Are you overwhelmed by the crazy number of car insurance choices in Jacksonville? Lot’s of other drivers are too. There are so many choices to choose from that it can easily turn into a ton of work to find the best rates for Toyota FJ Cruiser insurance in Jacksonville. Everyone knows Jacksonville is the perfect city to reside in, but trying to pay high car insurance rates can make it nearly impossible to pay other bills every month.
It’s well known that insurance companies want to keep you from shopping around. People who shop around annually are inclined to switch companies because they have a good chance of finding better rates. A recent car insurance study revealed that people who routinely compared quotes saved over $72 a month compared to those who never shopped around.
If saving the most money on auto insurance is your goal, understanding the best way to quote and compare auto insurance can help you succeed in saving money.
It’s smart to shop coverage around as often as possible because prices tend to go up over time. Just because you had the lowest quotes on Toyota FJ Cruiser insurance in Jacksonville two years ago a different company probably has better rates today. There are a lot of ways to save on FJ Cruiser insurance out there, but in this article, you’re going to get a bunch of ideas how to reduce your car insurance bill.
If you have a policy now, you will definitely be able to cut your premiums using the ideas presented in this article. Quoting the best protection in Jacksonville is not that difficult. Nevertheless, Florida car owners do need to understand how the larger insurance companies compete online and use this information to your advantage.
Most companies make it easy to get insurance quotes direct online. Getting online quotes for Toyota FJ Cruiser insurance in Jacksonville is easy for anyone because it’s just a matter of typing in the amount of coverage you want into a form. Once entered, their quoting system orders credit information and your driving record and quotes a price.
This makes comparing rates easy, and it’s also necessary to perform this step if you want to find the cheapest price.
To compare pricing, compare rates from the companies below. If you currently have coverage, we recommend you input the coverages identical to your current policy. This makes sure you are getting an apples-to-apples comparison for similar insurance coverage.
The providers in the list below can provide comparison quotes in Florida. If multiple companies are listed, we suggest you visit as many as you can in order to get a fair rate comparison.
Insurance rate breakdown
The coverage information shown next covers estimates of coverage prices for Toyota FJ Cruiser models. Being aware of how insurance policy premiums are figured helps drivers make smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FJ Cruiser 2WD | $224 | $280 | $418 | $24 | $124 | $1,070 | $89 |
| FJ Cruiser 4WD | $250 | $280 | $418 | $24 | $124 | $1,096 | $91 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in specific zip code location which can decrease or increase price quotes greatly.
The example below shows how different deductible levels and can increase or decrease Toyota FJ Cruiser insurance premiums for each different age category. The premiums assume a single male driver, comprehensive and collision coverage, and no discounts are applied.
Impact of careless driving on car insurance rates
The chart below highlights how traffic violations and at-fault fender-benders can drive up Toyota FJ Cruiser insurance costs for different categories of driver ages. The data is based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are applied.
Full coverage rates vs. liability-only in Jacksonville
The example below illustrates the difference between Toyota FJ Cruiser insurance costs when comparing full coverage to state minimum liability only. The information is based on no driving violations, no at-fault accidents, $1,000 deductibles, single marital status, and no discounts are taken into consideration.
Guidelines for dropping full coverage
There is no definitive formula to drop full coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is more than about 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.
For example, let’s say your Toyota FJ Cruiser replacement cost is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company would pay you is $6,000 after paying the physical damage deductible. If you are paying more than $600 a year to have full coverage, then it might be time to buy liability only.
There are some scenarios where dropping physical damage coverage is not a good plan. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage in place.
Get cheaper Toyota FJ Cruiser insurance rates in Jacksonville
Insuring your fleet can be pricey, but you may qualify for discounts to help bring down the price. Certain reductions will be credited at quote time, but some discounts are required to be inquired about in order for you to get them.
- Discounts for New Vehicles – Buying coverage on a new vehicle can get you a discount since newer models are generally safer.
- Drive Safe and Save – Insureds who avoid accidents can pay as much as 50% less as compared to drivers with claims.
- Distant College Student Discount – Kids who are enrolled in higher education away from home and do not take a car to college may be able to be covered for less.
- Driver Training Discounts – Passing a course in driver safety can save you 5% or more and make you a better driver.
- Safety Restraint Discount – Buckling up and requiring all passengers to buckle up could save 15% off the PIP or medical payment premium.
- Club Memberships – Being in certain professional organizations may earn a discount on your next car insurance statement.
- Air Bags and Passive Restraints – Factory air bags or automatic seat belts may get savings of up to 25% or more.
As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Some only apply to specific coverage prices like comprehensive or collision. Even though it appears you can get free auto insurance, that’s just not realistic.
The example below visualizes the comparison of Toyota FJ Cruiser premium costs with and without policy discounts. The prices are based on a male driver, a clean driving record, no at-fault accidents, Florida state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, safe-driver, multi-car, marriage, and multi-policy discounts applied.
Larger car insurance companies and a selection of discounts are outlined below.
- American Family may include discounts for bundled insurance, defensive driver, TimeAway discount, air bags, early bird, accident-free, and Steer into Savings.
- State Farm offers discounts including accident-free, multiple policy, driver’s education, anti-theft, safe vehicle, good driver, and Drive Safe & Save.
- 21st Century offers premium reductions for anti-lock brakes, air bags, automatic seat belts, 55 and older, teen driver, defensive driver, and good student.
