Save on Toyota FJ Cruiser Insurance in Columbus

If your goal is the lowest price, then the best way to find lower priced Toyota FJ Cruiser insurance in Columbus is to make a habit of regularly comparing prices from insurance carriers in Ohio. You can compare rates by following these guidelines.

An important note is to try to use similar limits and deductibles on each quote and and to get rate quotes from all possible companies. Doing this enables a fair price comparison and a thorough selection of prices.

Insurance quote for Toyota FJ Cruiser in ColumbusIt’s safe to assume that car insurance companies want to keep you from comparing prices. Consumers who shop around are very likely to switch companies because of the good chance of finding a lower-priced policy. A survey found that drivers who routinely shopped for cheaper coverage saved an average of $860 a year compared to drivers who don’t regularly compare prices.

If finding the cheapest price on Toyota FJ Cruiser insurance in Columbus is your intention, then understanding the best way to shop and compare coverages can make shopping around easier.

Companies offering competitive Toyota FJ Cruiser prices in Columbus, OH

The providers in the list below offer price comparisons in Ohio. If more than one company is shown, we recommend you visit two to three different companies to get a more complete price comparison.

Insurance statistics and figures

The information displayed below outlines a range of insurance premium costs for Toyota FJ Cruiser models. Learning how insurance policy premiums are determined helps drivers make informed coverage decisions.

Toyota FJ Cruiser Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
FJ Cruiser 2WD $180 $224 $234 $14 $70 $722 $60
FJ Cruiser 4WD $200 $224 $234 $14 $70 $742 $62
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Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Rate information does not factor in specific location information which can lower or raise auto insurance rates significantly.

The example below demonstrates how choosing different deductibles and can raise or lower Toyota FJ Cruiser annual premium costs for different age categories. The data is based on a married male driver, comprehensive and collision coverage, and no discounts are factored in.

Cost comparison with and without full coverage

The example below visualizes the comparison of Toyota FJ Cruiser car insurance rates with and without full coverage. The data assumes no accidents, no driving violations, $500 deductibles, single marital status, and no discounts are taken into consideration.

Guidelines for dropping full coverage

There is no set rule to stop paying for comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.

For example, let’s pretend your Toyota FJ Cruiser replacement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $6,000 after paying your deductible. If you are paying over $600 annually for full coverage, the it may be a good time to stop paying for full coverage.

There are some circumstances where only buying liability is not advised. If you haven’t paid off your loan, you have to keep full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not drop full coverage.

Verify you’re earning every discount

Companies offering auto insurance don’t always list every discount very clearly, so the below list has both the well known and the more hidden discounts you could be receiving when you buy Columbus auto insurance online.

Drivers should understand that most discounts do not apply to the entire cost. Most only cut the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, it’s just not the way it works.

The information below illustrates the difference between Toyota FJ Cruiser insurance rates with and without discounts applied to the premium. The premium estimates are based on a male driver, no claims or driving violations, Ohio 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 safe-driver, claim-free, multi-car, marriage, multi-policy, and homeowner discounts applied.

The best car insurance companies and a summarized list of policyholder discounts are detailed below.

Before purchasing a policy, check with each company how many discounts you can get. Some of the discounts discussed earlier may not be offered in your area.

Can’t I compare prices from local Columbus car insurance agents?

A lot of people prefer to buy from a licensed agent and that can be a great decision A nice benefit of comparing auto insurance online is the fact that you can find the lowest rates and also buy local.

Find insurance agent in ColumbusBy using this short form, your insurance coverage information is emailed to agents in your area who will give you bids to get your business. There is no reason to contact an agency since price quotes are sent instantly to you. You’ll get the best rates without a big time investment. If you wish to get a rate quote for a specific company, don’t hesitate to navigate to their website and submit a quote form there.

Finding the right provider should depend on more than just the bottom line cost. The answers to these questions are important, too.

If you’re trying to find a local Columbus insurance agency, there are two types of agencies and how they operate. Auto insurance agents can be described as either exclusive or independent (non-exclusive).

Exclusive Agencies

Agents that choose to be exclusive can only quote rates from one company such as Allstate, Farmers Insurance or State Farm. Exclusive agents are unable to provide rate quotes from other companies so they are skilled at selling on more than just price. These agents are well schooled on the products they sell which helps overcome the inability to quote other rates.

Below are exclusive insurance agents in Columbus that can give you price quotes.

1500 S Hamilton RdColumbus, OH 43227(614) 864-1050View Map

2648 Billingsley RdColumbus, OH 43235(614) 889-1156View Map

7846 Olentangy River RdColumbus, OH 43235(614) 846-2886View Map

View more Columbus agents

Independent Agencies or Brokers

Agents that choose to be independent often have affiliation with several companies so they can write business with an assortment of companies and possibly get better coverage at lower prices. To move your coverage to a new company, your agent can switch companies and you won’t have to switch agencies. If you need cheaper auto insurance rates, you will definitely want to compare quotes from several independent insurance agents so that you have a good selection of quotes to compare.

Shown below are Columbus independent agents willing to provide price quote information.

5214 Bethel Center MallColumbus, OH 43220(614) 538-2944View Map

1205 Hill Rd NPickerington, OH 43147(614) 861-3100View Map

891 S James RdColumbus, OH 43227(614) 235-2815View Map

View more Columbus agents

More comparisons equals affordable rates

When you buy Columbus auto insurance online, do not buy poor coverage just to save money. In many instances, someone dropped collision coverage only to discover later that it was a big error on their part. The aim is to find the BEST coverage at the best possible price, but do not skimp to save money.

Some insurance companies may not offer price quotes online and most of the time these small, regional companies provide coverage only through independent insurance agencies. Budget-conscious Toyota FJ Cruiser insurance can be purchased from both online companies in addition to local insurance agencies, and you should compare price quotes from both to have the best chance of lowering rates.

We just presented some good ideas how you can find cheap Toyota FJ Cruiser insurance in Columbus. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may even be surprised to find that the lowest priced car insurance comes from a small local company. Some small companies may often insure only within specific states and give better rates compared to the large companies like Progressive and GEICO.

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