Compare Toyota FJ Cruiser Insurance Quotes in Plano

  1. Home
  2. >
  3. Plano Auto Insurance
  4. >
  5. Toyota FJ Cruiser

Astonishing but true according to a recent study, over 70% of Texas drivers renewed their policy with the same company for well over three years, and approximately 40% of consumers have never compared rate quotes at all. Most drivers in the United States could save an average of nearly 47% each year, but they underestimate how much money they would save if they changed companies.

Discount Toyota FJ Cruiser insuranceIf you want to find the absolute lowest rates, then the best way to find cheaper quotes for Toyota FJ Cruiser insurance is to regularly compare price quotes from insurance carriers in Plano. Drivers can shop around by following these guidelines.

  1. Take a few minutes and learn about what coverages are included in your policy and the changes you can make to drop your rates. Many rating criteria that drive up the price such as accidents, traffic violations, and an unacceptable credit history can be rectified by making minor changes in your lifestyle. Read the full article for ideas to prevent high prices and get bigger discounts.
  2. Compare prices from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like GEICO or State Farm, while independent agencies can provide rate quotes from multiple companies.
  3. Compare the new quotes to your current policy to see if cheaper FJ Cruiser coverage is available. If you find a lower rate quote, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Provide written notification to your current company to cancel your current policy and submit the application along with any required down payment for the new policy. As soon as you receive it, place the new certificate of insurance with your vehicle's registration.

The key aspect of shopping around is to try to compare the same deductibles and limits on every quote and and to get rates from as many companies as feasibly possible. This guarantees a fair rate comparison and the best price selection.

Comparing rates for affordable coverage in Plano is not as difficult as people think. Nearly each driver who compares rates for car insurance will probably be able to cut their insurance bill. Although Texas consumers can benefit by having an understanding of how companies market on the web and use it to your advantage.

Most major insurance companies allow you to get prices direct online. This process is pretty easy because it's just a matter of typing in the coverages you want into a form. Once you submit the form, the system will order your driving record and credit report and provides a quote based on these and other factors. Using the web to get rate quotes for Toyota FJ Cruiser insurance in Plano helps simplify price comparisons, and it's absolutely necessary to perform this step if you want to find the cheapest price on insurance.

In order to find out how much you're overpaying now, compare rates from the companies below. If you have coverage now, it's recommended you copy the insurance coverages exactly as they are listed on your policy. Doing this guarantees you will get comparison quotes using the exact same coverages.

The providers in the list below are our best choices to provide free quotes in Texas. To locate cheap auto insurance in Plano, TX, it's a good idea that you get rates from several of them to get the best price comparison.

Toyota FJ Cruiser coverage statistics

The price information displayed next highlights detailed analysis of insurance costs for Toyota FJ Cruiser models. Having a good understanding how auto insurance prices are formulated can be useful when making smart choices when purchasing an insurance policy.

Toyota FJ Cruiser Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
FJ Cruiser 2WD $322 $400 $388 $24 $116 $1,250 $104
FJ Cruiser 4WD $360 $400 $388 $24 $116 $1,288 $107
Get Your Own Custom Quote Go

Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Prices do not factor in specific location which can modify premium rates greatly.

Higher deductibles lower rates

When shopping for car insurance, a common question is how high should the physical damage coverage deductibles be. The tables below can help you understand the rate differences between low and high coverage deductibles. The first data set uses a $250 deductible for comp and collision and the second price chart uses a $500 deductible.

Toyota FJ Cruiser insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
FJ Cruiser 2WD $332 $408 $382 $22 $114 $1,283 $107
FJ Cruiser 4WD $370 $408 $382 $22 $114 $1,321 $110
Get Your Own Custom Quote Go
Toyota FJ Cruiser insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
FJ Cruiser 2WD $270 $328 $382 $22 $114 $1,116 $93
FJ Cruiser 4WD $300 $328 $382 $22 $114 $1,146 $96
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Premium costs do not factor in specific location information which can increase or decrease prices greatly.

Based on the data above, we can derive that using a $250 deductible costs approximately $14 more each month or $168 each year averaged for all FJ Cruiser models than selecting the higher $500 deductible. Since you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 18 months between claim filings, you would save more money if you opt for a higher deductible.

Gender-based car insurance rates by age

The example below illustrates the comparison of Toyota FJ Cruiser car insurance rates for male and female drivers. The price estimates are based on no accidents or driving violations, full physical damage coverage, $1,000 deductibles, drivers are single, and no other discounts are factored in.

