2009 Toyota FJ Cruiser Insurance Cost – 6 Ways to Save

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 14, 2020

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Trying to find the cheapest insurance rates for your Toyota FJ Cruiser? Have you had enough of paying out the nose to insure your Toyota every month? You’re in the same situation as millions of other consumers. Big-name insurance companies like State Farm, Farmers Insurance, GEICO and Allstate all claim big savings, bombarding you with catchy ads and it can be hard to see past the corporate glitz and take the time to shop coverage around.

It’s smart to check insurance prices at least once a year since rates are variable and change quite frequently. Just because you found the best deal for FJ Cruiser coverage a year ago a different company probably has better rates today. Block out anything you think you know about insurance because you’re about to learn the fastest and easiest way to reduce your cost while improving coverage.

If you have insurance now or need new coverage, you will benefit by learning to cut your premiums while maintaining coverages. Finding the best rates is easy if you know what you’re doing. Drivers just need to learn the tricks to shop online.

The best way to compare insurance rates from multiple companies is to know the trick most insurance companies participate in a system to quote your coverage. All consumers are required to do is give them some information such as what your job is, how old drivers are, types of safety features, and whether you are single or married. The data is instantly sent to all major companies and they provide comparison quotes almost instantly.

To start a quote now, click here and enter your zip code.

Save with discounts on Toyota FJ Cruiser insurance

Companies that sell car insurance don’t necessarily list every discount in a way that’s easy to find, so here is a list some of the more common as well as the least known ways to save on car insurance. If you aren’t receiving every discount possible, you are throwing money away.

  • Life Insurance Discount – Select insurance companies reward you with lower rates if you buy life insurance.
  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Multiple Cars – Having all your vehicles with the same company may reduce the rate for each vehicle.
  • Senior Citizens – If you’re over the age of 55, you may qualify for reduced rates for FJ Cruiser coverage.
  • New Car Discount – Insuring a new car is cheaper due to better safety requirements for new cars.
  • Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.

Drivers should understand that most credits do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears you could get a free car insurance policy, you won’t be that lucky.

For a list of insurance companies offering car insurance discounts, click this link.

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Tailor your coverage to you

When it comes to choosing the best insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions may help highlight whether you may require specific advice.

  • Are rock chip repairs covered?
  • Do I need more liability coverage?
  • What are the best liability limits?
  • Can my babysitter drive my car?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is my camper covered by my car insurance policy?
  • Am I covered if my car is in a flood?
  • What is the rate difference between pleasure use and commuting?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area. It only takes a few minutes and can help protect your family.

What insurance coverages do you need?

Learning about specific coverages of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are the usual coverages offered by insurance companies.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Liability auto insurance – Liability coverage can cover damage that occurs to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like bail bonds, pain and suffering, emergency aid, court costs and medical services. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense coverage – Medical payments and Personal Injury Protection insurance kick in for expenses for dental work, rehabilitation expenses and ambulance fees. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverage – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a mailbox, damaging your car on a curb, backing into a parked car and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive protection – Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hitting a bird, a tree branch falling on your vehicle, damage from flooding, rock chips in glass and fire damage. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Use our FREE quote tool to compare rates now!

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