Cheap Insurance for a Toyota FJ Cruiser in Mesa

Want to learn how to find more affordable Toyota FJ Cruiser insurance in Mesa? Feel like you have an under-performing, overpriced auto insurance policy? Trust us when we tell you there are lots of people in the same boat.

It’s shocking but a large majority of drivers have stayed with the same insurance company for at least the last four years, and almost half have never compared rates from other carriers. Mesa consumers could save roughly 50% every year by just comparing rate quotes, but they just assume it’s a time-consuming process to do a rate comparison. Many insurers compete to insure your vehicles, so it’s not easy to compare every insurance company and uncover the absolute lowest rate possible on Toyota FJ Cruiser insurance in Mesa.

If you already have coverage or are just looking to switch companies, use these money-saving tips to save money without reducing coverage. Finding the cheapest auto insurance coverage in Mesa is not that difficult as long as you know where to start. Consumers just need to learn the quickest way to compare rate quotes from multiple carriers.

Companies offer money-saving discounts on Toyota FJ Cruiser insurance in Mesa

Some companies don’t list every available discount in a way that’s easy to find, so we took the time to find some of the more common and also the more inconspicuous credits that may apply to you. If you do not check that you are getting every discount available, you are paying more than you should be.

• Life Insurance Discount – Some car insurance companies give a lower rate if you buy a life insurance policy as well.
• 55 and Retired – Drivers that qualify as senior citizens may receive a small discount on rates.
• No Claim Discounts – Insureds with no claims or accidents pay much less in comparison with drivers who are more careless.
• Accident Forgiveness Coverage – Not really a discount, but a handful of insurance companies allow you one accident before raising your premiums if your claims history is clear for a specific time period.
• Payment Method – If paying your policy premium upfront rather than paying monthly you can avoid monthly service charges.
• Bundle and Save – If you can combine your auto and homeowners policy with the same insurance company they may give you a discount of as much as 10 to 15 percent.
• Discounts for Federal Employees – Federal government employees may reduce rates when you quote Mesa auto insurance depending on your company.
• Professional Organizations – Participating in a professional or civic organization could earn you a nice discount when getting a Mesa auto insurance quote.

Consumers should know that most credits do not apply to all coverage premiums. Most only cut individual premiums such as physical damage coverage or medical payments. Just because it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

The illustration below compares Toyota FJ Cruiser premium costs with and without discounts applied to the policy premium. The premiums are based on a male driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, marriage, multi-car, multi-policy, and safe-driver discounts applied.

Companies and a summarized list of policyholder discounts are shown below.

• State Farm may offer discounts for good student, Steer Clear safe driver discount, anti-theft, safe vehicle, passive restraint, and good driver.
• American Family may include discounts for bundled insurance, multi-vehicle, Steer into Savings, accident-free, air bags, good student, and defensive driver.
• AAA offers premium reductions for pay-in-full, multi-policy, good student, good driver, multi-car, and AAA membership discount.
• GEICO offers discounts for good student, daytime running lights, membership and employees, defensive driver, emergency military deployment, and multi-vehicle.
• Mercury Insurance may have discounts that include type of vehicle, annual mileage, good student, low natural disaster claims, anti-theft, and ease of repair.
• Farmers Insurance has savings for pay in full, good student, distant student, early shopping, teen driver, and switch companies.
• Progressive discounts include multi-policy, multi-vehicle, online quote discount, continuous coverage, homeowner, and good student.

If you need inexpensive Mesa auto insurance quotes, ask every prospective company the best way to save money. Some discounts listed above may not be offered in Mesa.

Finding a lower price on insurance is an easy way to save money. You just need to take the time getting comparison quotes online from several insurance companies.

Online shopping is fast and free, and it makes it a waste of time to waste gas driving to each insurance agency near you. Comparing Toyota FJ Cruiser insurance rate quotes online can eliminate the need for a local agent unless your situation requires the extra assistance only provided by licensed Mesa agents. It is possible with some companies comparison shop your insurance online but buy the policy through an agent.

The following companies offer free quotes in Mesa, AZ. To buy cheap car insurance in Mesa, we recommend you compare several of them to get the best price comparison.

Rates and data analysis

The premium information displayed next covers estimates of insurance costs for Toyota FJ Cruiser models. Being more informed about how insurance policy premiums are established can help drivers make smart choices when comparing insurance quotes.

Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Premium costs do not factor in the specific area where the vehicle is garaged which can influence premiums substantially.

Where to set your deductibles

When comparing insurance rates, the most common question is which deductible level should you buy. The figures shown below may help to illustrate the difference in cost of buying low and high insurance deductibles. The first set of rates uses a $100 deductible and the second price chart uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Table data does not factor in specific location information which can lower or raise rates substantially.

