It’s a fact that insurance companies don’t want customers comparing rates. People who get price comparisons will probably buy a different policy because there are good odds of finding discount prices. A recent study showed that drivers who made a habit of comparing rate quotes saved $865 a year as compared to drivers who don’t make a habit of comparing rates.
If finding discount rates on auto insurance is your objective, then having a good understanding the best ways to shop for coverage rates can save money and time.
If you want to find the absolute lowest rates, then the best way to get affordable Toyota FJ Cruiser insurance in Lincoln is to regularly compare quotes from insurance carriers who provide auto insurance in Nebraska. Rates can be compared by completing these steps.
Step 1: Take a few minutes and learn about what coverages are included in your policy and the measures you can control to lower rates. Many rating factors that increase rates such as accidents, careless driving, and a low credit rating can be amended by being financially responsible and driving safely. Later in this article we will cover tips to prevent high rates and find missing discounts.
Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like Progressive or Allstate, while independent agents can provide prices from many different companies.
Step 3: Compare the price quotes to the premium of your current policy and see if there is a cheaper rate. If you find a lower rate and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
A good piece of advice is that you’ll want to make sure you compare the same level of coverage on every quote and and to get rate quotes from as many different companies as possible. Doing this helps ensure an accurate price comparison and the best rate selection.
The quickest way to compare rates for Toyota FJ Cruiser insurance in Lincoln is to know all the major auto insurance companies will pay a fee to compare rate quotes. To begin a comparison, all you need to do is give the companies some data like if you are currently licensed, the make and model of your vehicles, coverage limits, and daily mileage. Your information is instantly submitted to multiple companies and you will receive price estimates with very little delay.
If you wish to get multiple quotes for your Toyota FJ Cruiser now, click here and enter your zip code.
The companies in the list below are ready to provide quotes in Nebraska. If you wish to find the best auto insurance in Lincoln, we suggest you visit as many as you can to get a more complete price comparison.
Discounts can help lower rates on Toyota FJ Cruiser insurance in Lincoln
Companies offering auto insurance don’t always publicize every discount very well, so the list below gives a summary of both the well known and the more hidden credits that may apply to you. If you do not double check each discount possible, you could be getting lower rates.
- Anti-theft Discount – Cars, trucks, and SUVs that have factory anti-theft systems are stolen with less frequency so companies will give you a small discount.
- Accident Waiver – This one is not really a discount per se, but some companies like Progressive, State Farm and GEICO will turn a blind eye to one accident without the usual rate increase if you are claim-free for a set time period.
- Discounts for Multiple Vehicles – Drivers who insure all your vehicles on a single policy may reduce the rate for each vehicle.
- Safety Restraint Discount – Drivers who require all occupants to use a seat belt can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
- New Car Discount – Putting coverage on a new FJ Cruiser can be considerably cheaper because new vehicles keep occupants safer.
- Senior Citizens – If you’re over the age of 55, you may qualify for lower premium rates.
- Switch and Save Discount – A few larger companies allow discounts for switching policies before your current expiration date. You may see this discount when you get Lincoln car insurance quotes online.
- Good Drivers – Insureds without accidents can pay as much as 50% less as compared to drivers with claims.
It’s important to note that most discount credits are not given to the whole policy. Most only cut specific coverage prices like liability and collision coverage. If you do the math and it seems like all those discounts means the company will pay you, auto insurance companies aren’t that generous.
The chart below compares Toyota FJ Cruiser insurance costs with and without discounts. The price estimates are based on a male driver, no tickets, no at-fault accidents, Nebraska state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-car, multi-policy, marriage, and claim-free discounts applied.
To see companies with discount auto insurance rates in Lincoln, click here to view.
Detailed insurance information
The coverage information shown next covers detailed analysis of insurance costs for Toyota FJ Cruiser models. Being more informed about how insurance quotes are figured helps drivers make smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FJ Cruiser 2WD | $224 | $330 | $338 | $20 | $102 | $1,014 | $85 |
| FJ Cruiser 4WD | $250 | $330 | $338 | $20 | $102 | $1,040 | $87 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Price estimates do not factor in specific zip code location which can lower or raise coverage prices noticeably.
Rate comparison for different deductibles
When shopping for auto insurance, a common question is which deductible level should you buy. The comparison tables below help summarize how much more rates are when you choose different comp and collision deductibles. The first set of rates uses a $100 deductible for physical damage and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FJ Cruiser 2WD | $292 | $382 | $300 | $18 | $90 | $1,107 | $92 |
| FJ Cruiser 4WD | $324 | $382 | $300 | $18 | $90 | $1,139 | $95 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FJ Cruiser 2WD | $162 | $202 | $300 | $18 | $90 | $772 | $64 |
| FJ Cruiser 4WD | $180 | $202 | $300 | $18 | $90 | $790 | $66 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Estimates do not factor in your specific Lincoln location which can affect auto insurance rates greatly.
We can estimate from the data above that using a $100 deductible costs an average of $29 more each month or $348 each year across all Toyota FJ Cruiser models than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 31 months between claim filings, you would save money if you opt for a higher deductible.
Annual premiums comparing men and women in Lincoln
The example below visualizes the comparison of Toyota FJ Cruiser insurance costs for male and female drivers. Data assumes no claims, a clean driving record, full coverage, $100 deductibles, drivers are not married, and no discounts are applied to the premium.
How Insurance Providers Calculate Toyota FJ Cruiser Insurance Costs
Smart consumers have a good feel for some of the factors that play a part in calculating the rates you pay for car insurance. If you have a feel for what influences your rates, this allows you to make educated decisions that will entitle you to better car insurance rates. Multiple criteria are used when you quote your car insurance policy. Some are obvious like an MVR report, but some are more obscure like where you live and annual miles driven.
The items below are just a few of the factors used by your company to calculate prices.
A policy lapse can increase prices – Allowing your coverage to lapse will be a fast way to bump up your car insurance costs. Not only will rates go up, getting caught without coverage might get you a license revocation or jail time. You could then be forced to prove you have insurance by filing a SR-22 with the Nebraska department of motor vehicles.
Multi-policy discounts can save money – Many insurance companies will give a discount to customers that buy multiple policies, otherwise known as a multi-policy discount. Even if you already get this discount, you may still want to compare Toyota FJ Cruiser rates in Lincoln to help guarantee you have the best rates.
Certain employers pay higher rates – Occupations like fire fighters, executives, and dentists generally have the highest rates due to high stress levels and long work hours. On the flip side, professions such as farmers, students and retirees have the lowest average rates.
Vehicle theft costs us all – Buying a car with a theft deterrent system can help lower your premiums. Anti-theft features such as OnStar, LoJack tracking, and tamper alarms help track and prevent your vehicle from being stolen.
Cheaper premiums with safer cars – Safer cars get lower rates. Highly rated vehicles reduce injuries and reduced instances of injuries translates into savings for insurance companies passed on to you as lower rates.