Auto Insurance Rate Quotes for a Toyota FJ Cruiser in Scottsdale

The best way to get cheaper car insurance rates in Scottsdale is to start comparing prices regularly from insurers that sell auto insurance in Arizona. You can compare prices by following these steps.

• Step 1: Try to comprehend individual coverages and the measures you can control to prevent high rates. Many factors that increase rates like traffic tickets, fender benders, and an imperfect credit score can be rectified by paying attention to minor details.
• Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from a single company like Progressive and State Farm, while independent agencies can quote prices from multiple insurance companies.
• Step 3: Compare the new rates to your existing policy and determine if cheaper FJ Cruiser coverage is available in Scottsdale. If you find a lower rate quote and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.

A crucial key to this process is to use identical limits and deductibles on each price quote and and to compare as many car insurance companies as possible. Doing this provides a level playing field and a thorough selection of prices.

A recent study showed that nearly 70% of consumers kept buying from the same company for well over three years, and nearly half have never quoted insurance rates at all. Drivers in Arizona could save themselves about $700 a year, but they mistakenly think it’s difficult to compare rates.

If you have a policy now, you will definitely be able to find the best rates using these techniques. Obtaining price quotes for the best car insurance in Scottsdale can be fairly easy. But Arizona consumers can benefit from knowing how the larger insurance companies market insurance on the web and take advantage of how the system works.

The best way to compare rates for Toyota FJ Cruiser insurance in Scottsdale is to know the fact most insurance companies pay for the opportunity to compare rate quotes. The one thing you need to do is give the companies some data such as if it has an anti-theft system, coverage limits, your job, and if you’re married. Your information gets transmitted to insurance companies and you should receive rate quotes immediately.

To check rates for your Toyota FJ Cruiser now, click here and enter your zip code.

The auto insurance companies shown below have been selected to offer comparison quotes in Arizona. If multiple companies are listed, it’s highly recommended you get price quotes from several of them to get the most affordable price.

Toyota FJ Cruiser insurance statistics and information

The price information shown next showcases different insurance rates for Toyota FJ Cruiser models. Having insight into how insurance policy rates are figured can assist in making decisions on the best policy coverages.

Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Price estimates do not factor in your specific Scottsdale location which can decrease or increase price quotes considerably.

Should you raise deductibles?

One common question asked by Scottsdale drivers is which comprehensive and collision deductibles to buy. The rates below can help you visualize the cost difference of buying low and high physical damage deductibles. The first set of rates uses a $250 deductible and the second pricing table uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Rate quotes do not factor in Scottsdale location which can raise or lower rates significantly.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs an average of $12 more each month or $144 a year averaged for all FJ Cruiser models than requesting the higher $500 deductible. Due to the fact that you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you average more than 21 months between claims, you would come out ahead if you decide on a higher deductible. Here is an example of how you can do this calculation yourself.

The chart below demonstrates how choosing different deductibles and can affect Toyota FJ Cruiser insurance premiums for each different age group. The rate quotes are based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.

Toyota FJ Cruiser liability rates compared to full coverage

The chart below illustrates the comparison of Toyota FJ Cruiser insurance rates with full physical damage coverage and with liability coverage only. The costs are based on no claims, a clean driving record, $100 deductibles, marital status is single, and no policy discounts are applied.

When to drop full coverage

There is no set rule that is best for determining when to drop physical damage insurance, but there is a general convention. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

For example, let’s say your Toyota FJ Cruiser book value is $4,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $3,000 after paying your deductible. If you are paying in excess of $300 annually for full coverage, then it may be the right time to buy liability only.

There are some conditions where removing full coverage is not in your best interest. If you still owe money on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not drop full coverage.

Choosing the best FJ Cruiser insurance in Arizona is an important decision

Even though Scottsdale FJ Cruiser insurance rates can get expensive, buying car insurance may be mandatory for several reasons.

First, almost all states have mandatory insurance requirements which means you are required to carry specific limits of liability insurance coverage if you don’t want to risk a ticket. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a lien on your vehicle, it’s most likely the lender will make it a condition of the loan 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 bank may buy a policy for your Toyota at a much higher premium rate and require you to pay for the much more expensive policy.