Using the data above, we can ascertain that using a $100 deductible costs roughly $29 more each month or $348 for a full year than buying the higher $1,000 deductible. Because you would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you have at least 31 months between claims, you would come out ahead if you opt for a higher deductible.

An important sidenote is that raising deductibles to get cheaper rates results in having to pay to pay more out-of-pocket if you have a claim. You need some extra savings in the event you need to pay the deductible for vehicle repair.

The illustration below demonstrates how deductible levels and can raise or lower Toyota FJ Cruiser yearly insurance costs for different ages of insureds. The rates are based on a single male driver, full coverage, and no discounts are factored in.

Insurance rates based on gender

The diagram below shows the difference between Toyota FJ Cruiser insurance premiums for male and female drivers. The information is based on no claims or driving citations, full coverage, $100 deductibles, single status, and no additional discounts are factored in.

Cost of full coverage in Mesa

The chart below compares Toyota FJ Cruiser insurance rates with liability coverage only compared to full coverage. The rates are based on no accidents or driving violations, $1,000 deductibles, single status, and no discounts are applied to the premium.

When to stop buying comprehensive and collision coverage

There is no exact formula to eliminate comprehensive and collision coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

For example, let’s assume your Toyota FJ Cruiser replacement cost is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $4,000 after paying your deductible. If you are currently paying more than $400 a year for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are some conditions where only buying liability is not a good plan. If you haven’t paid off your loan, you have to carry full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not eliminate full coverage.

The Toyota FJ Cruiser Insurance Rate Equation

Lots of things are considered when you get your auto insurance bill. Some factors are common sense like an MVR report, although some other factors are more obscure such as your credit history or your financial responsibility.

Shown below are just a few of the factors used by your company to calculate prices.

• Your spouse saves you money – Getting married may save some money when buying auto insurance. It means you’re more responsible and insurance companies like that drivers who are married are more cautious.

• Insurance is expensive for teenage drivers – Young drivers in Arizona are proven to be inattentive and easily distracted when driving with friends therefore auto insurance rates are much higher. If you’ve ever had to add a first-time driver onto your auto insurance can break the bank. Older, more experienced drivers are shown to be more cautious, tend to cause fewer accidents, and get fewer tickets.

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

• Buy as much liability protection as you can afford – The liability section of your policy will afford coverage if a court rules you are at fault for personal injury or accident damage. Liability insurance provides legal defense coverage which can cost thousands of dollars. Liability is cheap compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.

• Premiums increase with driving tickets – Having a clean driving record has a lot to do with how much you pay for insurance. Only having one chargeable violation may cause rates to rise to the point where it’s not affordable. Attentive drivers pay lower auto insurance prices compared to bad drivers. Drivers unfortunate enough to have careless citations such as hit and run, DWI or reckless driving convictions may find that they have to to prove financial responsibility with their state motor vehicle department in order to prevent a license revocation.

  The chart below illustrates how speeding tickets and at-fault claims can raise Toyota FJ Cruiser premium costs for different age categories. The data assumes a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.

• Low comp and collision deductibles can be expensive – Protection for physical damage, also known as collision and other-than-collision, protects your Toyota from damage. A few examples of covered claims would be a broken side mirror, vandalism, and damage from a fallen tree branch. Physical damage deductibles are the amount of money you are required to spend out-of-pocket if the claim is covered. The larger the amount you choose to pay out-of-pocket, the less your company will charge you for insurance.

Tailor your auto insurance coverage to you

When buying insurance from an agent or online, there really is not a “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions might help in determining if your insurance needs will benefit from professional help.

• When should I have rental car coverage?
• What vehicles should carry emergency assistance coverage?
• How high should my uninsured/underinsured coverage be in Arizona?
• Should I carry comprehensive and collision coverage?
• Do I pay less if my vehicle is kept in my garage?
• Do I really need UM/UIM coverage?
• Should I pay a claim out-of-pocket?
• What exactly is covered by my policy?
• What if I total my Toyota FJ Cruiser and owe more than it’s worth?
• Does liability extend to a camper or trailer?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Compare prices but buy from a local Mesa insurance agency

Certain consumers just prefer to get advice from a local agent and that is recommended in a lot of cases Insurance agents will help you protect your assets and help submit paperwork. A good thing about comparing rates online is that you can find better rates and also buy local.

After completing this short form, your information is instantly submitted to participating agents in Mesa who will give you quotes for your business. You won’t even need to search for any insurance agencies because quoted prices will be sent directly to your email. If you need to get a price quote from a specific insurance company, you would need to navigate to their website to submit a rate quote request.

