Save Money on Toyota FJ Cruiser Insurance in Henderson

Discount Toyota FJ Cruiser insuranceWould you like to stop wasting money and find low-cost Toyota FJ Cruiser insurance in Henderson? Are you irritated from scraping nickels together to pay high insurance rates every month? You’re in the same situation as many other Nevada drivers.

Sadly, nearly 70% of customers kept their policy with the same company for well over three years, and virtually 40% of consumers have never even shopped around for affordable coverage. With the average insurance premium being $1,620, Nevada drivers can cut their rates by approximately 35% a year, but they don’t believe how much they could save if they changed companies. Having so many companies and agents to choose from, it can be difficult for drivers to find the cheapest insurance company.

The intent of this article is to introduce you to the best way to quote coverages and also save some money in the process If you have a current auto insurance policy, you will surely be able to lower your rates using these methods. Shoppers just have to learn the best way to compare prices on the web.

Getting a cheap price on insurance doesn’t have to be difficult. Just take time to compare rate quotes online from several insurance companies.

Getting rates online is very simple and it makes it a waste of time to spend time driving to and from local Henderson insurance agencies. Comparing online rate quotes eliminates the middleman unless you prefer the professional advice of a licensed agent. It is possible with some companies compare online quotes but buy the policy through an agent.

The companies shown below are ready to provide comparison quotes in Nevada. If multiple companies are listed, we suggest you visit as many as you can to get a more complete price comparison.

Discounts can help lower premiums on Toyota FJ Cruiser insurance in Henderson

Insurance can be pricey, but you may qualify for discounts that can dramatically reduce your bill. Some discounts will apply when you get a quote, but a few must be requested specifically before they will apply.Save money with discounts

Just know that most credits do not apply to your bottom line cost. Most only cut specific coverage prices like liability, collision or medical payments. Even though the math looks like it’s possible to get free car insurance, companies wouldn’t make money that way.

The example below compares Toyota FJ Cruiser auto insurance rates with and without discounts applied to the premium. The data is based on a male driver, no claims or driving citations, Nevada 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 multi-policy, safe-driver, homeowner, marriage, claim-free, and multi-car discounts applied.

Companies that may offer policyholders some of the above discounts include:

When comparing rates, check with each insurance company what discounts are available to you. Depending on the company, some discounts may not apply to policies in your area. If you would like to choose from a list of companies that provide some of the discounts listed above in Henderson, click this link.

Coverage statistics and figures

The premium information below covers estimates of insurance coverage prices for Toyota FJ Cruiser models. Having a better understanding of how insurance prices are established can help you make decisions on which coverage to buy.


Toyota FJ Cruiser Insurance Rates in Henderson, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
FJ Cruiser 2WD $166 $208 $308 $18 $92 $792 $66
FJ Cruiser 4WD $184 $208 $308 $18 $92 $810 $68
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Estimates do not factor in specific location which can decrease or increase rates significantly.

Physical damage deductibles: Should you raise them?

When comparing insurance rates, the most common question is how high should the deductibles for physical damage be. The rates shown below may aid in understanding how much more you’ll pay when you choose different comp and collision deductibles. The first set of prices uses a $250 physical damage deductible and the second rate chart uses a $500 deductible.


Toyota FJ Cruiser insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
FJ Cruiser 2WD $268 $330 $308 $18 $92 $1,041 $87
FJ Cruiser 4WD $300 $330 $308 $18 $92 $1,073 $89
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Toyota FJ Cruiser insurance policy rates with $500 deductibles
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
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Rates do not factor in garaging location in Henderson which can revise premiums significantly.

Using the premium rates above, we can conclude that using a $250 deductible would cost the average driver about $12 more each month or $144 for a full year averaged for all FJ Cruiser models than quoting the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you average more than 21 months between claims, you would save money if you opt for a higher deductible.

Calculate savings of higher deductibles

Average monthly premium for $250 deductibles: $88
Average monthly premium for $500 deductibles (subtract): – $76
Monthly savings from raising deductible: $12
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $12
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

The information below demonstrates how deductible levels and can change Toyota FJ Cruiser annual premium costs for different age categories. The data assumes a single male driver, full physical damage coverage, and no policy discounts are applied.

Decisions You Make Can Impact Your Insurance Rates

Smart consumers have a good feel for some of the factors that go into determining the rates you pay for insurance. When consumers understand what influences your rates, this enables you to make decisions that may reward you with lower premium levels.

The factors shown below are some of the most rate-impacting factors that factor into your rate level.