Affordable Toyota FJ Cruiser Insurance in Virginia Beach

Unthinkable but true, nearly 70% of consumers kept their policy with the same company for four years or more, and almost 40% of drivers have never even compared rates from other companies. Virginia drivers could save an average of approximately $500 each year just by shopping around, but they don’t believe how much savings they would realize if they switch to a new company.

It takes a little time, but the best way to find lower priced Toyota FJ Cruiser insurance is to compare quotes once a year from insurance carriers in Virginia Beach.

1. Try to learn a little about how insurance companies determine prices and the things you can control to keep rates low. Many rating factors that cause rate increases like traffic citations and a substandard credit history can be eliminated by being financially responsible and driving safely.
2. Get rate quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like Progressive and State Farm, while independent agents can quote rates for a wide range of insurance providers.
3. Compare the new quotes to your existing rates and determine if cheaper FJ Cruiser coverage is available. If you find a better price and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
4. Provide proper notification to your current company to cancel your current auto insurance policy. Submit the completed application along with a down payment to your new insurance company. Be sure to keep your new proof of insurance certificate along with your vehicle registration.

One piece of advice is that you’ll want to make sure you compare identical limits and deductibles on every quote and and to analyze as many different insurance providers as possible. Doing this guarantees a level playing field and the most accurate and complete price analysis.

Shopping for the lowest cost protection in Virginia Beach is not as hard as you may think. If you have a policy now or just want cheaper rates, you will benefit by learning to find better prices while maintaining coverages. Vehicle owners only have to learn the fastest way to compare company rates instantly.

How to buy Toyota FJ Cruiser insurance online

The providers in the list below are ready to provide price quotes in Virginia Beach, VA. If you want to find cheaper auto insurance in Virginia Beach, we recommend you visit as many as you can to get the best price comparison.

Cheaper rates by taking advantage of discounts

Companies offering auto insurance don’t always publicize every discount they offer very well, so the next list breaks down both the well known and also the more inconspicuous ways to save on insurance. If you aren’t receiving every discount available, you are paying more than you should be.

• Senior Discount – If you’re over the age of 55, you may qualify for a small discount on rates.
• Paper-free Discount – A handful of larger companies will discount your bill up to fifty bucks for completing your application on the internet.
• Safety Restraint Discount – Buckling up and requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) off the personal injury premium cost.
• Telematics Discount – Drivers who elect to allow their company to look at their driving habits through the use of a telematics system such as Progressive’s Snapshot could see a rate decrease if they have good driving habits.
• Save with a New Car – Putting coverage on a new FJ Cruiser can be considerably cheaper since new model year vehicles are generally safer.
• Auto/Home Discount – If you insure your home and vehicles and insure them with the same company you could earn a discount of as much as 10 to 15 percent.
• First Accident Forgiveness – This one is not really a discount per se, but some insurance companies will allow you to have one accident without getting socked with a rate hike so long as you haven’t had any claims before the accident.
• ABS Braking Discount – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more on FJ Cruiser insurance in Virginia Beach.
• Safety Course Discount – Taking time to complete a class that teaches defensive driving techniques could earn you a small percentage discount and easily pay for the cost of the class.

Keep in mind that most discount credits are not given to the overall cost of the policy. Most only cut specific coverage prices like liability and collision coverage. So despite the fact that it appears you could get a free insurance policy, company stockholders wouldn’t be very happy.

The illustration below illustrates the comparison of Toyota FJ Cruiser insurance prices with and without some available policy discounts. The rates are based on a male driver, no claims or violations, Virginia 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 multi-car, homeowner, safe-driver, claim-free, multi-policy, and marriage discounts applied.

Larger insurance companies and a partial list of their discounts are included below.

• State Farm policyholders can earn discounts including defensive driving training, accident-free, driver’s education, student away at school, and anti-theft.
• Progressive offers discounts including online quote discount, multi-policy, homeowner, continuous coverage, and online signing.
• Travelers includes discounts for payment discounts, continuous insurance, multi-car, save driver, and early quote.
• American Family has savings for bundled insurance, good driver, mySafetyValet, early bird, and defensive driver.
• Liberty Mutual offers discounts for good student, new move discount, hybrid vehicle, safety features, and newly married.

