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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Looking for lower insurance coverage rates? Shoppers have options when shopping for affordable Toyota FJ Cruiser insurance. You can either waste hours calling around to get rate comparisons or leverage the internet to get rate quotes. There are more efficient ways to find insurance coverage online and we’ll show you the proper way to compare rates for a Toyota and get the cheapest rates from both online companies and local agents.

If you have a current insurance coverage policy or need a new policy, you can use these tips to cut your premiums and possibly find even better coverage. This information will familiarize you with the most effective way to quote insurance and some tips to save money. Consumers just need to learn the most efficient way to compare company rates on the web.

How to shop auto insurance online

There are multiple methods to compare auto insurance quotes, but some are more efficient than others. You could spend the better part of a day discussing policy coverages with agents in your area, or you can stay home and use the internet to quickly compare rates.

Many popular insurance companies belong to an insurance system that allows shoppers to enter their policy data once, and every company then returns a price quote determined by their information. This saves time by eliminating quotation requests for each company you want a rate for.

To enter your information into the quoting system, click to open in new window.

One minor caviat to doing it this way is that consumers can’t choose which carriers to receive prices from. So if you prefer to choose individual companies for rate comparison, we put together a list of companies who write auto insurance in your area. View list of insurance companies.

Whichever way you choose to compare rates, try to keep the exact same coverage information on every price quote you get. If you have higher or lower deductibles it will be impossible to make a fair comparison for your Toyota FJ Cruiser.

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

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Is there truth in advertising?

Drivers can’t avoid all the ads for auto insurance savings by Allstate and Progressive. All the ads make the same claim that drivers can save some big amount after switching to them.

How can each company charge lower premium rates? This is the way they can do it.

All the different companies have underwriting criteria for the type of insured they prefer to insure. For instance, a profitable customer might be described as a female over age 40, has no driving citations, and drives newer vehicles. A customer getting a price quote who matches those parameters will probably get the lowest car insurance rates and therefore will pay quite a bit less when switching companies.

Potential customers who are not a match for those standards will probably have to pay higher prices which usually ends up with the customer not buying. If you listen to the ad wording, they say “customers that switch” but not “everyone who gets a quote” will save that much if they switch. That’s why insurance companies can make those statements. This emphasizes why you need to do a quote comparison often. It’s impossible to know which insurance companies will provide you with the cheapest car insurance rates.

Insurance discounts are available to lower your rates

Companies that sell car insurance don’t always advertise the entire discount list very well, so the following list contains a few of the more common as well as the least known savings tricks you should be using when you buy auto insurance online. If you’re not getting every credit you qualify for, you could be paying more than you need to.

  • Paper-free Discount – A handful of insurance companies may give you up to $50 for buying a policy and signing up on the web.
  • Discounts for Federal Employees – Active or retired federal employment could provide a small rate reduction on FJ Cruiser coverage with select insurance companies.
  • Student in College – Any of your kids who live away from home at college and do not have access to a covered vehicle could get you a discount.
  • Early Switch Discount – Some companies provide a discount for buying a new policy before your current policy expires. You can save around 10% with this discount.
  • Drivers Education – Require your teen driver to participate in a local driver’s education class in school or through a local driver safety program.
  • Theft Deterent Discount – Cars with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • ABS Brakes – Vehicles with ABS braking systems or traction control can avoid accidents and therefore earn up to a 10% discount.
  • Student Discounts – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • Military Rewards – Being on active deployment in the military can result in better insurance rates.

Remember that most discount credits are not given to the entire policy premium. Some only apply to individual premiums such as collision or personal injury protection. So even though you would think having all the discounts means you get insurance for free, you aren’t that lucky.

A list of companies and some of the discounts include:

  • State Farm may include discounts for anti-theft, multiple autos, accident-free, passive restraint, and good student.
  • GEICO offers premium reductions for five-year accident-free, anti-lock brakes, daytime running lights, multi-policy, air bags, good student, and anti-theft.
  • Liberty Mutual policyholders can earn discounts including safety features, new graduate, new vehicle discount, good student, and preferred payment discount.
  • The Hartford includes discounts for air bag, driver training, anti-theft, defensive driver, vehicle fuel type, bundle, and good student.
  • MetLife discounts include claim-free, good driver, good student, accident-free, and defensive driver.
  • Progressive may have discounts that include online signing, multi-vehicle, good student, online quote discount, and continuous coverage.

Before you buy a policy, ask all the companies which discounts they offer. All car insurance discounts may not be offered in your area. To see companies who offer discounts, click here.

Everyone needs different auto insurance coverages

When choosing proper insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different.

For example, these questions may help highlight if your situation may require specific advice.

  • What is the minimum liability in my state?
  • What are the financial responsibility laws in my state?
  • Should I buy additional glass protection?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is a fancy paint job covered?
  • I have good health insurance, so how much medical payments coverage do I need?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, complete this form. It is quick, free and can help protect your family.

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

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Auto insurance coverage breakdown

Understanding the coverages of auto insurance can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Coverage for liability – This protects you from damage or injury you incur to other’s property or people. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers claims like emergency aid, medical services and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Uninsured and underinsured coverage – This gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for pain medications, EMT expenses, prosthetic devices, surgery and rehabilitation expenses. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive coverages – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from a tornado or hurricane, damage from flooding and hitting a deer. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverages – Collision coverage covers damage to your FJ Cruiser resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with a tree, crashing into a ditch, sideswiping another vehicle, sustaining damage from a pot hole 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 older. Drivers also have the option to bump up the deductible to bring the cost down.

Do the work, save more money

As you restructure your insurance plan, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many situations where an insured cut physical damage coverage only to discover later that it was a big mistake. The ultimate goal is to get the best coverage possible at an affordable rate, but don’t skip important coverages to save money.

In this article, we presented many ways to compare 2014 Toyota FJ Cruiser insurance rates online. The key concept to understand is the more quotes you get, the better likelihood of getting inexpensive auto insurance. Drivers may discover the best rates are with a small local company.

Consumers who switch companies do it for a variety of reasons including poor customer service, high rates after DUI convictions, policy cancellation or even not issuing a premium refund. Regardless of your reason for switching companies, switching companies can be easier than you think.

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