Save Money on Toyota FJ Cruiser Insurance in Arlington

Surprisingly, a recent survey revealed that almost 70% of drivers in Texas have purchased from the same company for more than four years, and approximately 38% of consumers have never even shopped around for cheap coverage. Most drivers in the U.S. could save about $859 each year just by getting comparison quotes, but most undervalue how much savings they would realize if they just switched companies.

Discount Toyota FJ Cruiser insuranceThe preferred way to get the cheapest Toyota FJ Cruiser insurance in Arlington is to compare prices once a year from providers who sell auto insurance in Texas.

  1. Spend some time learning about how insurance works and the measures you can control to keep rates down. Many rating criteria that cause rate increases like inattentive driving and poor credit rating can be controlled by making lifestyle changes or driving safer.
  2. Compare rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive and State Farm, while independent agencies can provide price quotes for many different companies. View a list of agents
  3. Compare the new rates to your current policy premium to see if a cheaper price is available. If you find a lower rate quote and switch companies, ensure there is no coverage lapse between policies.
  4. Notify your agent or company to cancel your current policy and submit a down payment along with a completed application to the new company. Don’t forget to place your new certificate verifying coverage with the vehicle registration.

The key thing to know about shopping around is that you’ll want to make sure you compare the same level of coverage on each price quote and and to get price estimates from as many carriers as you can. This enables a fair price comparison and the best price selection.

Finding the cheapest insurance coverage in Arlington can be much easier if you know how to start. If you have a policy now or want to find a cheaper company, take advantage of these tips to lower your rates without reducing coverage. Consumers just have to learn the least time-consuming way to compare different rates online.

The most recommended method to compare car insurance company rates for Toyota FJ Cruiser insurance in Arlington is to know the fact most of the larger companies pay for the opportunity to compare their rates. To start a quote, the only thing you need to do is give them rating details like whether you are married, the make and model of your vehicles, types of safety features, and whether you drive to work or school. The data is instantly sent to multiple top-rated companies and they return cost estimate quickly.

To find the cheapest Toyota FJ Cruiser insurance rates, click here and see if a lower rate is available in Arlington.

The following companies are our best choices to provide free quotes in Texas. If you want to find the best auto insurance in Texas, we recommend you visit as many as you can to get a more complete price comparison.

Analysis of Toyota FJ Cruiser rates

The information shown next showcases a range of insurance policy prices for Toyota FJ Cruiser models. Understanding more about how car insurance prices are figured can be of help when making decisions when choosing a new policy provider.

Toyota FJ Cruiser Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
FJ Cruiser 2WD $260 $372 $496 $30 $148 $1,306 $109
FJ Cruiser 4WD $288 $372 $496 $30 $148 $1,334 $111
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Price information does not factor in zip code location which can impact price quotes noticeably.

Raise deductibles and save

One of the most common insurance questions is where to set your physical damage deductibles. The comparison tables below can help you understand how much more you’ll pay when you choose different physical damage coverage deductibles. The first pricing table uses a $250 physical damage deductible and the second set of rates uses a $500 deductible.

Toyota FJ Cruiser insurance premium rates 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
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Toyota FJ Cruiser insurance premium rates 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

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Price information does not factor in specific garaging location which can modify coverage rates substantially.

Based on these figures, using a $250 deductible could cost the average driver approximately $14 more each month or $168 annually than requesting the higher $500 deductible. Since you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to average at least 18 months between claim filings, you would more than likely save some money by selecting a higher deductible.

Full coverage rates vs. liability-only in Arlington

The information below shows the difference between Toyota FJ Cruiser auto insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The data assumes a clean driving record, no at-fault accidents, $500 deductibles, single status, and no policy discounts are applied.

When to drop comprehensive and collision

There is no definitive guideline of when to exclude physical damage coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is 10% or more 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 book value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $2,000 after you pay the deductible. If you are paying in excess of $200 a year for your policy with full coverage, then you might consider buying liability only.

There are some scenarios where eliminating full coverage is not in your best interest. If you haven’t satisfied your loan, you must maintain physical damage coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should keep full coverage in place.

How to Lower Your Insurance Costs

Many different elements are taken into consideration when quoting car insurance. Most are fairly basic such as traffic violations, but others are not as apparent like your continuous coverage or your commute time.

Rural areas have lower premiums – Living in smaller towns and rural areas of the country is a good thing when it comes to car insurance. Drivers who live in large cities have more aggressive driving styles and much longer commute distances. Less people living in that area means a lower chance of having an accident in addition to fewer liability claims.

Small coverages can add up – There are a lot of add-on coverages that can waste your money if you aren’t careful. Things like personal injury protection, high-cost glass coverage, and extra life insurance coverage may not be needed and are just wasting money. These may sound like a good investment at first, but if they’re wasting money think about removing them and cutting costs.

Gender and insurance – Statistics demonstrate women are more cautious behind the wheel. That doesn’t necessarily mean that females are better at driving than males. Both genders tend to get into auto accidents in similar percentages, but guys tend to have higher claims. Not only that, but men also get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly.

The diagram below visualizes the comparison of Toyota FJ Cruiser auto insurance costs for male and female drivers. The rate quotes are based on no violations or claims, full coverage, $1,000 deductibles, single status, and no other discounts are factored in.

High coverage deductibles save money – Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Toyota. A few examples of covered claims would be colliding with a building, flood damage, and damage from a fallen tree branch. The deductibles you choose tell how much you are required to pay before a claim is paid by your company. The higher the amount the insured has to pay upfront, the lower your rates will be.

Safer vehicles means cheaper premiums – Vehicles with high crash test scores are cheaper to insure. The safest vehicles have better occupant injury protection and lower rates of occupant injuries means less claims paid and cheaper rates on your policy.

Discounts for married couples – Your spouse may cut your premiums compared to being single. Having a significant other demonstrates that you tend to be more mature than a single person and insurance companies reward insureds because married couples file fewer claims.

Choosing vehicle insurance is an important decision

Despite the fact that insurance is not cheap in Arlington, insuring your vehicle may be required and benefits you in several ways.

First, almost all states have mandatory insurance requirements which means you are required to carry a specific level of liability protection if you drive a vehicle. 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.

Second, if you bought your vehicle with a loan, more than likely the lender will require that you have insurance to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the lender may have to buy a policy to insure your Toyota at an extremely high rate and require you to pay a much higher amount than you were paying before.

Third, insurance safeguards not only your Toyota but also your financial assets. It also can pay for many types of medical costs for both you and anyone you injure as the result of an accident. Liability insurance will also pay for a defense attorney in the event you are sued. If your Toyota gets damaged, comprehensive and collision coverage will cover the repair costs.

The benefits of carrying adequate insurance outweigh the cost, especially if you ever need it. On average, a vehicle owner in Arlington is currently overpaying as much as $865 each year so compare rates once a year at a minimum to ensure rates are competitive.

Which car insurance company is best in Texas?

Insuring your vehicle with a highly-rated insurance provider can be difficult considering how many companies there are to choose from in Arlington. The rank data displayed below could help you choose which coverage providers you want to consider purchasing a policy from.

Top 10 Arlington Car Insurance Companies Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance