Do you need a better way to compare more competitive Toyota FJ Cruiser insurance in Nashville? Shopping for budget Nashville Toyota FJ Cruiser insurance quotes on the web can appear to be impossible for drivers that are relatively new to buying insurance on the internet. With such a large number of companies, how are drivers able to possibly compare every car insurance company to find the cheapest rates?
Unimaginable but true, most consumers have been with the same company for a minimum of four years, and just short of a majority have never compared car insurance rates at all. With the average premium in Tennessee being $1,376, drivers can cut their rates by roughly $500 a year just by shopping around, but they just don’t understand the large savings they would see if they just switched companies.
It’s important to compare premium rates occasionally because car insurance prices are variable and change quite frequently. Even if you think you had the best rates on Toyota FJ Cruiser insurance in Nashville a few years ago the chances are good that you can find a lower rate quote today. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the best methods to find better coverage on Toyota FJ Cruiser insurance in Nashville at a better price.
We hope to help educate you on the best way to quote coverages and how to save the most money. If you have insurance now, you stand a good chance to be able to find the best rates using the concepts covered in this article. But Tennessee vehicle owners must learn the way insurance companies market on the web and use it to your advantage.
When shopping for inexpensive Nashville auto insurance quotes, there are a couple of ways of comparing rate quotes from many different Tennessee insurance companies. The easiest way to compare Toyota FJ Cruiser insurance prices consists of obtaining rate quotes online.
Just keep in mind that getting more free quotes will enable you to find a lower rate. Not every company provides Nashville FJ Cruiser insurance quotes online, so it’s important to also get price estimates from those companies as well.
The companies shown below have been selected to offer price quotes in Nashville, TN. To get the best auto insurance in Nashville, we recommend you click on several of them to find the most affordable car insurance rates.
Auto insurance policy discounts you can’t miss
Companies offering auto insurance do not list every discount available in an easy-to-find place, so the list below details a few of the more common and also the lesser-known discounts that you can inquire about if you buy Nashville auto insurance online.
- Clubs and Organizations – Being a member of certain professional organizations may earn a discount when shopping for auto insurance.
- Drive Less and Save – Driving less could earn slightly better rates than normal.
- Multi-line Discount – Larger insurance companies have a discount if you purchase life insurance from them.
- Active Military Service – Being on active duty in the military could qualify you for better prices.
- Defensive Driver – Taking part in a driver safety class could cut 5% off your bill if you qualify.
- Full Payment Discount – If you can afford to pay the entire bill instead of making monthly payments you may reduce your total bill.
- Use Seat Belts – Drivers who require all vehicle occupants to buckle up before driving may be able to save a few bucks off the medical payments premium.
- Theft Deterrent – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and therefore earn up to a 10% discount.
- Early Signing – Some insurance companies give discounts for buying a policy prior to your current FJ Cruiser insurance policy expiration. You may see this discount when you get Nashville auto insurance quotes online.
A little note about advertised discounts, some credits don’t apply to all coverage premiums. Most only reduce individual premiums such as comprehensive or collision. So when it seems like you would end up receiving a 100% discount, it just doesn’t work that way.
The chart below illustrates the comparison of Toyota FJ Cruiser annual premium costs with and without discounts applied to the policy premium. The information is based on a male driver, a clean driving record, no claims, Tennessee state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, safe-driver, multi-policy, multi-car, and homeowner discounts applied.
A few companies that may have some of the discounts shown above include:
If you need lower rates, check with all the companies how many discounts you can get. Depending on the company, some discounts might not be offered in every state. If you would like to see a list of insurers who offer free Toyota FJ Cruiser insurance quotes in Tennessee, click here.
Rates and information analytics
The premium table shown next outlines estimates of coverage costs for Toyota FJ Cruiser models. Understanding how insurance policy premiums are calculated is important for you to make informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FJ Cruiser 2WD | $218 | $314 | $278 | $16 | $82 | $908 | $76 |
| FJ Cruiser 4WD | $244 | $314 | $278 | $16 | $82 | $934 | $78 |
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Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Price information does not factor in specific zip code location which can increase or decrease auto insurance rates considerably.
