It’s safe to assume that car insurance companies don’t want you comparing rates. Drivers who compare other prices will probably switch to a new company because there is a significant possibility of finding a lower-priced policy. A recent insurance study revealed that consumers who compared rates once a year saved over $72 a month compared to drivers who never shopped around for lower prices.
If finding the lowest price on auto insurance in Miami is the reason you’re reading this, then having an understanding of the best way to shop and compare insurance coverage can save time and make the process easier.
The recommended way to get budget car insurance rates in Miami is to do a yearly price comparison from insurance carriers in Florida.
Step 1: Get a basic knowledge of what coverages are included in your policy and the changes you can make to prevent expensive coverage. Many things that cause rate increases like traffic violations and an unfavorable credit rating can be improved by making small lifestyle or driving habit changes.
Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from a single company like Progressive or State Farm, while independent agents can provide rate quotes from multiple companies.
Step 3: Compare the new quotes to your existing rates to see if switching to a new carrier will save money. If you can save money and make a switch, make sure coverage is continuous and does not lapse.
An important part of this process is that you use similar deductibles and liability limits on each price quote and and to compare as many companies as feasibly possible. Doing this guarantees the most accurate price comparison and the best price selection.
How to buy Miami Toyota FJ Cruiser insurance online
Lowering your Toyota FJ Cruiser car insurance rates is a great way to save money. Drivers just need to take a couple of minutes comparing rates to discover which company has low cost Miami car insurance quotes.
It’s so fast and easy to compare rate quotes online that it makes it a waste of time to call or drive to all the different Miami insurance agencies. Quoting Toyota FJ Cruiser insurance online can eliminate the need for a local agent unless you have a complicated situation and need the professional assistance that only an agent can give. Drivers can price shop your coverage online and still use a local agent.
The auto insurance companies shown below are our best choices to provide free quotes in Florida. In order to find the cheapest car insurance in Miami, we suggest you click on several of them to get the cheapest price.
Rates and data analysis
The premium information displayed below highlights a range of insurance rates for Toyota FJ Cruiser models. Learning a little about how prices are established is important for drivers to make informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FJ Cruiser 2WD | $256 | $280 | $546 | $32 | $164 | $1,278 | $107 |
| FJ Cruiser 4WD | $286 | $280 | $546 | $32 | $164 | $1,308 | $109 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Table data does not factor in your specific Miami location which can influence premiums significantly.
Higher deductibles save money
One common question asked by Miami drivers is how high should the deductibles for physical damage be. The premium rates below may help you to understand how much more rates are when you select higher and lower coverage deductibles. The first set of prices uses a $250 physical damage coverage deductible and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FJ Cruiser 2WD | $364 | $446 | $418 | $24 | $124 | $1,401 | $117 |
| FJ Cruiser 4WD | $406 | $446 | $418 | $24 | $124 | $1,443 | $120 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FJ Cruiser 2WD | $224 | $280 | $418 | $24 | $124 | $1,070 | $89 |
| FJ Cruiser 4WD | $250 | $280 | $418 | $24 | $124 | $1,096 | $91 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rates do not factor in specific location which can affect coverage prices noticeably.
Based on this data, using a $250 deductible would cost the average driver about $29 more each month or $348 every year than quoting the higher $1,000 deductible. Because you would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at a minimum 26 months between claims, you would more than likely save some money if you opt for a higher deductible.
Safe drivers Miami pay cheaper rates
The information below demonstrates how citations and at-fault collisions raise Toyota FJ Cruiser auto insurance rates for different categories of driver ages. The price estimates are based on a married male driver, full coverage, $250 deductibles, and no discounts are applied.
Why do I need car insurance?
Even though it can be expensive, buying car insurance is not optional due to several reasons.
First, almost all states have minimum liability requirements which means you are required to carry specific limits of liability insurance coverage if you drive a vehicle. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a lien on your vehicle, most lenders will have a requirement that you buy insurance to guarantee payment of the loan. If you default on your policy, the bank or lender will purchase a policy for your Toyota at an extremely high rate and require you to pay for the expensive policy.
Third, insurance protects both your car and your personal assets. Insurance will also pay for most medical and hospital costs for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, will also pay to defend you if you cause an accident and are sued. If your Toyota gets damaged, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of insuring your car outweigh the cost, particularly for liability claims. Unknowingly, the average driver overpays as much as $850 per year so we recommend shopping around at every renewal to be sure current rates are still competitive.
