Compare Toyota FJ Cruiser Insurance Quotes in Philadelphia

Having to pay for pricey auto insurance in Philadelphia can empty your bank account and make it impossible to make ends meet.

A recent auto insurance study revealed that most consumers have stayed with the same insurance company for at least four years, and approximately 38% of consumers have never even shopped around for affordable coverage. Pennsylvania consumers could save an average of $690 each year, but they assume it’s a waste of time to go online and compare rates.

Insurance companies such as Allstate and Progressive increase brand awareness with TV and radio ads and it is challenging if not impossible to see through the deception and effectively compare rates to find the best deal.

If you currently have car insurance, you stand a good chance to be able to lower your rates using the concepts you’re about to learn. Locating the most cost-effective car insurance policy in Philadelphia can be made easier if you know where to look. But Pennsylvania consumers must comprehend how big insurance companies market insurance on the web.

Lower rates by qualifying for discounts

Companies offering auto insurance do not advertise every discount they offer in a way that’s easy to find, so the below list has some of the more common as well as the least known credits available to you.

• Pay Early and Save – By paying your policy upfront instead of paying each month you can avoid the installment charge.
• Driver Training Discounts – Successfully completing a safe driver course could save 5% or more and make you a better driver.
• No Accidents – Philadelphia drivers who stay claim-free can earn big discounts when compared with bad drivers.
• Driving Data Discount – Policyholders that allow their company to study vehicle usage through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive may see discounts if they show good driving skills.
• Bundle and Save – If you can bundle your home and auto insurance and insure them with the same company you could get a discount of at least 10% off all policies.
• 55 and Retired – Seniors may be able to get a small discount on rates.
• Discount for New Cars – Insuring a new FJ Cruiser can get you a discount due to better safety requirements for newer models.
• One Accident Forgiven – Not a discount per se, but companies like GEICO, Allstate and Liberty Mutual may permit one accident without the usual rate increase if your claims history is clear for a particular time prior to the accident.
• Multi-car Discount – Buying coverage for all your vehicles on one policy could earn a price break for each car.
• ABS and Traction Control Discounts – Cars, trucks, and SUVs that have anti-lock braking systems are much safer to drive and qualify for as much as a 10% discount.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Most cut the cost of specific coverages such as collision or personal injury protection. Despite the appearance that all those discounts means the company will pay you, companies wouldn’t make money that way.

The diagram below shows the comparison of Toyota FJ Cruiser insurance premiums with and without policy discounts. The information is based on a female driver, no violations or accidents, Pennsylvania state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, marriage, multi-policy, multi-car, and claim-free discounts applied.

A list of companies and a selection of discounts can be read below.

• State Farm offers premium reductions for anti-theft, driver’s education, passive restraint, Drive Safe & Save, multiple policy, and student away at school.
• Esurance may have discounts that include anti-lock brakes, DriveSense, good driver, homeowner, online quote, Switch & Save, and multi-policy.
• Progressive has discounts for multi-policy, good student, online quote discount, online signing, and homeowner.
• Liberty Mutual offers discounts including new move discount, new graduate, teen driver discount, multi-car, and newly retired.
• Auto-Owners Insurance includes discounts for good student, safe driver, company car, teen driver, anti-theft, safe vehicle, and anti-lock brakes.
• GEICO offers discounts for good student, seat belt use, anti-theft, anti-lock brakes, federal employee, daytime running lights, and air bags.

Double check with all the companies to apply every possible discount. Discounts might not apply in your area. To locate providers who offer online Toyota FJ Cruiser insurance quotes in Philadelphia, click this link.

The quickest method we recommend to compare car insurance company rates for Toyota FJ Cruiser insurance in Philadelphia utilizes the fact car insurance companies participate in online systems to give you rate quotes. All consumers are required to do is provide a small amount of information like whether your vehicle is owned or leased, whether or not you need a SR-22, whether the vehicles are used for commuting, and if it has an anti-theft system. Your insurance information is automatically sent to multiple different insurance companies and you should receive rate quotes with very little delay.

To start a quote now, click here and enter the information requested.

The companies shown below have been selected to offer price quotes in Philadelphia, PA. If multiple companies are listed, we suggest you click on several of them to get a more complete price comparison.

Coverage statistics and figures

The data table displayed next showcases different rate quotes for Toyota FJ Cruiser models. Having a better idea how car insurance prices are determined can be useful when making smart choices when comparing insurance quotes.

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Prices do not factor in vehicle garaging location which can lower or raise auto insurance rates greatly.

Higher deductibles save money

A question often asked by Philadelphia drivers is how high should the physical damage deductibles be. The data tables below lay out the cost difference when you choose different deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second price table uses a $1,000 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Estimates do not factor in specific Philadelphia garaging location which can affect insurance rates considerably.