Third, insurance protects both your vehicle and your assets. It will also reimburse you for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance will also pay to defend you if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of carrying enough insurance more than cancel out the cost, particularly for liability claims. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $820 a year so you should quote rates each time the policy renews to make sure the price is not too high.

Get cheaper rates by receiving these six discounts

Not many people think insurance is cheap, but you might find some hidden discounts that could help you make your next renewal payment. Most are applied when you get a quote, but a few need to be asked about prior to receiving the credit.

• Responsible Driver Discount – Drivers without accidents can save as much as half off their rates than drivers with accident claims.
• Waiver for an Accident – This one is not really a discount per se, but some companies like Progressive and Allstate will forgive one accident before raising your premiums so long as you haven’t had any claims for a set time period.
• Include Life Insurance and Save – If the company offers life insurance, you could get a small discount if you purchase auto and life insurance together.
• Smart Student Discounts – This discount can be rewarded with saving of up to 25%. The discount lasts up to age 25.
• Seat Belts Save – Requiring all passengers to fasten their seat belts can save a little on the medical payments or PIP coverage costs.
• Telematics Data Discounts – Policyholders that allow driving data submission to track when and where they use their vehicle by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they exhibit good driving behavior.

As a footnote on discounts, most discount credits are not given to the overall cost of the policy. Most only reduce individual premiums such as liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, companies don’t profit that way.

The example below illustrates the comparison of Toyota FJ Cruiser auto insurance costs with and without discounts applied. The premiums are based on a male driver, no driving violations, no at-fault accidents, Arizona state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, homeowner, safe-driver, claim-free, and multi-policy discounts applied.

Popular auto insurance companies and some of the premium reductions they offer include:

• Progressive has discounts for multi-vehicle, multi-policy, online signing, good student, online quote discount, homeowner, and continuous coverage.
• GEICO may include discounts for defensive driver, anti-lock brakes, good student, five-year accident-free, air bags, driver training, and seat belt use.
• State Farm discounts include accident-free, Steer Clear safe driver discount, defensive driving training, safe vehicle, driver’s education, and multiple policy.
• Esurance may have discounts that include renters, Pac-12 alumni, homeowner, defensive driver, DriveSense, multi-car, and paid-in-full.
• The Hartford policyholders can earn discounts including good student, defensive driver, air bag, bundle, vehicle fuel type, driver training, and anti-theft.

If you want the cheapest Toyota FJ Cruiser rate quotes, ask each insurance company to give you their best rates. A few discounts might not be offered on policies in every state.

Are insurance agents a thing of the past?

Some consumers still prefer to go talk to an agent and that is just fine! A good thing about getting free rate quotes online is the fact that drivers can get better rates and also buy local. And providing support for local agencies is definitely important in Scottsdale.

To make it easy to find an agent, after completing this simple form, the quote information gets sent to agents in your area who will give competitive quotes for your car insurance coverage. It makes it easy because there is no need to contact an agency due to the fact that quote results will go to you. You can get cheaper car insurance rates without a big time investment. If you wish to get a price quote from a specific insurance company, you just need to go to their quote page and submit a quote form there.

Independent or Exclusive: It’s your choice

When narrowing the list to find a reputable insurance agent or broker, there are two different types of agents and how they can service your needs differently. Car insurance agencies are either independent (non-exclusive) or exclusive.

Independent Agencies or Brokers

These type of agents do not sell for just one brand and that is an advantage because they can write policies through lots of different companies and possibly get better coverage at lower prices. If premiums increase, your agent can just switch to a different company and you don’t have to do anything. When shopping rates, you need to get several quotes from a couple of independent agencies to have the best price comparison. Most also have access to additional companies that you may not be familiar with which may provide better rates.

Listed below are independent insurance agencies in Scottsdale that can give you free car insurance rate quotes.

• Desert Mountain Insurance Services – Medical Malpractice
  2918 N 67th Pl – Scottsdale, AZ 85251 – (480) 348-2200 – View Map
• Palomino Insurance Agency
  8889 E Bell Rd – Scottsdale, AZ 85260 – (480) 483-8000 – View Map
• Summit Insurance Advisors
  5425 E Bell Rd – Scottsdale, AZ 85254 – (480) 214-3544 – View Map

View more Scottsdale agents

Exclusive Car Insurance Agencies

Exclusive agents can only write with one company and examples are Farmers Insurance and State Farm. Exclusive agents cannot provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. Exclusive agents are usually quite knowledgeable on their products and sales techniques and that enables them to sell even at higher rates. Some people will only use the same exclusive agent mainly due to the brand name rather than having the cheapest rates.

