It’s safe to conclude that insurance companies don’t want you shop around. Drivers who compare price quotes are highly likely to move their business because there is a significant possibility of finding a cheaper policy. A recent study showed that consumers who regularly compared price quotes saved about $850 each year compared to other drivers who never shopped around for lower prices.
If finding the most affordable Toyota FJ Cruiser insurance is why you’re reading this, then having a grasp of how to compare coverage rates can help you succeed in finding affordable rates.
The best way we recommend to find low-cost prices for Toyota FJ Cruiser insurance is to regularly compare prices from insurance carriers in Aurora. Price quotes can be compared by following these guidelines.
- Spend some time learning about the coverage provided by your policy and the things you can control to keep rates in check. Many factors that result in higher prices like traffic violations and a less-than-favorable credit history can be remedied by improving your driving habits or financial responsibility.
- Compare rates from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from one company like GEICO and Allstate, while independent agents can provide rate quotes for a wide range of insurance providers.
- Compare the quotes to your current policy premium and determine if cheaper FJ Cruiser coverage is available in Aurora. If you can save money and change companies, make sure there is no lapse in coverage.
One thing to remember is that you’ll want to make sure you compare the same liability limits and deductibles on every quote and and to get rates from as many auto insurance providers as possible. Doing this ensures the most accurate price comparison and the best price quote selection.
If you have a policy now or need new coverage, use these money-saving tips to get lower rates and possibly find even better coverage. Buying the cheapest auto insurance in Aurora is actually quite easy if you know where to start. Drivers only need an understanding of the best way to get comparison quotes on the web.
Toyota FJ Cruiser insurance quotes comparison
Most larger insurance companies such as GEICO, State Farm and Progressive make it easy to get prices for coverage directly from their websites. Comparing prices online for Toyota FJ Cruiser insurance in Aurora is quite simple as you just type in your required coverages as requested by the quote form. Behind the scenes, their quoting system pulls information on your driving record and credit history and quotes a price. The ability to get online price quotes for Toyota FJ Cruiser insurance in Aurora makes it a lot easier to compare rates and it’s also necessary to compare as many rates as possible in order to find the lowest possible payments on auto insurance.
To save time and compare rates now, compare rate quotes from the providers shown below. If you currently have coverage, we recommend you complete the form with the coverages just like they are on your policy. This guarantees you’re receiving comparison quotes for similar coverage.
The companies in the list below are ready to provide quotes in Colorado. If multiple companies are listed, it’s highly recommended you visit as many as you can to get a more complete price comparison.
Why do I need car insurance?
Despite the fact that car insurance is not cheap in Aurora, maintaining insurance serves a purpose in several ways.
First, most states have minimum liability requirements which means you are required to carry specific limits of liability protection if you drive a vehicle. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
Second, if you have a loan on your FJ Cruiser, almost every bank will make it a condition of the loan that you buy insurance to guarantee payment of the loan. If you let the policy lapse, the lender may have to buy a policy to insure your Toyota at an extremely high rate and require you to pay much more than you were paying before.
Third, car insurance preserves your car and your assets. It will also reimburse you for medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to repair the damage.
The benefits of buying enough insurance are definitely more than the cost, particularly for liability claims. The average driver in Colorado overpays more than $865 each year so compare quotes from several companies at every policy renewal to help ensure money is not being wasted.
Toyota FJ Cruiser insurance coverage information
The rate information shown below covers a range of insurance coverage prices for Toyota FJ Cruiser models. Having a better idea how rates are formulated can assist in making decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FJ Cruiser 2WD | $214 | $298 | $368 | $22 | $110 | $1,012 | $84 |
| FJ Cruiser 4WD | $238 | $298 | $368 | $22 | $110 | $1,036 | $86 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Premium amounts do not factor in Aurora location which can revise premiums noticeably.
Males versus Females
The information below illustrates the comparison of Toyota FJ Cruiser yearly insurance costs for male and female drivers. The data assumes no claims, a clean driving record, full coverage, $100 deductibles, drivers are not married, and no additional discounts are factored in.
Does full coverage make sense?
The example below shows the comparison of Toyota FJ Cruiser insurance costs with full physical damage coverage and with liability coverage only. The information is based on no claims or violations, $500 deductibles, single marital status, and no discounts are applied.
Are you wasting money paying for full coverage?
There is no clear-cut rule that works best for making the decision to drop physical damage coverage, but there is a guideline you can use. If the annual cost of having full coverage is 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.
For example, let’s pretend your Toyota FJ Cruiser replacement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $3,000 after the deductible is paid. If you are paying in excess of $300 a year for physical damage coverage, then it might be time to consider dropping full coverage.
There are some conditions where eliminating full coverage is not a good plan. If you haven’t paid off your loan, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not remove full coverage.
Get cheaper Toyota FJ Cruiser insurance in Aurora with discounts
Insuring your vehicles can cost a lot, but you may be missing some discounts to cut the cost considerably. Many of these discounts will be applied automatically when you complete an application, but lesser-known reductions have to be inquired about before you get the savings. If you check and find you aren’t receiving every discount you qualify for, you could be paying more than you need to.
- Discount for Multiple Policies – If you combine your auto and home policies and place coverage with the same company you could get a discount of approximately 10% to 15%.
- Paper-free Discount – A few larger online companies will give you a small discount shop Aurora auto insurance on the internet.
- Distant Student – Youth drivers who are enrolled in a college that is more than 100 miles from Aurora and do not take a car to college could get you a discount.
- Save over 55 – If you qualify as a senior citizen, you may receive a small decrease in premiums.
- Discounts for Federal Employees – Having worked for a branch of the government may qualify for a discount when you quote Aurora auto insurance with select insurance companies.
