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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Want the cheapest insurance rates for your Toyota FJ Cruiser? Are you sick and tired of being strong-armed to pay high insurance rates every month? You have the same problem as many other consumers.

Popular companies such as State Farm, Farmers Insurance, GEICO and Allstate constantly bombard you with TV and radio ads and it is challenging if not impossible to separate fact from fiction and effectively compare rates to find the best deal.

It’s a good idea to do price comparisons occasionally because insurance prices change regularly. If you had the lowest price for FJ Cruiser coverage a couple years back you will most likely find a better rate today. Forget all the misinformation about insurance because we’re going to show you one of the quickest ways to save on insurance.

Learn how to lower your insurance prices

One of the most helpful ways to save on insurance coverage is to to have a grasp of a few of the rating criteria that come into play when calculating your insurance coverage rates. If you understand what influences your rates, this allows you to make educated decisions that can earn you big savings.

The following are some of the major factors used by companies to determine prices.

  • When should you file a policy claims? – If you tend to file frequent claims, you can pretty much guarantee much higher rates or policy non-renewal. Auto insurance companies award cheaper rates to people who do not rely on their insurance for small claims. Your insurance policy is meant to be used in the event of more catestrophic claims.
  • Poor credit decisions can cost you – A driver’s credit score can be a huge factor in determining what you pay. So if your credit can use some improvement, you may save money insuring your 2012 Toyota FJ Cruiser by taking the time to improve your credit score. Insureds with good credit tend to file fewer claims than those with poor credit scores.
  • Annual miles is a factor – The more miles you rack up on your Toyota annually the higher your rates will be. Almost all companies apply a rate partially by how you use the vehicle. Vehicles that have low annual miles qualify for better rates than vehicles that have high annual mileage. An improperly rated FJ Cruiser is just wasting money. Ask your agent if your insurance coverage coverage reflects how each vehicle is driven, because it can save money.
  • Liability insurance is critical – The liability coverage on your policy will afford coverage if a jury decides you are liable for damages from an accident. It will provide for a legal defense starting from day one. This coverage is relatively inexpensive compared to other policy coverages, so insureds should have plenty of protection for their assets.
  • Lower rates come with age – Older insureds have been proven to be more responsible, are lower risk to insure and receive fewer citations.Young drivers tend to be easily distracted when behind the wheel therefore insurance coverage rates are much higher.
  • Don’t buy extra coverages that aren’t used – Policies have extra coverages that you can buy but may not be useful. Coverages like personal injury protection, better glass coverage, and motor club memberships may be wasting your money. They may seem good when deciding what coverages you need, but if they’re wasting money eliminate the coverages to reduce your premium.

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

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Compare auto insurance rates

Most larger insurance companies like GEICO, State Farm and Progressive allow consumers to get prices for coverage from their websites. Getting online quotes can be done by anyone as you simply type in the coverage amounts you desire as requested by the quote form. Upon sending the form, their rating system sends out for credit information and your driving record and returns a price. Being able to quote online makes it easy to compare insurance prices but the time it takes to visit several different sites and complete many quote forms is a big time waster. But it’s also necessary to get many rate quotes in order to find the lowest price.

Isn’t there an easier way to compare rates?

A quicker way to lower your rates is to use a quote form that gets price quotes from a bunch of companies at once. The form is fast, eliminates form submissions, and makes online shopping much simpler. After sending the form, your coverage is rated and you can select any one of the quotes returned. If the quotes result in lower rates, it’s easy to complete the application and purchase the new policy. This process can be completed in less than 10 minutes and can result in significant savings.

To compare pricing, click here to open in a new tab and fill out the form. If you currently have coverage, we recommend you duplicate the limits and deductibles exactly as they are listed on your policy. Doing this assures you are getting rate comparison quotes for exact coverage.

Get cheaper car insurance with discounts

Car insurance companies don’t always list all their discounts in an easy-to-find place, so the next list breaks down some of the more common and the harder-to-find credits that you can use to lower your rates. If you don’t get every credit you deserve, you are throwing money away.

  • Seat Belts Save – Requiring all passengers to use their safety belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • Sign Early and Save – A few companies allow discounts for switching to them prior to the expiration date on your current policy. You may see this discount when you get auto insurance quotes online.
  • Save with More Vehicles Insured – Having more than one vehicle with one company can get a discount for every vehicle.
  • Service Members Pay Less – Being on active duty in the military could trigger a small discount.
  • Buy New and Save – Insuring a vehicle that is new can cost up to 25% less compared to insuring an older model.
  • College Student – Children who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Fewer Miles Equal More Savings – Maintaining low annual mileage could qualify for substantially lower rates.
  • Payment Method – By making one initial payment instead of monthly or quarterly installments you could save 5% or more.

Just know that some of the credits will not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you can get free auto insurance, that’s just not realistic.

If you would like to choose from a list of car insurance companies with significant discounts, click here.

Tailor your insurance coverage coverage to you

When choosing coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions could help you determine whether your personal situation would benefit from professional advice.

  • Am I covered when pulling a rental trailer?
  • How many claims can I have before being cancelled?
  • What is no-fault insurance?
  • When can I cancel my policy?
  • Is business property covered if stolen from my car?
  • Does coverage extend to a rental car in a foreign country?
  • Should I rate my 2012 Toyota FJ Cruiser as pleasure use or commute?
  • Is my teen driver covered when they drive my company car?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

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

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Insurance coverages explained

Having a good grasp of insurance aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on most insurance policies.

Medical payments and PIP coverage – Med pay and PIP coverage kick in for expenses for doctor visits, funeral costs, rehabilitation expenses, EMT expenses and dental work. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability coverages – This coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

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 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as court costs, repair bills for other people’s vehicles, attorney fees and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2012 Toyota FJ Cruiser.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision coverages – Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like sustaining damage from a pot hole, damaging your car on a curb, sideswiping another vehicle and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Comprehensive auto coverage – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, fire damage, damage from flooding and falling objects. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

More effort can pay off

Some car insurance companies do not offer the ability to get quotes online and many times these smaller companies work with local independent agencies. Cheaper car insurance is definitely available both online in addition to many insurance agents, so you need to compare both in order to have the best price selection to choose from.

While you’re price shopping online, make sure you don’t reduce needed coverages to save money. There have been many situations where someone dropped physical damage coverage and learned later that the savings was not a smart move. Your objective should be to find the BEST coverage for the lowest cost while not skimping on critical coverages.

Much more information about car insurance can be found below: