Save Money on Toyota FJ Cruiser Insurance in Dallas

If saving the most money is your goal, then the best way to find better pricing on auto insurance rates in Dallas is to do a yearly price comparison from insurers who sell auto insurance in Texas. You can compare rates by following these steps.

1. Try to learn about the coverage provided by your policy and the things you can control to keep rates low. Many things that cause high rates like inattentive driving and a negative credit history can be eliminated by being financially responsible and driving safely. Continue reading for additional ideas to get cheaper coverage and find overlooked discounts.
2. Obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like GEICO or Farmers Insurance, while independent agents can provide prices for many different companies.
3. Compare the price quotes to the premium of your current policy and determine if there is any savings. If you find better rates and make a switch, make sure there is no lapse in coverage.

One thing to remember is to use similar limits and deductibles on each quote request and and to get prices from as many carriers as you can. This helps ensure an apples-to-apples comparison and a complete price analysis.

It’s safe to assume that car insurance companies don’t want policyholders to shop around. Consumers who get comparison quotes at least once a year are likely to buy a new policy because there is a great chance of finding coverage at a more affordable price. Surprisingly, a recent survey revealed that people who faithfully checked for cheaper rates saved approximately $3,500 over four years compared to policyholders who didn’t regularly shop around.

If saving money on Toyota FJ Cruiser insurance is your ultimate goal, then having a grasp of how to choose a company and compare insurance coverage can help make the process easier.

Rates and data analysis

The premium table shown below covers detailed analysis of coverage prices for Toyota FJ Cruiser models. Learning how rates are formulated can be of help when making informed decisions when comparing rate quotes.

Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Table data does not factor in specific garaging location which can decrease or increase premiums considerably.

Policy deductible comparison

One frequently asked question is how high or low should comp and collision deductibles be. The following tables outline the rate fluctuation when you buy lower versus higher physical damage deductibles. The first rate estimation uses a $250 physical damage deductible and the second data table uses a $1,000 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Price information does not factor in specific zip code location which can lower or raise coverage rates considerably.

Using the premium rates above, we can conclude that using a $250 deductible would cost the average driver about $26 more each month or $312 every year across all Toyota FJ Cruiser models than buying the higher $1,000 deductible. Since you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you go at least 29 months between claim filings, you would come out ahead if you elect the higher deductible.

The diagram below illustrates how choosing a deductible and can change Toyota FJ Cruiser insurance premiums for different age groups. The rates are based on a married female driver, comprehensive and collision coverage, and no discounts are applied.

Careless driving habits raise Dallas insurance rates

The chart below shows how traffic citations and accidents influence Toyota FJ Cruiser insurance rates for different categories of driver ages. The data assumes a married male driver, full coverage, $250 deductibles, and no discounts are taken into consideration.

Dallas insurance discounts for a Toyota FJ Cruiser

Some insurance providers do not advertise all discounts in an easy-to-find place, so the following list contains some of the best known in addition to some of the lesser obvious ways to save on car insurance.

• Theft Deterrent – Anti-theft and alarm system equipped vehicles are stolen less frequently and will qualify for a discount on a Dallas auto insurance quote.
• Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can receive discounts of 20% or more.
• No Claim Discounts – Dallas drivers who stay claim-free pay less when compared to insureds who have frequent claims or accidents.
• Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to fasten their seat belts can save 10% or more on medical payment and PIP coverage.
• Dallas Homeowners Pay Less – Just being a homeowner can get you a discount because of the fact that having a home requires personal responsibility.
• Low Miles Discount – Low mileage vehicles can qualify you for cheaper rates.
• Employee of Federal Government – Being employed by or retired from a federal job may reduce rates when you quote Dallas auto insurance with certain companies.
• Drivers Education – Require your teen driver to successfully complete driver’s ed class as it will make them better drivers and lower rates.
• ABS Brakes – Cars with ABS and/or traction control can reduce accidents so companies give up to a 10% discount.
• Onboard Data Collection – Policyholders that allow their insurance company to study where and when they drive by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction as long as the data is positive.

Policy discounts save money, but some credits don’t apply to the entire policy premium. Most cut specific coverage prices like comprehensive or collision. Just because you may think adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

The example below compares Toyota FJ Cruiser auto insurance costs with and without discounts applied to the policy premium. The premium estimates are based on a male driver, no accidents, no driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, marriage, multi-car, multi-policy, and claim-free discounts applied.

If you would like to see a list of providers that provide some of the discounts listed above in Dallas, click this link.

Car insurance coverages for a Toyota FJ Cruiser

Understanding the coverages of a auto insurance policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average auto insurance policy.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Toyota FJ Cruiser.

Since a lot of drivers only purchase the least amount of liability that is required (Texas limits are 30/60/25), their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Usually the UM/UIM limits are set the same as your liability limits.

Coverage for collisions

Collision insurance will pay to fix damage to your FJ Cruiser resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as sideswiping another vehicle, damaging your car on a curb, driving through your garage door and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible on your FJ Cruiser to get cheaper collision coverage.

Coverage for liability

This coverage will cover damage that occurs to people or other property. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 30/60/25 which stand for $30,000 bodily injury coverage, a total of $60,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims like repair bills for other people’s vehicles, pain and suffering, legal defense fees and repair costs for stationary objects. How much coverage you buy is a personal decision, but consider buying higher limits if possible. Texas state law requires minimum liability limits of 30/60/25 but you should consider buying better liability coverage.

The next chart shows why buying low liability limits may not be enough.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for expenses like X-ray expenses, EMT expenses and prosthetic devices. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive auto insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hail damage, a broken windshield, damage from getting keyed and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Cheaper car insurance rates are possible

We covered quite a bit of information on how to reduce Toyota FJ Cruiser insurance prices online in Dallas. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even find the best price on car insurance is with a company that doesn’t do a lot of advertising. These companies may only write in your state and offer lower rates than the large multi-state companies such as GEICO and State Farm.

Discount Toyota FJ Cruiser insurance in Dallas is available online and also from your neighborhood Dallas agents, so get free Dallas auto insurance quotes from both of them to have the best selection. There are still a few companies who may not provide rates over the internet and usually these small insurance companies only sell through independent agencies.

As you prepare to switch companies, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced physical damage coverage only to find out that it was a big error on their part. Your objective should be to find the BEST coverage at the best cost while still protecting your assets.

For more information, feel free to browse the following helpful articles:

• Shopping for a Safe Car (Insurance Information Institute)
• How Much are Dallas Car Insurance Rates for a Toyota Tacoma? (FAQ)
• How Much is Car Insurance for a 20 Year Old Male in Dallas? (FAQ)
• Who Has the Cheapest Car Insurance Rates for a Subaru Outback in Dallas? (FAQ)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
• State Laws for Cellphones and Texting (iihs.org)
• Rollover Crash FAQ (iihs.org)
• Car Insurance FAQ (Trusted Choice)