- Drive Safe and Save – Insureds without accidents can save as much as half off their rates compared to rates paid by drivers with frequent claims.
Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the entire cost. A few only apply to individual premiums such as comp or med pay. Despite the appearance that you can get free auto insurance, it doesn’t quite work that way.
The chart below compares Toyota FJ Cruiser premium costs with and without some available policy discounts. The data assumes a female driver, no accidents or driving violations, Colorado state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, marriage, multi-policy, homeowner, and safe-driver discounts applied.
A few companies that have these money-saving discounts include:
When getting free Aurora auto insurance quotes, it’s a good idea to each company or agent how you can save money. Some of the earlier mentioned discounts might not be offered in Aurora. To find insurance companies with significant discounts in Colorado, click this link.
Compare rates but still have a local Aurora insurance agency
Many people just want to buy from a local agent and that is recommended in a lot of cases Experienced insurance agents can help you choose the best coverages and help in the event of a claim. One of the benefits of getting online price quotes is that you can find lower rates and still have an agent to talk to.
Upon completion of this form (opens in new window), your information is transmitted to local insurance agents in Aurora that give free quotes for your coverage. There is no reason to leave your house since rate quotes are delivered to you instantly. If you have a need to compare rates from a specific car insurance provider, you just need to jump over to their website to submit a rate quote request.
Selecting an provider shouldn’t rely on just a low price. A good agent in Aurora will have answers to these questions.
- Which companies do they recommend if they are an independent agency?
- What kind of financial rating does the company have?
- What will you get paid if your car is a total loss? How is that amount determined?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Do they have designations such as AIC, CPCU, or CIC?
- Is the agent and/or agency licensed to do business in Colorado?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
Compare rates from both independent and exclusive auto insurance agents
If you want a local Aurora insurance agent, there are two different types of agencies to choose from. Aurora agents are classified as either exclusive or independent (non-exclusive). Both provide car insurance policies, but it’s worth learning the difference in how they write coverage because it may have an impact on buying decisions.
Exclusive Agencies
Agents that choose to be exclusive have only one company to place business with and some examples include Farmers Insurance or State Farm. They usually cannot provide rate quotes from other companies so they have no alternatives for high prices. They are trained well on their products and sales techniques and that enables them to sell even at higher rates.
Shown below is a list of exclusive insurance agencies in Aurora that are able to give price quote information.
American Family Insurance – Richard Ahrenkiel
2260 S Xanadu Way Ste 257 – Aurora, CO 80014 – (303) 750-6508 – View Map
Stan Kellogg – State Farm Insurance Agent
15434 E Orchard Rd – Aurora, CO 80016 – (303) 699-2288 – View Map
American Family Insurance – Rob Owens
20941 E Smoky Hill Rd Unit G – Aurora, CO 80015 – (303) 693-8877 – View Map
Independent Agents (or Brokers)
Independent agencies are normally appointed by many insurers so as a result can place your coverage with many different companies depending on which coverage is best. If you want to switch companies, they simply switch companies in-house and the insured can keep the same agent. If you are comparing rate quotes, we highly recommend that you compare quotes from multiple independent agents to have the most options to choose from.
Listed below are Aurora independent insurance agents willing to provide price quote information.
Dickson Insurance Agency
4093 S Olathe Ct – Aurora, CO 80013 – (303) 693-1936 – View Map
Colorado Insurance Professionals, Inc.
13693 E Iliff Ave – Aurora, CO 80014 – (303) 755-8600 – View Map
A Complete Home and Auto Insurance Agency
1080 S Sable Blvd – Aurora, CO 80012 – (303) 344-2886 – View Map
You may need specialized auto insurance coverage
When quoting and choosing insurance from an agent or online for your vehicles, there really is no cookie cutter policy. Everyone’s situation is unique and your policy should reflect that.
For instance, these questions might point out if you might need an agent’s assistance.
- Should I pay a claim out-of-pocket?
- Will I lose any money if I cancel my policy before it expires?
- Is my vehicle covered by my employer’s policy when using it for work?
- I have a DUI can I still get coverage?
- Does my insurance cover damage caused when ticketed for reckless driving?
- How much cheaper are high deductibles?
- Do I need to file an SR-22 for a DUI in Colorado?
- Is a blown tire covered by insurance?
- Do I pay less if my vehicle is kept in my garage?
- Can my teen drive my company car?
If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.
Best auto insurance in Aurora
Buying coverage from a highly-rated insurance company can be challenging considering how many choices you have in Aurora. The information below may help you choose which insurers to look at when looking for cheaper rates.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Cheap coverage is out there
We just presented a lot of tips how to get a better price on Toyota FJ Cruiser insurance in Aurora. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even discover the best car insurance rates are with a smaller regional carrier. Some small companies may often insure only within specific states and give better rates than their larger competitors like State Farm, GEICO and Nationwide.
Lower-priced insurance in Aurora can be sourced online in addition to local insurance agencies, and you should compare rates from both to have the best rate selection. Some insurance companies may not have online price quotes and these regional insurance providers only sell through independent insurance agents.
For more information, feel free to browse the following helpful articles:
- All About Airbag Safety (State Farm)
- How Much is Auto Insurance After a Speeding Ticket in Aurora? (FAQ)
- Who Has Affordable Aurora Auto Insurance for a Ford F-150? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Government Employees in Aurora? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Infrequent Drivers in Aurora? (FAQ)
- What Insurance is Cheapest for a Hyundai Elantra in Aurora? (FAQ)
- Who Has Affordable Aurora Auto Insurance for Electric Cars? (FAQ)
- How Much is Aurora Auto Insurance for Hybrid Vehicles? (FAQ)
- Winter Driving (Insurance Information Institute)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- Safety Features for Your New Car (State Farm)