We can derive from the above data that using a $250 deductible would cost the average driver about $22 more each month or $264 every year than choosing the higher $1,000 deductible. Because you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 34 months between claim filings, you would save money if you choose a higher deductible.

The illustration below shows how choosing a deductible and can increase or decrease Toyota FJ Cruiser insurance costs for each different age category. The premiums are based on a married male driver, full physical damage coverage, and no discounts are factored in.

Rate difference between full and liability-only coverage

The chart below shows the difference between Toyota FJ Cruiser car insurance rates with and without physical damage coverage. The data assumes no violations or accidents, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.

Should you be buying full coverage?

There isn’t a steadfast formula to stop paying for full coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your Toyota FJ Cruiser settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $4,000 after paying your deductible. If it’s costing in excess of $400 a year for your policy with full coverage, then you might consider buying liability only.

There are some circumstances where only buying liability is not advised. If you still owe a portion of the original loan, you are required to maintain full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not eliminate full coverage.

There’s no such thing as the perfect insurance policy

When it comes to buying insurance from an agent or online, there really is not a one size fits all plan. Each situation is unique so this has to be addressed.
For example, these questions may help you determine if your insurance needs may require specific advice.

• Can I get a multi-policy discount?
• What does roadside assistance cover?
• Where can I find DUI or SR-22 insurance?
• What are the best liability limits?
• Am I covered when delivering products for my home-based business?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Shop online but buy locally

A lot of people would rather go talk to an agent and that is a personal choice. One of the best bonuses of comparing auto insurance online is you can get cheaper premium rates but still work with a licensed agent. Buying from and supporting local agents is important especially in Philadelphia.

For easy comparison, once you complete this form (opens in new window), the quote information gets sent to companies in Philadelphia who will gladly provide quotes for your auto insurance coverage. There is no need to leave your house as quotes are delivered directly to your email. You can get cheaper auto insurance rates AND an agent nearby. If you wish to get a price quote for a specific company, you just need to find their quoting web page and fill out their quote form.

Do you need an independent or exclusive auto insurance agent?

If you are wanting to purchase auto insurance from a local insurance agency, you must know there are a couple different agency structures and how they can write your policy. Auto insurance policy providers can be categorized as either independent or exclusive depending on the company they work for.

Independent Auto Insurance Agencies or Brokers

Independent insurance agents often have affiliation with several companies and that enables them to quote your coverage through many different auto insurance companies and get you the best rates possible. If you want to switch companies, they simply move your policy to a different company which makes it simple for you. If you need cheaper auto insurance rates, it’s recommended you compare quotes from a couple of independent agencies to maximize your price options.

Listed below are Philadelphia independent insurance agents that may be able to give you free auto insurance quotes.

View more Philadelphia agents

Exclusive Insurance Agents

Exclusive insurance agents can only place business with one company and some examples include Farmers Insurance and State Farm. Exclusive agencies are unable to provide rate quotes from other companies so it’s a take it or leave it situation. Exclusive agents are well schooled on sales techniques which helps them sell insurance even at higher premiums.

Listed below is a short list of exclusive insurance agencies in Philadelphia who can help you get price quotes.

View more Philadelphia agents

Choosing an auto insurance agent requires you to look at more than just the bottom line cost. Here are some questions you might want to ask.

• Are there any discounts that you might be missing?
• What insurance companies do they work with in Philadelphia?
• Does the agency support the community they serve?
• Does the company have a solid financial rating?
• If your car is totaled, how to they determine the replacement cost?

One last thing to lower rates

As you go through the steps to switch your coverage, it’s not a good idea to buy poor coverage just to save money. Too many times, an insured dropped physical damage coverage and found out when filing a claim that it was a big error on their part. The ultimate goal is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

We just showed you some good ideas how you can reduce Toyota FJ Cruiser insurance auto insurance rates online in Philadelphia. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the best auto insurance rates are with the smaller companies. They may have significantly lower premium rates on certain market segments compared to the large companies like Progressive and GEICO.

Much more information about car insurance in Pennsylvania is available at these links:

• Liability Insurance Coverage (Nationwide)
• Who Has the Cheapest Philadelphia Car Insurance for a Learners Permit? (FAQ)
• Who Has Cheap Car Insurance Quotes for Veterans in Philadelphia? (FAQ)
• How Much are Auto Insurance Rates for High School Students in Philadelphia? (FAQ)
• Automakers compete to add autobraking (Insurance Institute for Highway Safety)
• A Tree Fell on Your Car: Now What? (Allstate)
• What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
• Think You’re a Safe Driver? (State Farm)