Physical damage deductible comparison
One common question asked by Nashville drivers is how high should your deductibles be. The following insurance rates can help you visualize the rate differences between high and low physical damage deductibles. The first set of rates uses a $250 deductible and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FJ Cruiser 2WD | $252 | $310 | $288 | $18 | $86 | $979 | $82 |
| FJ Cruiser 4WD | $280 | $310 | $288 | $18 | $86 | $1,007 | $84 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FJ Cruiser 2WD | $204 | $250 | $288 | $18 | $86 | $846 | $71 |
| FJ Cruiser 4WD | $228 | $250 | $288 | $18 | $86 | $870 | $73 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Tennessee minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Price estimates do not factor in garaging location in Nashville which can decrease or increase price quotes considerably.
Based on the data above, we can derive that using a $250 deductible costs about $11 more each month or $132 a year across all Toyota FJ Cruiser models than requesting the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to average at least 23 months between claim filings, you would probably save some money if you decide on a higher deductible.
The example below shows how different deductible levels and can change Toyota FJ Cruiser insurance costs for each age group. The costs are based on a married female driver, full physical damage coverage, and no other discounts are factored in.
Car insurance rates are higher with tickets and accidents
The diagram below illustrates how traffic citations and fender-benders increase Toyota FJ Cruiser insurance costs for different insured age categories. The costs are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.
Cost of full coverage in Nashville
The diagram below shows the comparison of Toyota FJ Cruiser insurance rates with liability coverage only compared to full coverage. The rates are based on no claims or violations, $250 deductibles, drivers are single, and no additional discounts are factored in.
Deciding between full coverage and liability only
There is no definitive formula to exclude physical damage coverage, but there is a general guideline. If the yearly cost for physical damage coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.
For example, let’s assume your Toyota FJ Cruiser claim settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $7,000 after you pay the deductible. If you are paying over $700 a year for full coverage, then it’s probably a good time to buy liability coverage only.
There are a few situations where removing full coverage is not recommended. If you have an outstanding loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not opt for liability only.
What if I want to buy from local Nashville insurance agents?
Certain consumers would prefer to sit down and talk to an agent and that is just fine! One of the benefits of getting free rate quotes online is you can get cheaper prices but also keep your business local. Buying insurance from local agents is important particularly in Nashville.
To help locate an agent, after submitting this simple form, the quote information is immediately sent to insurance agents in Nashville who can give free rate quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to even leave your home since rate quotes are delivered to your email. You can find better rates and an insurance agent to talk to. If you have a need to get a comparison quote for a specific company, you can always visit that company’s website to submit a rate quote request.
Compare rates from both independent and exclusive auto insurance agents
When finding a good Nashville insurance agent, there are two different types of agencies and how they operate. Nashville agents may be either independent agents or exclusive agents depending on their employer.
Independent Auto Insurance Agents
These agents are not limited to a single company so as a result can place your coverage with lots of companies and find the cheapest rate. To transfer your coverage to a different company, the agent simply finds a different carrier which makes it simple for you. If you are trying to find cheaper rates, we recommend you get several quotes from independent agents to get the most accurate price comparison. A lot of them also have access to small mutual carriers which can save you money.
Below are independent insurance agencies in Nashville that may be able to give free price quotes.
- Prince Insurance Agency, Inc.
1101 Kermit Dr #205 – Nashville, TN 37217 – (615) 823-6987 – View Map - Robins Insurance Agency, Inc.
30 Burton Hills Blvd #300 – Nashville, TN 37215 – (615) 665-9200 – View Map - Sturdivant Insurance
1400 Forrest Ave – Nashville, TN 37206 – (615) 943-4962 – View Map
Exclusive Insurance Agencies
Agents that elect to be exclusive can only write with one company and some examples include AAA, State Farm, Farmers Insurance, and Allstate. These agents are unable to provide rate quotes from other companies so always compare other rates. These agents are well trained in insurance sales which helps them sell on service rather than price. Some people will only buy insurance from these agents partially due to the prominence of the brand and strong financial ratings.