Learn How to Lower Your Insurance Prices
A large part of saving on car insurance is knowing the rating factors that come into play when calculating your car insurance rates. If you have a feel for what positively or negatively impacts your premiums, this enables you to make decisions that could result in lower rates. Lots of things are part of the calculation when quoting car insurance. Some factors are common sense such as your driving record, but some are more transparent such as your credit history or how financially stable you are.
The factors shown below are some of the items used by insurance companies to determine your rate level.
- Why do you need liability insurance? – Your car insurance policy’s liability coverage provides coverage in the event that you are determined to be liable for damages caused by your negligence. Your policy’s liability insurance provides legal defense coverage to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so do not skimp.
- Incidental coverages you don’t need – There are a ton of extra bells and whistles that may not really be needed if you aren’t diligent. Coverages like roadside assistance, death and dismemberment, and term life insurance may not be needed and are just wasting money. They may seem like a good idea when you first buy your policy, but if they’re wasting money think about removing them and cutting costs.
- Prevent your car from being stolen – Buying a car with advanced anti-theft systems can help lower your rates. Theft deterrent systems such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft.
- Responsible credit saves on car insurance – Having a bad credit rating is a large factor in calculating your car insurance rates. So if your credit score leaves room for improvement, you could be paying less to insure your Toyota FJ Cruiser by repairing your credit. Drivers with high credit scores tend to file fewer claims and have better driving records as compared to drivers with poor credit.
- A coverage lapse can increase premiums – Not having insurance is illegal and as a result your rates will increase for letting your insurance lapse for non-payment. Not only will rates go up, failure to provide proof of insurance may result in a hefty fine and possibly a revoked license. You may need to file a SR-22 with the Florida motor vehicle department to get your license reinstated.
- Higher prices for specific employers – Did you know your car insurance rates can be affected by your occupation? Jobs like military generals, business owners, and financial analysts generally have the highest average rates due to job stress and long work hours. Conversely, professions such as farmers, historians and retirees have lower than average premiums.
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Age of drivers – Teen drivers in Florida are known to be more careless in a vehicle so they pay higher car insurance rates. Having to add a first-time driver onto your car insurance can be very expensive. Older people are shown to be more cautious, file fewer claims, and get fewer tickets.
The following data is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.
Companies offer many types of discounts on Toyota FJ Cruiser insurance in Miami
Some providers do not advertise all their discounts in a way that’s easy to find, so the below list has some of the more common and also the lesser-known credits available to you.
- Discount for Life Insurance – Some insurance carriers give a break if you buy a life insurance policy as well.
- Passive Restraints and Air Bags – Factory options such as air bags and/or automatic seat belt systems can receive discounts up to 30%.
- Club Memberships – Affiliation with qualifying employment or professional organizations could trigger savings on your policy.
- Good Students Pay Less – Getting good grades can earn a discount of 20% or more. This discount can apply until age 25.
- Senior Citizen Rates – Older drivers are able to get a small discount on rates.
- New Car Discount – Buying insurance coverage on a new vehicle can get you a discount since new vehicles are generally safer.
- Multi-Vehicle Discounts – Buying insurance for multiple cars or trucks on a single policy may reduce the rate for each vehicle.
- Discount for Multiple Policies – When you combine your auto and home insurance with the same company you will save over 10 percent off each policy depending on the company.
One last thing about discounts, most credits do not apply to all coverage premiums. A few only apply to individual premiums such as comprehensive or collision. So even though they make it sound like you could get a free insurance policy, you aren’t that lucky. But all discounts will definitely reduce your overall bill.
The information below compares Toyota FJ Cruiser car insurance costs with and without policy discounts. The data is based on a male driver, no claims or driving violations, Florida state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-policy, multi-car, marriage, and homeowner discounts applied.
A few of the larger companies and their possible discounts are shown below.
- State Farm may include discounts for Steer Clear safe driver discount, multiple policy, good driver, safe vehicle, and passive restraint.
- GEICO policyholders can earn discounts including air bags, seat belt use, good student, anti-lock brakes, anti-theft, and defensive driver.
- SAFECO offers discounts for teen safe driver, homeowner, teen safety rewards, safe driver, and multi-car.
- Farmers Insurance may have discounts that include switch companies, multi-car, youthful driver, early shopping, pay in full, distant student, and good student.
- AAA offers premium reductions for anti-theft, education and occupation, good student, pay-in-full, and multi-car.
