, but in just a couple of minutes you can learn some tested techniques to find affordable car insurance.

Find hidden discounts on insurance

Properly insuring your vehicles can get expensive, but you may find discounts that you may not even be aware of. Some discounts will apply at quote time, but a few must be asked about prior to receiving the credit.

  • 55 and Retired – Mature drivers can get a slight reduction on a car insurance quote for FJ Cruiser insurance.
  • First Accident Forgiveness – This isn’t a discount exactly, but companies like Allstate and Progressive will forgive one accident without getting socked with a rate hike with the catch being you have to be claim-free prior to the accident.
  • Discounts for Good Drivers – Drivers without accidents may save up to 50% more for FJ Cruiser insurance as compared to drivers with claims.
  • Multi-Vehicle Discounts – Buying insurance for multiple cars or trucks on one policy can get a discount on all vehicles.
  • Buy New and Save – Buying a new car model can save up to 30% since newer vehicles are generally safer.

Policy discounts save money, but most discount credits are not given to the overall cost of the policy. Most only apply to individual premiums such as physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, it’s just not the way it works.

Some of the insurance companies who may offer some of the discounts shown above include:

It’s a good idea to ask all companies you are considering which discounts you qualify for. Some of the earlier mentioned discounts may not apply to policies in your area. To see insurance companies that offer many of these discounts, follow this link.

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

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Tailor your insurance coverage coverage to you

When buying adequate coverage, there is no best way to insure your cars. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that can help discover if your insurance needs might need an agent’s assistance.

  • When should I not file a claim?
  • Can I get a multi-policy discount?
  • Is a fancy paint job covered?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I need to file an SR-22 for a DUI in my state?
  • Am I covered when using my vehicle for business?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Big brands don’t always mean big savings

Consumers can’t get away from all the ads that claim the cheapest car insurance rates from companies such as GEICO, State Farm and Progressive. They all seem to make an identical promise about saving some big amount just by moving your policy.

How can each company give you a lower rate? Here is how they do it.

Many companies quote their best rates for the type of driver that will add to their bottom line. For instance, a profitable customer may be between the ages of 30 and 50, owns their home, and drives a car with an anti-theft system. Any new insured that matches those criteria may get the lowest car insurance rates and will most likely save money with a new company.

People who cannot meet this ideal profile may be required to pay higher rates which results in business not being written. If you pay close attention to the ads, they say “drivers that switch” not “everyone who quotes” can get the lowest rates when switching. That is how companies can claim big savings.

Because of this risk profiling, you need to compare quotes as often as possible. It’s just not possible to know which insurance coverage company will be your best fit.

Auto insurance coverages

Learning about specific coverages of car insurance can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types available from car insurance companies.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for expenses for things like X-ray expenses, dental work, surgery and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability coverage

Liability coverage can cover injuries or damage you cause to other people or property. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, 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, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like pain and suffering, attorney fees, funeral expenses, bail bonds and court costs. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Toyota FJ Cruiser.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these coverages are identical to your policy’s liability coverage.

Comprehensive auto 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 and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, hitting a deer, a tree branch falling on your vehicle, theft and damage from flooding. The highest amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision protection

Collision coverage covers damage to your FJ Cruiser caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like backing into a parked car, colliding with a tree, sustaining damage from a pot hole, hitting a mailbox and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

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

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A little work can save a LOT of money

Throughout this article, we presented many ways to save on 2011 Toyota FJ Cruiser insurance. The most important thing to understand is the more you quote car insurance, the higher the chance of saving money. You may be surprised to find that the biggest savings come from a company that doesn’t do a lot of advertising. Smaller companies can often insure niche markets at a lower cost compared to the large companies like State Farm, GEICO and Nationwide.

As you go through the steps to switch your coverage, don’t be tempted to sacrifice coverage to reduce premiums. In many instances, someone dropped collision coverage and learned later that the small savings ended up costing them much more. Your focus should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.

Additional detailed information can be found in the articles below: