Insurance rates Toyota FJ Cruiser in HoustonCutting costs on Toyota FJ Cruiser insurance in Houston can be difficult for drivers who have little experience online rate comparisons. Drivers have so many options available that it can easily become a burden to find more affordable Toyota FJ Cruiser insurance rates.

Surprisingly, a recent survey revealed that most car insurance policyholders in Texas have stayed with the same insurance company for over three years, and nearly half have never compared car insurance rates at all. With the average premium in America being $1,847, drivers could pocket roughly $860 a year just by comparing rates, but they don't know the large savings they would see if they switched to a more affordable policy.

It's important to compare prices on a regular basis since insurance prices are rarely the same from one policy term to another. Even if you think you had the lowest quotes on Toyota FJ Cruiser insurance in Houston last year you can probably find a better rate now. Block out anything you think you know about car insurance because you're about to learn one of the best ways to find better coverage on Toyota FJ Cruiser insurance in Houston at a better price.

The fastest way that we advise to compare insurance rates from multiple companies utilizes the fact most of the larger companies participate in online systems to give free rates quotes. To begin a comparison, all you need to do is provide a small amount of information including the ages of drivers, how your vehicles are used, if your license is active, and the make and model of your vehicles. That information is sent automatically to many highly-rated insurers and you receive quotes very quickly.

To compare rates for your Toyota FJ Cruiser now, click here and see if a lower rate is available in Houston.

The following companies provide free quotes in Houston, TX. If multiple companies are listed, we suggest you visit several of them in order to find the lowest rates.

Toyota FJ Cruiser Insurance Rates in Houston, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
FJ Cruiser 2WD $358 $476 $388 $24 $116 $1,362 $114
FJ Cruiser 4WD $196 $252 $430 $26 $128 $1,032 $86
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Table data does not factor in specific garaging location which can raise or lower prices substantially.

Safe drivers pay less for auto insurance

The diagram below shows how violations and accident claims can drive up Toyota FJ Cruiser car insurance costs for different categories of driver ages. The premiums are based on a married female driver, comp and collision included, $250 deductibles, and no other discounts are factored in.

Deductible comparison

When comparing auto insurance rates, the most common question is at what level do you set your deductibles. The following tables show the rate difference when you buy lower versus higher policy deductibles. The first data set uses a $250 deductible and the second data table uses a $1,000 deductible.

Toyota FJ Cruiser insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
FJ Cruiser 2WD $332 $408 $382 $22 $114 $1,283 $107
FJ Cruiser 4WD $370 $408 $382 $22 $114 $1,321 $110
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Toyota FJ Cruiser insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
FJ Cruiser 2WD $206 $256 $382 $22 $114 $980 $82
FJ Cruiser 4WD $228 $256 $382 $22 $114 $1,002 $84
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Prices do not factor in vehicle location which can affect coverage prices noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost in the ballpark of $26 more each month or $312 every year than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 29 months between claims, you would come out ahead by going with a higher deductible.

Rate comparison of men versus women in Houston

The illustration below shows the difference between Toyota FJ Cruiser annual premium costs for male and female drivers. The price estimates are based on a clean driving record, no claims, comp and collision included, $100 deductibles, marital status is single, and no discounts are applied.

Why you need quality insurance for your Toyota vehicle

Despite the fact that car insurance is not cheap in Houston, car insurance is most likely required but also gives you several important benefits.

First, most states have mandatory insurance requirements which means state laws require specific limits of liability in order to drive the car. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you took out a loan on your FJ Cruiser, almost every bank will make it mandatory that you have full coverage to ensure the loan is repaid in case of a total loss. If coverage lapses or is cancelled, the bank may buy a policy for your Toyota at a much higher rate and require you to pay much more than you were paying before.

Third, insurance safeguards both your assets and your vehicle. Insurance will pay for medical bills for both you and anyone you injure as the result of an accident. Liability insurance also pays expenses related to your legal defense 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 and collision coverage will pay to repair the damage.