Below are Nashville exclusive insurance agencies that are able to give price quotes.
- Wally Knox – State Farm Insurance Agent
5110 Delaware Ave – Nashville, TN 37209 – (615) 297-3527 – View Map - Roy Arnold – State Farm Insurance Agent
2600 Lebanon Pike a – Nashville, TN 37214 – (615) 871-0663 – View Map - Barbara Stewart – State Farm Insurance Agent
3055 Lebanon Pike #2103 – Nashville, TN 37214 – (615) 391-5300 – View Map
Finding the right car insurance agent shouldn’t rely on just a cheap price. Any good agent in Nashville should know the answers to these questions.
- Is vehicle mileage a factor when determining depreciation for repairs?
- Has the agent ever had any license suspensions?
- How often do they review coverages?
- Does the agency have a current Errors and Omissions policy?
- Who are their largest clients?
- Will you work with the agent or an assistant?
Once you have reasonable responses to any questions you may have as well as offering an affordable quote, most likely you have located an insurance agency that can be relied on to provide auto insurance coverage.
Learn How to Lower Your Insurance Rates
A large part of saving on car insurance is knowing some of the things that come into play when calculating the price you pay for car insurance. If you have a feel for what positively or negatively impacts your premiums, this helps enable you to make changes that will entitle you to big savings.
The items below are some of the things used by companies to determine your prices.
- Raise deductibles and save – Deductibles for physical damage represent how much money you are required to spend if you file a covered claim. Physical damage protection, also known as collision and other-than-collision, covers damage that occurs to your car. Some examples of claims that would be covered would be a windshield broken by a bird, vandalism, and damage from wind. The higher the amount you have to pay, the lower your rates will be.
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Men drivers tend to cost more – Statistics have proven that men are more aggressive behind the wheel. This data doesn’t prove that males are worse at driving than females. Males and females get in fender benders at about the same rate, but the men cause more damage. Not only that, but men also get cited for more serious violations like DWI (DUI) or reckless driving. Male drivers age 16 to 19 generally have the highest accident percentage so it costs more to insure them.
The illustration below illustrates the difference between Toyota FJ Cruiser insurance rates for male and female drivers. The information is based on no accidents or driving violations, full coverage, $250 deductibles, marital status is single, and no discounts are applied to the premium.
- Do safer cars cost less to insure? – Cars with high safety ratings tend to be cheaper to insure. Vehicles built for safety have better occupant injury protection and fewer serious injuries means your insurance company pays less and more competitive rates for policyholders. If your Toyota FJ Cruiser has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.
- How many miles do you drive? – Driving more miles every year the higher your rate. The majority of insurers calculate prices based upon how much you drive. Autos left parked in the garage cost less to insure as compared to vehicles used primarily for driving to work. Incorrect rating for your FJ Cruiser can result in significantly higher rates. Verify your car insurance policy shows the correct driver usage, because it can save money.
- Insurance companies don’t like frequent insurance claims – If you are the type of insured that files lots of claims you can expect either policy cancellation or increased premiums. Auto insurance companies in Tennessee generally give the best rates to people who are claim-free. Your car insurance is intended for the bigger claims that can’t be paid out-of-pocket.
- Having a spouse can save you money – Being married may save some money on your policy. Marriage translates into being more mature than a single person and statistics prove drivers who are married file infrequent claims.
- Deter theft and pay less – Selecting a car model that has a built-in theft deterrent system can help bring down rates. Theft prevention features like OnStar, LoJack tracking, and tamper alarms help track and prevent your car from being stolen.