- USAA offers discounts including multi-policy, defensive driver, vehicle storage, annual mileage, military installation, multi-vehicle, and new vehicle.
Before purchasing a policy, check with each company or agent which discounts you may be entitled to. Some credits might not be offered everywhere. If you would like to choose from a list of insurers who offer discounts in Florida, click this link.
Local neighborhood insurance agents
Many people prefer to get advice from a local agent and that is recommended in a lot of cases Insurance agents can help you build your policy and help file insurance claims. The biggest benefit of getting free rate quotes online is that you can obtain lower prices but still work with a licensed agent. Putting coverage with local agents is important particularly in Miami.
For easy comparison, once you complete this quick form, your insurance coverage information is transmitted to companies in Miami who want to provide quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to contact any agents since rate quotes are delivered to you directly. If you want to compare rates from a specific insurance provider, just visit that company’s website and complete a quote there.
If you prefer to buy insurance from a reliable agent, you should know the different types of agents and how they differ in how they can insure your vehicles. Agents may be either exclusive agents or independent agents. Either one can provide insurance policies, but it is a good idea to know the difference in how they write coverage since it may influence which agent you choose.
Independent Insurance Agencies or Brokers
Agents that elect to be independent are not limited to a single company so they can write business with an assortment of companies and find the cheapest rate. If they quote lower rates, the business is moved internally which is easy for the insured.
If you are comparing rate quotes, you definitely need to get some free quotes from several independent insurance agents in order to compare the most rates.
Shown below are Miami independent agents that may be able to give you price quote information.
Tadeo Insurance Agency, Inc.
9120 SW 40th St – Miami, FL 33165 – (305) 553-1760 – View Map
Sunshine Insurance Agency Inc
2595 SW 87th Ave – Miami, FL 33165 – (305) 559-7873 – View Map
Ekono Insurance Agency
11626 NE 2nd Ave – Miami, FL 33161 – (305) 757-6767 – View Map
Exclusive Insurance Agents
Exclusive agencies can only quote rates from one company such as Allstate and State Farm. They usually cannot provide other company’s prices so it’s a take it or leave it situation. Exclusive agencies are trained well on sales techniques which aids in selling service over price.
Listed below are exclusive agencies in Miami willing to provide comparison quotes.
Allstate Insurance: Ramon Balladares
2455 SW 27th Ave #210 – Miami, FL 33145 – (305) 859-8556 – View Map
Clark Alvarado – State Farm Insurance Agent
5209 NW 36th St – Miami Springs, FL 33166 – (305) 887-9543 – View Map
Rick Burke – State Farm Insurance Agent
2250 S Dixie Hwy Ste. 2 – Miami, FL 33133 – (305) 860-0616 – View Map
Finding the right insurance agent requires more thought than just the quoted price. Any good agent in Miami should know the answers to these questions.
- Where would glass claims be handled in Miami?
- Does the agent recommend any additional coverage?
- Which companies can they place coverage with?
- Are claims handled at the agent’s location?
- How much training do they have in personal risk management?
- Can you choose the body shop in case repairs are needed?
- Will you work with the agent or an assistant?
- Can they provide you with a list of referrals?
One last thing about your coverage
When getting Miami car insurance quotes online, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed liability coverage limits only to find out they didn’t have enough coverage. Your focus should be to buy enough coverage at an affordable rate while still protecting your assets.
Throughout this article, we presented many ideas to get a better price on Toyota FJ Cruiser insurance in Miami. It’s most important to understand that the more times you quote, the better likelihood of getting the cheapest Toyota FJ Cruiser rate quotes. Consumers could even find that the lowest priced insurance comes from an unexpected company. Regional companies may have significantly lower rates on certain market segments than the large multi-state companies such as Progressive or GEICO.
More articles
- Teen Driver Statistics (Insurance Information Institute)
- Who Has Affordable Car Insurance for Police Officers in Miami? (FAQ)
- Who Has the Cheapest Auto Insurance for Electric Cars in Miami? (FAQ)
- How Much is Car Insurance for Postal Workers in Miami? (FAQ)
- How Much are Auto Insurance Quotes with Multiple Speeding Tickets in Miami? (FAQ)
- How Much are Miami Car Insurance Quotes for Retired Military? (FAQ)
- Safe Vehicles for Teens (iihs.org)
- State Laws for Cellphones and Texting (iihs.org)
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- Property Damage Coverage (Liberty Mutual)