Toyota FJ Cruiser liability-only versus full coverage

The illustration below illustrates the comparison of Toyota FJ Cruiser insurance rates with and without full coverage. The information is based on a clean driving record, no claims, $1,000 deductibles, single status, and no additional discounts are factored in.

When to switch to liability coverage only

There is no set guideline of when to exclude comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of having full coverage is more than 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.

For example, let's say your Toyota FJ Cruiser settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, you would only receive $3,000 after the deductible is paid. If it's costing in excess of $300 a year for full coverage, then it could be time to drop full coverage.

There are a few cases where only buying liability is not financially feasible. If you still owe a portion of the original loan, you must maintain physical damage coverage to protect the lienholder's interest in the vehicle. Also, if you can't afford to buy a different vehicle if your current one is totaled, you should keep full coverage in place.

Choosing the best Toyota vehicle insurance in Texas is an important decision

Despite the high cost, buying insurance may be required for several reasons.

  • Almost all states have compulsory liability insurance requirements which means the state requires specific limits of liability in order to be legal. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you have a loan on your vehicle, it's most likely the lender will make it mandatory that you buy insurance to guarantee payment of the loan. If you default on your policy, the bank will be required to insure your Toyota at an extremely high rate and require you to fork over much more than you were paying before.
  • Insurance protects not only your vehicle but also your assets. It will also provide coverage for hospital and medical expenses for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If your Toyota gets damaged, your policy will cover the damage repairs after a deductible is paid.

The benefits of insuring your FJ Cruiser more than offset the price you pay, particularly for liability claims. Unknowingly, the average driver overpays as much as $865 each year so shop around every year to ensure rates are competitive.

Learn How to Lower Your Insurance Prices

One of the most helpful ways to save on auto insurance is to to have a grasp of the rating factors that aid in calculating your premiums. When consumers understand what impacts premium levels, this empowers consumers to make smart changes that can help you get lower rates. Many things are taken into consideration when you quote your car insurance policy. Some of the criteria are obvious like an MVR report, although others are more obscure like your continuous coverage or your commute time.

Alarms and GPS tracking lower premiums - Choosing to buy a car with a theft deterrent system can help bring down rates. Systems that thwart thieves like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart your car from being stolen.

Good drivers pay less - Your driving citation history has a lot to do with how much you pay for insurance. Careful drivers get better prices than people who have multiple driving citations. Just one citation can increase the cost of insurance by twenty percent. Drivers who have severe violations such as reckless driving or DUI are required to file a SR-22 with their state's licensing department in order to prevent a license revocation.

The diagram below illustrates how violations and at-fault fender-benders can affect Toyota FJ Cruiser premium costs for different categories of driver ages. Data assumes a single male driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.

Know your credit rating - Having a bad credit history is a large factor in determining premium rates. People with excellent credit scores tend to be more responsible and file fewer claims as compared to drivers with worse credit. Therefore, if your credit leaves room for improvement, you could save money insuring your Toyota FJ Cruiser if you clean up your credit.

See if your company offers a multi-policy discount - Most companies will award a discount to policyholders who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to five, ten or even twenty percent. Even though this discount sounds good, it's in your best interest to comparison shop to ensure the best deal.There is a good possibility that you can save more without the discount by splitting coverages up.

What is the best car insurance company in Texas?

Buying coverage from a high-quality car insurance provider can be rather challenging considering how many companies there are to choose from in Plano. The rank data in the next section can help you analyze which auto insurance companies to look at to insure your vehicles.

Top 10 Plano Car Insurance Companies Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

Top 10 Plano Car Insurance Companies Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

One last note

We covered many tips how you can lower your Toyota FJ Cruiser insurance prices in Plano. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even find the lowest prices are with a company that doesn't do a lot of advertising. These companies may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm, GEICO and Nationwide.

Cost effective Toyota FJ Cruiser insurance can be bought on the web in addition to many Plano insurance agents, so you need to quote Plano car insurance with both to have the best rate selection. There are still a few companies who do not provide rates over the internet and many times these regional carriers provide coverage only through independent agencies.

As you shop your coverage around, it's very important that you do not skimp on coverage in order to save money. There have been many cases where drivers have reduced full coverage only to regret they didn't have enough coverage. The ultimate goal is to purchase a proper amount of coverage for the lowest price and still be able to protect your assets.

To read more, feel free to browse the resources below: