Are you tired of trying to find more competitive Toyota FJ Cruiser insurance in Las Vegas? Confused by the sheer number of auto insurance choices in Las Vegas? Many other drivers are as well. There are so many choices to choose from that it is a chore to lower your auto insurance rates for Toyota FJ Cruiser insurance in Las Vegas. Everyone knows that Las Vegas is an excellent city in which to live, but expensive auto insurance can make it hard for many residents to afford enough coverage.
Everyone knows that auto insurance companies don’t want customers comparing rates. People who shop around at least once a year are likely to move their business because there is a good probability of finding more affordable rates. A recent auto insurance study revealed that people who make a habit of shopping around saved approximately $3,400 over four years compared to people who never shopped for cheaper rates.
If finding the best price on Toyota FJ Cruiser insurance is why you’re reading this, then having a good understanding how to find and compare auto insurance can save money and time.
The quickest way to get policy rate comparisons for Toyota FJ Cruiser insurance in Las Vegas is to realize car insurance companies pay for the opportunity to give free rates quotes. To begin a comparison, all you need to do is provide details including if it has an alarm system, your credit rating estimate, how much education you have, and if the vehicle is leased. Your rating data is submitted instantly to many highly-rated insurers and they respond with quotes almost instantly.
To find lower cheaper Toyota FJ Cruiser insurance rates now, click here then complete the form.
The car insurance companies shown below have been selected to offer quotes in Las Vegas, NV. If multiple companies are listed, we suggest you click on several of them to get a more complete price comparison.
Las Vegas insurance discounts for a Toyota FJ Cruiser
Car insurance is not cheap, but there could be significant discounts that you may not even be aware of. A few discounts will automatically apply at the time of quoting, but once in a while a discount must be specially asked for in order for you to get them. If you are not receiving all the discounts you deserve, you could be getting lower rates.
- Multi-line Discount – Not all insurance companies offer life insurance, but some may give you a discounted premium rate on car insurance if you buy life insurance.
- Safety Restraint Discount – Drivers who require all vehicle occupants to buckle their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
- Military Deployment Discount – Being deployed with a military unit could mean lower car insurance rates.
- Good Student Discount – Getting good grades could provide a savings of up to 20% or more. This discount can apply well after school through age 25.
- Save over 55 – If you’re over the age of 55, you may qualify for a small discount on rates.
- Own a Home – Just owning your own home can save a few bucks since owning and maintaining a home demonstrates responsibility.
- Early Payment Discounts – By paying your entire bill at once instead of making monthly payments you could save up to 5%.
- Telematics Discount – Drivers who elect to allow driving data submission to study driving manner by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive may see discounts if they show good driving skills.
Just know that some of the credits will not apply to your bottom line cost. The majority will only reduce individual premiums such as collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. Any amount of discount will definitely lower your policy cost.
The illustration below illustrates the difference between Toyota FJ Cruiser auto insurance rates with and without policy discounts. The prices are based on a male driver, no violations or accidents, Nevada state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, marriage, multi-car, safe-driver, and claim-free discounts applied.
If you would like to view insurance companies that provide some of the discounts listed above in Las Vegas, follow this link.
Toyota FJ Cruiser insurance rates and statistics
The premium table below covers different coverage costs for Toyota FJ Cruiser models. Being more informed about how rate quotes are calculated can aid in making informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FJ Cruiser 2WD | $258 | $386 | $324 | $20 | $96 | $1,084 | $90 |
| FJ Cruiser 4WD | $286 | $386 | $324 | $20 | $96 | $1,112 | $93 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Price information does not factor in specific Las Vegas garaging location which can affect coverage rates significantly.
Higher deductibles lower rates
One of the most common auto insurance questions is the level to set your comp and collision deductibles. The figures shown below highlight how much more rates are of buying low and high policy deductibles. The first rate comparisons uses a $100 deductible for comprehensive and collision coverage and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FJ Cruiser 2WD | $300 | $394 | $308 | $18 | $92 | $1,137 | $95 |
| FJ Cruiser 4WD | $334 | $394 | $308 | $18 | $92 | $1,171 | $98 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FJ Cruiser 2WD | $218 | $266 | $308 | $18 | $92 | $902 | $75 |
| FJ Cruiser 4WD | $244 | $266 | $308 | $18 | $92 | $928 | $77 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Estimates do not factor in the specific area where the vehicle is garaged which can lower or raise prices noticeably.