The benefits of insuring your FJ Cruiser definitely exceed the cost, particularly for liability claims. But the average driver in Texas is overpaying more than $800 each year so shop around each time the policy renews to help ensure money is not being wasted.

Can you really save if you switch?

Respected companies like Progressive, GEICO, Allstate and State Farm consistently run television and radio advertisements. They all try to convey promises that you can save if you switch to their company. How do they all lower your rates? This is the way they can do it.

Car insurance companies can use profiling for the driver that makes them money. For instance, a desirable insured might be between the ages of 30 and 50, carries full coverage, and has a high credit rating. Any person that fits those parameters will most likely get cheap rates and will save when they switch companies.

People who are not a match for those standards must pay more expensive rates with the end result being business going elsewhere. The ads state "drivers that switch" not "everyone who quotes" save that much when switching. That is how insurance companies can make claims like that. Different companies use different criteria so drivers must compare free Houston car insurance quotes often. It's not possible to predict which car insurance company will fit you best based on your risk profile.

Houston car insurance discounts

Companies offering auto insurance don't list all available discounts in a way that's easy to find, so the list below contains some of the more common as well as some of the hidden discounts you could be receiving when you buy Houston car insurance online.Save money with discounts

Please keep in mind that some credits don't apply to the entire policy premium. Some only reduce the price of certain insurance coverages like medical payments or collision. If you do the math and it seems like all those discounts means the company will pay you, companies don't profit that way.

If you would like to see a list of companies who offer free Toyota FJ Cruiser insurance quotes in Houston, click here.

When do I need to have guidance from an agent?

Some consumers just want to go talk to an agent and that is a personal choice. One of the best bonuses of getting online price quotes is you may find cheap auto insurance rates and still have a local agent.

Insurance agents in HoustonTo make it easy to find an agent, after completing this form (opens in new window), your insurance data is sent to local insurance agents in Houston who can give free rate quotes for your coverage. You don't have to contact any insurance agencies since price quotes are sent to you. You can get cheaper auto insurance rates AND a local agent. If you want to compare prices from a specific insurance company, you just need to visit that company's website and give them your coverage information.

Deciding on an insurer should include more criteria than just a cheap price. Here are some questions to ask:

How to choose the best car insurance agent in Houston

If you want to use a local agent, you should know the different types of agencies and how they work. Agents in Houston can be classified as either exclusive or independent.

Exclusive Auto Insurance Agencies

Agents in the exclusive channel normally can only provide a single company's rates like State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot give you multiple price quotes so you might not find the best rates. They are trained well in insurance sales which helps offset the inability to provide other markets. A lot of people use the same agent mostly because of the brand rather than having the cheapest rates.

Shown below are exclusive insurance agencies in Houston that can give you price quotes.

More insurance agents

Independent Auto Insurance Agents

Agents that choose to be independent are normally appointed by many insurers and that allows them to write policies through many companies depending on which coverage is best. If they find a cheaper price, they simply move your policy to a different company and you can keep the same agent.

When comparison shopping, it's a good idea to get insurance quotes from several independent insurance agents to ensure the widest selection of prices. Most can insure with smaller regional carriers that can offer cheaper rates than bigger companies.

The following are independent insurance agencies in Houston who can help you get rate quotes.

More insurance agents

Shop around and save

You just read many ideas to save on Toyota FJ Cruiser insurance in Houston. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your auto insurance rates. You may even discover the lowest priced car insurance comes from a lesser-known regional company.

Budget-conscious Toyota FJ Cruiser insurance is attainable both online and also from your neighborhood Houston agents, so you should be comparing quotes from both to have the best rate selection. Some insurance providers don't offer rates over the internet and usually these smaller companies work with independent agencies.

People leave their current company for a variety of reasons including unfair underwriting practices, high prices, delays in responding to claim requests and even high rates after DUI convictions. Regardless of your reason for switching companies, choosing a new company is easier than you think.

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