Before you buy a policy, ask each insurance company which credits you are entitled to. Depending on the company, some discounts may not apply to policies in Virginia Beach.

Car insurance statistics and figures

The coverage information displayed next showcases estimates of insurance prices for Toyota FJ Cruiser models. Learning more about how insurance prices are figured helps drivers make decisions on which coverage to buy.

Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Price information does not factor in specific location which can raise or lower rates substantially.

How high should deductibles be?

When shopping for car insurance, a common question is where to set your physical damage deductibles. The comparison tables below can help illustrate the rate fluctuation when you select higher and lower policy deductibles. The first set of prices uses a $250 deductible for physical damage and the second rate table uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Premium costs do not factor in zip code location which can influence coverage rates substantially.

Based on these figures, using a $250 deductible will cost you about $10 more each month or $120 every year than opting for the higher $500 deductible. Due to the fact that you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 25 months between claim filings, you would come out ahead by selecting a higher deductible. The table below illustrates an example of how you can perform this determination yourself.

The diagram below shows how choosing a deductible and can affect Toyota FJ Cruiser insurance premiums for different ages of insureds. The information is based on a single male driver, comp and collision included, and no policy discounts are applied.

Safe drivers pay less for car insurance

The information below shows how speeding tickets and fender-benders can increase Toyota FJ Cruiser insurance prices for each age group. The data is based on a married male driver, full coverage, $1,000 deductibles, and no other discounts are factored in.

Age-based car insurance rates by gender in Virginia Beach

The diagram below shows the comparison of Toyota FJ Cruiser insurance premiums for male and female drivers. The data is based on no claims or driving citations, comp and collision included, $250 deductibles, single status, and no additional discounts are factored in.

Toyota FJ Cruiser liability-only versus full coverage

The chart below illustrates the comparison of Toyota FJ Cruiser car insurance rates with full coverage compared to only the Virginia minimum liability coverage. The information is based on no claims or driving citations, $1,000 deductibles, single status, and no discounts are applied.

Should you buy full coverage or liability only?

There is no specific rule of when to stop paying for comp and collision coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is about 10% or more of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let’s assume your Toyota FJ Cruiser replacement cost is $7,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $6,000 after paying your deductible. If it’s costing in excess of $600 annually to have full coverage, the it may be a good time to stop paying for full coverage.

There are a few situations where dropping physical damage coverage is not financially feasible. If you have an outstanding loan on your vehicle, you have to keep full coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle in case of an accident, you should keep full coverage in place.

Virginia Beach car insurance companies

Selecting the right auto insurance provider can be a challenge considering how many companies provide coverage in Virginia. The company rank data in the next section can help you choose which coverage providers to look at purchasing a policy from.

Top 10 Virginia Beach Car Insurance Companies Ranked by Value

1. Mercury Insurance
2. Travelers
3. American Family
4. AAA Insurance
5. Safeco Insurance
6. Progressive
7. The Hartford
8. Erie Insurance
9. Esurance
10. The General

Top 10 Virginia Beach Car Insurance Companies Ranked by Claims Service

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

How Insurers Determine Toyota FJ Cruiser Insurance Costs

One of the most helpful ways to save on car insurance is to to have a grasp of the factors that are used to determine your car insurance rates. If you know what influences your rates, this enables informed choices that can help you get cheaper rates.

With age comes responsibility – More experienced drivers tend to be more responsible, are lower risk to insure, and are generally more financially stable. Teen drivers tend to be less responsible when at the wheel of a vehicle and because of this, their car insurance rates are much higher.

The following data assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.

Liability protection limits should be high – Your car insurance policy’s liability coverage is the protection if a court rules you are at fault for causing personal injury or damage in an accident. Your liability coverage provides for a legal defense which can cost thousands of dollars. This coverage is relatively inexpensive as compared to coverage for physical damage, so do not skimp.

Poor credit decisions can cost you – Having a bad credit score can be a huge factor in determining what you pay. Therefore, if your credit score could use some work, you could potentially save money when insuring your Toyota FJ Cruiser if you clean up your credit. People that have very good credit scores tend to be more responsible and file fewer claims than drivers with poor credit scores.

Rates and employer – Jobs like military generals, airline pilots, and miners tend to have the highest average rates in part from high stress and long work days. Conversely, occupations like farmers, students and performers pay the least.