Shown below is a list of exclusive insurance agents in Scottsdale that are able to give comparison quotes.

• Dan Vukovic – State Farm Insurance Agent
  7077 E Bell Rd #207 – Scottsdale, AZ 85254 – (480) 949-5433 – View Map
• Manny Birch – State Farm Insurance Agent
  7297 N Scottsdale Rd Ste 1001 – Scottsdale, AZ 85253 – (602) 279-4383 – View Map
• Brock T Quinn – State Farm Insurance Agent
  8100 E Indian School Rd #102 – Scottsdale, AZ 85251 – (480) 668-3878 – View Map

View more Scottsdale agents

Picking the best car insurance agent requires you to look at more than just the bottom line cost. A good agent in Scottsdale will have answers to these questions.

• Are claim adjusters local or do you have to take your car somewhere else?
• What will you get paid if your car is a total loss? How is that amount determined?
• Which companies do they recommend if they are an independent agency?
• Did they already check your driving record and credit reports?
• Does the agency support the community they serve?
• How many companies do they write for?
• How will an accident affect your rates?
• Are they involved in claim handling?

Your situation helps dictate your coverage

Keep in mind that when it comes to choosing coverage online or from an agent, there is no cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that might point out whether your personal situation might need professional guidance.

• If I use my vehicle for business use is it covered?
• Does liability extend to a camper or trailer?
• Should I drop comprehensive coverage on older vehicles?
• Who is covered by my policy?
• When would I need rental car insurance?
• Am I covered if I hit my neighbor’s mailbox?
• Why am I be forced to buy a membership to get insurance from some companies?

If you can’t answer these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form.

Car insurance coverages 101

Learning about specific coverages of your policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Collision coverage protection

Collision insurance will pay to fix damage to your FJ Cruiser resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like sustaining damage from a pot hole, backing into a parked car and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible on your FJ Cruiser to save money on collision insurance.

Liability insurance

This coverage provides protection from injuries or damage you cause to a person or their property that is your fault. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 15/30/10 that translate to $15,000 bodily injury coverage, a total of $30,000 of bodily injury coverage per accident, and a limit of $10,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things like attorney fees, repair bills for other people’s vehicles and funeral expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford. Arizona requires minimum liability limits of 15/30/10 but you should consider buying higher limits.

The next chart demonstrates why buying minimum limits may not provide adequate coverage.

Comprehensive car insurance

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, fire damage, hail damage and damage from flooding. The highest amount your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your Toyota FJ Cruiser.

Since a lot of drivers only carry the minimum required liability limits (Arizona limits are 15/30/10), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Usually these coverages do not exceed the liability coverage limits.

Coverage for medical expenses

Med pay and PIP coverage pay for expenses such as X-ray expenses, rehabilitation expenses and doctor visits. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Compare but don’t skimp

When you buy Scottsdale auto insurance online, make sure you don’t skimp on coverage in order to save money. In many instances, someone sacrificed liability limits or collision coverage and found out when filing a claim they didn’t have enough coverage. The aim is to purchase plenty of coverage at the best possible price, not the least amount of coverage.

People change insurance companies for a variety of reasons including policy cancellation, being labeled a high risk driver, not issuing a premium refund or denial of a claim. No matter why you want to switch, choosing a new company is less work than it seems.

Cheaper Toyota FJ Cruiser insurance in Scottsdale is attainable from both online companies as well as from independent agents in Scottsdale, and you should compare rates from both to get a complete price analysis. Some auto insurance companies do not offer rates over the internet and many times these smaller companies work with independent agents.

For more information, feel free to visit the resources below:

• Teen Driving Statistics (iihs.org)
• How Much are Car Insurance Rates for a Toyota RAV4 in Scottsdale? (FAQ)
• Five Mistakes to Avoid (Insurance Information Institute)
• Protect Yourself Against Auto Theft (Insurance Information Institute)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• What is Covered by GAP Insurance? (Allstate)