Picking the best company requires you to look at more than just a cheap price. These are some questions you should get answers to.

• Does the agency have a positive business rating?
• Do they have cheaper tiers of coverage?
• Do the agents have professional certifications like CPCU or CIC?
• Who is covered by the car insurance policy?
• Is the coverage adequate for your vehicle?
• Do they have any clout with companies to ensure a fair claim settlement?
• Which companies do they recommend if they are an independent agency?
• If you have an accident, will your rates go up?

If you’re trying to find local Mesa agents, there are two different types of agents and how they work. Car insurance agents are either exclusive or independent (non-exclusive). Both types can sell and service car insurance coverage, but it is important to understand how they are different because it may have an impact on which type of agent you select.

Exclusive Agencies

Exclusive insurance agents can only provide one company’s prices such as Farmers Insurance and State Farm. Exclusive agencies are unable to provide rate quotes from other companies so you might not find the best rates. Exclusive agencies are usually quite knowledgeable on their products and sales techniques which helps overcome the inability to quote other rates.

Shown below are Mesa exclusive insurance agents who may provide you with price quote information.

More insurance agents

Independent Agents (or Brokers)

Agents of this type are not employed by one company and that allows them to write policies with an assortment of companies and possibly get better coverage at lower prices. If they find a lower price, they simply move the coverage in-house and you stay with the same agent. When comparison shopping, we recommend you check rates from several independent agencies so that you can do a thorough price comparison.

Listed below is a short list of independent insurance agencies in Mesa who can help you get rate quotes.

More insurance agents

If you feel you receive good responses to any questions you have as well as offering an affordable quote, you may have just found an insurance agent that can be relied on to service your policy.

Why you need to buy auto insurance

Despite the potentially high cost of Toyota FJ Cruiser insurance, auto insurance is most likely required but also gives you several important benefits.

First, just about all states have mandatory insurance requirements which means state laws require specific minimum amounts of liability protection 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 FJ Cruiser, almost every bank will require that you have full coverage to protect their interest in the vehicle. If you let the policy lapse, the bank will be required to insure your Toyota for a much higher rate and require you to pay for it.

Third, insurance safeguards your Toyota FJ Cruiser and your assets. It will also provide coverage for all forms of medical expenses for yourself as well as anyone injured by you. As part of your policy, liability insurance will also pay attorney fees if anyone sues you for causing an accident. If you have damage to your Toyota as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will cover the repair costs.

The benefits of insuring your car greatly outweigh the cost, especially if you ever need it. On average, a vehicle owner in Mesa overpays more than $700 annually so it’s recommended you shop around each time the policy renews to ensure rates are competitive.

Quote often and quote early

People change insurance companies for a number of reasons such as high rates after DUI convictions, poor customer service, policy cancellation or even high prices. It doesn’t matter why you want to switch switching companies can be easier than you think.

We’ve covered a lot of ways to find cheap Toyota FJ Cruiser insurance in Mesa. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates come from some of the smallest insurance companies.

Budget-conscious Toyota FJ Cruiser insurance is possible online in addition to many Mesa insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies don’t offer the ability to get quotes online and these regional carriers sell through independent agents.

Steps to finding more affordable Toyota FJ Cruiser insurance in Mesa

The recommended way to get the cheapest Toyota FJ Cruiser insurance is to compare quotes annually from companies in Mesa. You can shop around by following these steps.

First, try to learn a little about coverages and the steps you can take to keep rates in check. Many rating criteria that cause rate increases like tickets, at-fault accidents, and a not-so-good credit rating can be amended by improving your driving habits or financial responsibility.

Second, compare prices from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give prices from a single company like GEICO or Farmers Insurance, while independent agencies can provide prices from multiple sources.

Third, compare the price quotes to the premium of your current policy to see if a cheaper rate is available in Mesa. If you find better rates and decide to switch, make sure there is no lapse in coverage.

Fourth, tell your current company of your intention to cancel the current policy. Submit a signed application and payment to your new company or agent. Make sure you place your new certificate of insurance in an easily accessible location in your vehicle.

One key aspect when comparing rates is to make sure you enter similar limits and deductibles on every quote request and and to get prices from as many carriers as you can. Doing this provides the most accurate price comparison and the best price selection.

Additional information

• Smart Auto Insurance Tips (Insurance Information Institute)
• Who Has Affordable Car Insurance Quotes for Postal Workers in Mesa? (FAQ)
• Who Has the Cheapest Mesa Car Insurance for Drivers Under 21? (FAQ)
• Should I Buy a New or Used Car? (Allstate)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
• Collision Coverage (Liberty Mutual)