Why you need quality insurance for your Toyota FJ Cruiser
Even though it’s not necessarily cheap to insure a Toyota in Nashville, insuring your vehicle is required in Tennessee but it also protects you in many ways.
- Most states have minimum mandated liability insurance limits which means you are required to buy a specific level of liability insurance in order to drive the car. In Tennessee 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.
- If your Toyota has a lienholder, more than likely the lender will stipulate that you buy full coverage to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the bank may insure your Toyota at a more expensive rate and force you to reimburse them for the much more expensive policy.
- Car insurance protects both your vehicle and your assets. It will also provide coverage for medical bills for you, your passengers, and anyone else injured in an accident. Liability insurance will also pay for a defense attorney if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, your policy will pay to restore your vehicle to like-new condition.
The benefits of buying car insurance definitely exceed the cost, particularly if you ever have a claim. Unknowingly, the average driver is overpaying over $869 every year so it’s very important to do a rate comparison each time the policy renews to save money.
Tennessee auto insurance companies
Selecting the top insurance company can be rather challenging considering how many different companies there are to choose from in Tennessee. The information below could help you decide which providers to look at comparing rates with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Erie Insurance | 87 | 84 | 85 | 85% | A+ | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
What is YOUR best insurance company?
Budget-conscious Toyota FJ Cruiser insurance can be found from both online companies in addition to many Nashville insurance agents, and you should compare price quotes from both to have the best selection. A few companies may not provide online rate quotes and these smaller companies provide coverage only through independent insurance agents.
As you restructure your insurance plan, it’s very important that you do not buy less coverage just to save a little money. There are many occasions where an insured dropped full coverage only to find out that the few dollars in savings costed them thousands. Your aim should be to buy the best coverage you can find at the lowest possible cost, but do not sacrifice coverage to save money.
Throughout this article, we presented a lot of ways to compare Toyota FJ Cruiser insurance prices in Nashville. It’s most important to understand that the more quotes you get, the higher your chance of finding affordable Toyota FJ Cruiser insurance quotes. Consumers could even find that the lowest prices come from a small mutual company.
How to find the cheapest rates for Toyota FJ Cruiser insurance in Nashville
To save the most money, the best way to get cheaper Toyota FJ Cruiser insurance in Nashville is to do an annual price comparison from insurers who can sell car insurance in Tennessee.
- Get an understanding of policy coverages and the factors you can control to prevent high rates. Many factors that drive up the price like traffic tickets, fender benders, and poor credit history can be controlled by paying attention to minor details.
- Compare prices from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can provide rates from a single company like Progressive or State Farm, while agents who are independent can provide prices from multiple companies.
- Compare the new rate quotes to your existing coverage to see if switching to a new carrier will save money. If you find a better price, verify that coverage does not lapse between policies.
- Tell your current agent or company of your intent to cancel your existing policy. Submit a signed application and payment to the new company. Be sure to place your new proof of insurance paperwork along with your vehicle registration.
The key aspect of shopping around is to use the same physical damage deductibles and liability limits on every quote request and and to look at as many auto insurance providers as possible. This provides a fair price comparison and a complete selection of prices.
More tips and info about car insurance is located in the articles below:
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- What Car Insurance is Cheapest for a Ford Escape in Nashville? (FAQ)
- Who Has the Cheapest Nashville Car Insurance Quotes for Drivers with Bad Credit? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Chevrolet Silverado in Nashville? (FAQ)
- How Much are Auto Insurance Rates for Teenage Females in Nashville? (FAQ)
- Who Has Affordable Auto Insurance for Low Mileage Drivers in Nashville? (FAQ)
- Who Has Cheap Nashville Car Insurance Quotes for Drivers with a DUI? (FAQ)
- Who Has Cheap Car Insurance Rates for a Jeep Grand Cherokee in Nashville? (FAQ)
- What to do at the Scene of an Accident (Insurance Information Institute)
- Vehicle Safety Ratings (iihs.org)
- Safety Features for Your New Car (State Farm)