- Travelers discounts include IntelliDrive, home ownership, payment discounts, multi-car, save driver, and multi-policy.
- GEICO includes discounts for air bags, daytime running lights, membership and employees, multi-policy, and anti-lock brakes.
Double check with all the companies which discounts you may be entitled to. Some discounts may not apply to policies in your area. For a list of providers that offer discounts in Jacksonville, click this link.
Why do I need car insurance?
Even though it can be expensive, maintaining insurance may not be optional for several reasons.
First, just about all states have compulsory liability insurance requirements which means you are required to buy specific minimum amounts of liability insurance coverage in order to be legal. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you bought your vehicle with a loan, most banks will require you to buy insurance to guarantee payment of the loan. If you do not keep the policy in force, the bank may insure your Toyota for a much higher rate and require you to reimburse them much more than you were paying before.
Third, car insurance protects your vehicle and your assets. It will also provide coverage for medical transport and hospital expenses incurred in an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if anyone sues you for causing an accident. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.
The benefits of having insurance definitely exceed the cost, particularly if you ever have a claim. The average driver in America is wasting up to $810 a year so compare quotes from several companies at every renewal to ensure rates are competitive.
Compare rates but still have a local neighborhood Jacksonville car insurance agent
Some consumers just want to buy from a local agent and there is nothing wrong with that. The best thing about comparing auto insurance online is that drivers can save money and get cheap rate quotes and still have an agent to talk to. Buying from and supporting local insurance agents is definitely important in Jacksonville.
To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is submitted to agents in your area who can give free rate quotes for your business. You never need to even leave your home because quoted prices will be sent to your email. You can find lower rates without having to waste a lot of time. If you need to quote rates from a particular provider, you would need to go to their quote page and fill out their quote form.
Two different types of auto insurance agents
When narrowing the list to find an insurance agent, you need to know there are two types of insurance agents and how they are distinctly different. Insurance agencies in Jacksonville are classified as either exclusive or independent agents depending on their company appointments.
Independent Agents (or Brokers)
Independent agencies often have affiliation with several companies so they can quote policies with an assortment of companies and find you cheaper rates. To move your coverage to a new company, they simply move the coverage in-house and you stay with the same agent.
When searching for an agent, it’s a good idea to get several quotes from a couple of independent agencies to maximize your price options. Most can insure with additional companies that you may not be familiar with who may have lower rates.
Listed below are independent insurance agencies in Jacksonville that may be able to give free auto insurance rate quotes.
- Contemporary Affordable Insurance Agency
212 E Forsyth St – Jacksonville, FL 32202 – (904) 350-0014 – View Map - Zellner Insurance Agency
4114 Sunbeam Rd #101 – Jacksonville, FL 32257 – (904) 356-1492 – View Map - The Maverick Insurance Agency
9119 Merrill Rd #8 – Jacksonville, FL 32225 – (904) 743-6661 – View Map
Exclusive Insurance Agents
Agents that elect to be exclusive generally can only insure with one company and some examples include American Family, State Farm, and Allstate. Exclusive agents cannot provide other company’s prices so they really need to provide good service. These agents are very knowledgeable on the products they sell which aids in selling service over price. Some people will only buy from the same agent for years mostly because of the prominent brand name rather than having the cheapest rates.
Listed below is a short list of exclusive insurance agents in Jacksonville who can help you get price quote information.
- Allstate
13947 Beach Blvd #206 – Jacksonville, FL 32224 – (904) 992-0002 – View Map - Allstate Insurance: James R. Stamper
3450 Dunn Ave Ste 104 – Jacksonville, FL 32218 – (904) 765-2919 – View Map - Bill Pool – State Farm Insurance Agent
7025 Normandy Blvd – Jacksonville, FL 32205 – (904) 781-3800 – View Map
Selecting a auto insurance agent requires more thought than just a low price. Any agent in Jacksonville should be forthright in answering these questions:
- Which companies do they recommend if they are an independent agency?
- In the event of vehicle damage, can you pick the collision repair facility?
- Can you get a list of referrals?
- Are they able to influence company decisions when a claim is filed?
- Is coverage determined by price?
- Does the agency provide any after hours assistance?
- Is the agency active in community causes in Jacksonville?
Car insurance coverage options for a Toyota FJ Cruiser
Knowing the specifics of your car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement.
Uninsured or underinsured coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.
Because many people have only the minimum liability required by law (10/20/10), it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are set the same as your liability limits.
Medical expense coverage
Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as ambulance fees, funeral costs, pain medications and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible
Comprehensive protection
This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims like falling objects, damage from flooding, hitting a bird, damage from getting keyed and a broken windshield. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Coverage for collisions
Collision coverage covers damage to your FJ Cruiser from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.
Collision coverage protects against things like rolling your car, scraping a guard rail, crashing into a ditch, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible on your FJ Cruiser to bring the cost down.
Liability coverages
This protects you from damage that occurs to other people or property in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 10/20/10 that means you have a $10,000 limit per person for injuries, $20,000 for the entire accident, and $10,000 of coverage for damaged property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.
Liability coverage pays for things such as legal defense fees, court costs, medical expenses and pain and suffering. How much liability coverage do you need? That is your choice, but buy as large an amount as possible. Florida state law requires minimum liability limits of 10/20/10 but you should think about purchasing higher limits.
The next chart shows why minimum state limits may not be adequate coverage.