Based on the above data, using a $100 deductible will cost you approximately $21 more each month or $252 each year averaged for all FJ Cruiser models than requesting the higher $500 deductible. Since you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you normally average at a minimum 19 months between claims, you would come out ahead if you elect the higher deductible. Here is a better example of how we made this calculation.
| Average monthly premium for $100 deductibles: | $97 |
| Average monthly premium for $500 deductibles (subtract): | – $76 |
| Monthly savings from raising deductible: | $21 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $21 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
The illustration below illustrates how your choice of deductibles and can raise or lower Toyota FJ Cruiser premium costs for different insured age categories. Data assumes a married female driver, comp and collision included, and no discounts are factored in.
Auto insurance rates are higher with tickets and accidents
The illustration below illustrates how traffic citations and at-fault fender-benders influence Toyota FJ Cruiser auto insurance rates for each age group. The information is based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.
Toyota FJ Cruiser insurance premiums by gender in Las Vegas
The information below illustrates the difference between Toyota FJ Cruiser auto insurance rates for male and female drivers. The data is based on no accidents, no driving violations, full coverage, $1,000 deductibles, single status, and no policy discounts are applied.
Price comparison of only insuring for liability
The example below illustrates the comparison of Toyota FJ Cruiser premium costs with full coverage compared to only the Nevada minimum liability coverage. The data is based on no accidents or driving violations, $100 deductibles, drivers are not married, and no discounts are taken into consideration.
Should you be buying full coverage?
There is no specific rule of when to eliminate physical damage insurance, but there is a general school of thought. If the yearly cost of full coverage is more than about 10% of any settlement you would receive from your insurance company, then you might consider buying liability only.
For example, let’s say your Toyota FJ Cruiser replacement cost is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $3,000 after paying the physical damage deductible. If it’s costing in excess of $300 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
There are some conditions where buying only liability insurance is not financially feasible. If you haven’t satisfied your loan, you are required to maintain full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should not buy liability only.
What if I want to buy from local Las Vegas car insurance agents?
Some consumers just want to buy from a local agent and that can be a smart move One of the great benefits of comparing rates online is you can get lower rates and still have an agent to talk to. And supporting neighborhood agents is especially important in Las Vegas.
After filling out this form (opens in new window), the quote information gets sent to local insurance agents that provide free Las Vegas car insurance quotes for your auto insurance coverage. It’s much easier because you don’t need to search for any insurance agencies as quotes are delivered to the email address you provide. You can get cheaper auto insurance rates without the usual hassles of price shopping. If you need to get a comparison quote for a specific company, don’t hesitate to visit that company’s website to submit a rate quote request.
If you are wanting to find a local Las Vegas insurance agent, you need to know there are two types of agencies to choose from. Agencies in Las Vegas are either exclusive agents or independent agents.
Independent Auto Insurance Agents (or Brokers)
Independent agents are appointed with more than one company and that enables them to quote your coverage with multiple insurance companies enabling the ability to shop coverage around. If your agent finds better pricing, your agent can switch companies and you don’t have to switch agencies.
If you need cheaper auto insurance rates, we recommend you include at a minimum one independent agency in order to have the best price comparison. They often place coverage with less well-known companies that may have much lower rates than larger companies.
Shown below is a short list of independent agents in Las Vegas that may be able to provide pricing information.
- Harrison Insurance Agency
724 S 9th St – Las Vegas, NV 89101 – (702) 648-1634 – View Map - Universal Insurance Agency
348 N Nellis Blvd – Las Vegas, NV 89110 – (702) 838-5141 – View Map - Las Vegas Auto Insurance
1953 N Decatur Blvd – Las Vegas, NV 89108 – (702) 570-5777 – View Map
Exclusive Insurance Agents
Agents in the exclusive channel can only place business with one company and some examples include Allstate, State Farm and Farm Bureau. These agents are unable to place coverage with different providers so you might not find the best rates. They receive a lot of sales training on sales techniques and that allows them to sell at a higher price point. Some consumers prefer to use the same agent mostly because of loyalty to the company and solid financial strength.
Below is a short list of exclusive insurance agencies in Las Vegas that can give you comparison quotes.
- State Farm: Eric James
1350 E Flamingo Rd #14 – Las Vegas, NV 89119 – (702) 836-0953 – View Map - Jason Paszek – State Farm Insurance Agent
4250 E Bonanza Rd #16 – Las Vegas, NV 89110 – (702) 453-9500 – View Map - State Farm: Bree Buckles
1000 S Rampart Blvd #14 – Las Vegas, NV 89145 – (702) 869-6600 – View Map
Finding the right auto insurance agent is decision based upon more than just the quoted price. Before buying a policy in Las Vegas, get answers to these questions.
- Is the agent properly licensed in Nevada?
- Are there any discounts that you might be missing?
- Do you work with a CSR or direct with the agent?
- Where would your vehicle be repaired?
- Do they receive special compensation for putting your coverage with one company over another?
- Does the company have a solid financial rating?
- Are they actively involved in the community?
Once you have good answers to any questions you may have as well as offering an affordable quote, most likely you have located an insurance agency that is a good match to properly service your auto insurance policy. Keep in mind it’s your coverage and you can cancel your policy when you choose so don’t think that you are obligated to any particular company for the full term.
How do I know if I need professional advice?
When choosing the best car insurance coverage for your vehicles, there is no cookie cutter policy. You are unique so your insurance should reflect that
For example, these questions might help in determining whether your personal situation would benefit from professional advice.
- Are all vehicle passengers covered by medical payments coverage?
- How high should deductibles be on a Toyota FJ Cruiser?
- Should I get collision insurance on every vehicle?
- Are rock-chip repairs free?
- Does liability extend to a camper or trailer?
- Why are teen drivers so expensive to add on to my policy?
- What is medical payments coverage?
- Am I insured when driving a different vehicle?
If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.
Insuring your vehicle just makes sense
Despite the potentially high cost of Toyota FJ Cruiser insurance, car insurance is not optional due to several reasons.
First, just about all states have mandatory liability insurance requirements which means the state requires specific limits of liability protection in order to be legal. In Nevada 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 your FJ Cruiser has a loan, more than likely the lender will force you to have comprehensive coverage to ensure they get paid if you total the vehicle. If you let the policy lapse, the lender may insure your Toyota at a much higher premium rate and force you to pay the higher price.
Third, insurance safeguards not only your vehicle but also your financial assets. It will also cover hospital and medical expenses for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense in the event you are sued. If damage is caused by hail or an accident, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.
The benefits of carrying enough insurance are without a doubt worth the cost, particularly if you ever have a claim. On average, a vehicle owner in Las Vegas is overpaying over $820 a year so it’s important to compare rates at every renewal to save money.
Auto insurance 101
Knowing the specifics of a auto insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages offered by auto insurance companies.
Uninsured and underinsured coverage
This gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Toyota FJ Cruiser.
Because many people only purchase the least amount of liability that is required (15/30/10), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Normally these limits are similar to your liability insurance amounts.
Liability
This coverage can cover injuries or damage you cause to other people or property. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 15/30/10 which stand for a $15,000 limit per person for injuries, a limit of $30,000 in injury protection per accident, and a limit of $10,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.
Liability can pay for claims such as structural damage, pain and suffering, medical services and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible. Nevada state minimum liability requirements are 15/30/10 but you should think about purchasing more liability than the minimum.
The illustration below demonstrates why the minimum limit may not be adequate.
Comprehensive coverages
This coverage covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things such as hitting a bird, vandalism and a tree branch falling on your vehicle. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Coverage for medical payments
Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like nursing services, surgery and pain medications. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible
Collision coverage
This coverage will pay to fix damage to your FJ Cruiser resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like backing into a parked car, scraping a guard rail and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible on your FJ Cruiser to get cheaper collision coverage.
What is YOUR best insurance company?
Affordable Toyota FJ Cruiser insurance in Las Vegas is definitely available on the web and with local Las Vegas insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who do not offer internet price quotes and most of the time these small insurance companies work with independent agencies.
As you shop your coverage around, it’s not a good idea to buy poor coverage just to save money. There have been many situations where consumers will sacrifice liability coverage limits only to regret that the small savings ended up costing them much more. Your strategy should be to buy the best coverage you can find at an affordable rate, not the least amount of coverage.
How to buy discount Toyota FJ Cruiser insurance in Las Vegas
If you want to save the most money, the best way to get budget car insurance rates is to compare prices at least once a year from providers that sell auto insurance in Las Vegas.
Step 1: Try to understand how auto insurance works and the steps you can take to keep rates in check. Many rating criteria that increase rates like speeding tickets, careless driving and an unacceptable credit rating can be eliminated by being financially responsible and driving safely.
Step 2: Compare prices from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from a single company like Progressive or State Farm, while independent agents can provide price quotes from many different companies. Compare rates
Step 3: Compare the new rate quotes to the premium of your current policy to see if a cheaper rate is available. If you find a lower rate, make sure coverage does not lapse between policies.
One thing to point out is to use the same liability limits and deductibles on each quote and and to get quotes from every company you can. This enables a fair rate comparison and many rates to choose from.
Additional detailed information can be read in these articles:
- What is Covered by GAP Insurance? (Allstate)
- How Much are Auto Insurance Rates for Business Use in Las Vegas? (FAQ)
- How Much are Auto Insurance Quotes for College Students in Las Vegas? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Nissan Sentra in Las Vegas? (FAQ)
- Who Has Affordable Auto Insurance Rates for a 20 Year Old Male in Las Vegas? (FAQ)
- How to shop for a safer car (Insurance Institute for Highway Safety)
- What is a Telematics Device? (Allstate)