Did a good deal turn into overpriced Toyota FJ Cruiser insurance in Columbia? You're in good company because there are lots of Columbia residents who feel the same.

Discount Toyota FJ Cruiser insuranceAmazingly, a recent NerdWallet.com study showed that most car insurance policyholders kept buying from the same company for four years or more, and nearly the majority have never compared quotes from other companies. Columbia consumers could save nearly $750 a year by just shopping around, but they just assume it's a time-consuming process to find cheaper insurance by shopping around.

Big-name insurance companies like GEICO, Progressive and Allstate persitently shower you with ad campaigns and it can be hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

Consumers need to get comparison quotes occasionally because car insurance prices change frequently. Even if you got the best price on Toyota FJ Cruiser insurance in Columbia a few years ago the chances are good that you can find a lower rate today. There is a lot of bad advice regarding FJ Cruiser insurance on the internet, but I'm going to show you the easiest ways to find affordable car insurance in Columbia.

Low-cost Toyota insurance rate quotes in Columbia

The companies shown below are our best choices to provide quotes in Columbia, SC. If multiple providers are shown, it's highly recommended you get rate quotes from several of them to find the most competitive auto insurance rates.

Toyota FJ Cruiser Insurance Cost Estimates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
FJ Cruiser 2WD $234 $288 $348 $20 $104 $994 $83
FJ Cruiser 4WD $420 $436 $448 $26 $134 $1,464 $122
Get Your Own Custom Quote Go

Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and South Carolina minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Premium amounts do not factor in the specific area where the vehicle is garaged which can revise price quotes noticeably.

Premiums by gender and age

The diagram below illustrates the difference between Toyota FJ Cruiser car insurance costs for male and female drivers. The premium estimates are based on no violations or accidents, full physical damage coverage, $1,000 deductibles, drivers are single, and no policy discounts are applied.

Physical damage deductibles: Should you raise them?

One common question asked by Columbia drivers is what deductibles to buy. The rates shown below highlight the difference in cost when you buy lower versus higher coverage deductibles. The first price estimate table uses a $100 deductible for physical damage and the second set of prices uses a $1,000 deductible.

Toyota FJ Cruiser insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
FJ Cruiser 2WD $332 $436 $342 $20 $102 $1,257 $105
FJ Cruiser 4WD $370 $436 $342 $20 $102 $1,295 $108
Get Your Own Custom Quote Go
Toyota FJ Cruiser insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
FJ Cruiser 2WD $184 $230 $342 $20 $102 $878 $73
FJ Cruiser 4WD $204 $230 $342 $20 $102 $898 $75
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Prices do not factor in your specific Columbia location which can increase or decrease rates considerably.

We can estimate from the data above that using a $100 deductible will cost you approximately $33 more each month or $396 every year than requesting the higher $1,000 deductible. Because you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you go at least 27 months between claims, you would more than likely save some money if you choose the higher deductible.

Determine discounts on Columbia car insurance

Some insurers do not advertise every possible discount very clearly, so the list below gives a summary of a few of the more common as well as some of the hidden credits that you can use to lower your rates.

Please keep in mind that most of the big mark downs will not be given to your bottom line cost. A few only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, insurance companies wouldn't stay in business.

To locate providers that provide some of the discounts listed above in South Carolina, follow this link.

When in doubt talk to an agent

When it comes to the best insurance coverage for your personal vehicles, there is no best way to insure your cars. Every insured's situation is different and your insurance should unique, too. Here are some questions about coverages that might point out whether your personal situation would benefit from an agent's advice.

If it's difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area.

Local Columbia auto insurance agents

Many drivers would rather have an agent's advice and that is OK! The biggest benefit of price shopping on the web is you can get the best rates and still have an agent to talk to. Supporting local agents is especially important in Columbia.

Find insurance agent in ColumbiaOnce you complete this quick form, your insurance coverage information is immediately sent to local insurance agents in Columbia that can provide free Columbia auto insurance quotes for your car insurance coverage. It's much easier because you don't need to do any legwork since price quotes are sent to you directly. You can most likely find cheaper rates and a licensed agent to talk to. If you have a need to quote rates for a specific company, you can always navigate to their website and complete a quote there.

Two types of Columbia auto insurance agents

If you are wanting to purchase car insurance from a reputable agency, you must know there are a couple types of agencies and how they operate. Car insurance agencies are either independent or exclusive depending on the company they work for.

Independent Agents

Agents in the independent channel do not sell for just one brand so they can write business with lots of companies and find you the best rates. To transfer your coverage to a different company, the business is moved internally and you can keep the same agent.

When comparing rate quotes, you should always include price quotes from several independent insurance agents for maximum quote selection.

Featured below is a list of independent agents in Columbia that can possibly get you price quote information.

1700 Laurel St - Columbia, SC 29201 - (803) 799-9979 - View Map

1320 Elmwood Ave - Columbia, SC 29201 - (803) 779-7854 - View Map

607 Meeting St - West Columbia, SC 29169 - (803) 387-0712 - View Map

View more Columbia agents

Exclusive Car Insurance Agents

These agents can only provide one company's prices and examples are American Family, State Farm, and AAA. These agents are unable to compare other company's rates so they have to upsell other benefits. Exclusive agencies are very knowledgeable on their company's products which helps them sell on service rather than price.

Shown below are Columbia exclusive insurance agencies willing to provide rate quotes.

3206 Millwood Ave - Columbia, SC 29205 - (803) 212-7000 - View Map

1700 Decker Blvd d - Columbia, SC 29206 - (803) 782-1104 - View Map

452 W Killian Rd d - Columbia, SC 29203 - (803) 764-6779 - View Map

View more Columbia agents

Deciding on a car insurance agent should depend on more than just the bottom line cost. Before buying a policy in Columbia, get answers to these questions.

After getting acceptable answers to any questions you have and low cost Toyota FJ Cruiser insurance quotes, you may have found an insurance agency that can service your policy.

Information about specific coverages

Learning about specific coverages of auto insurance aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you'll find the normal coverages found on the average auto insurance policy.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as dental work, ambulance fees and chiropractic care. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision insurance

Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like colliding with another moving vehicle, colliding with a tree and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible on your FJ Cruiser to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your Toyota FJ Cruiser.

Since many South Carolina drivers only purchase the least amount of liability that is required (25/50/25 in South Carolina), it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Normally these limits do not exceed the liability coverage limits.

Auto liability insurance

This coverage can cover damage or injury you incur to a person or their property in an accident. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like emergency aid, attorney fees and repair costs for stationary objects. How much coverage you buy is up to you, but consider buying higher limits if possible. South Carolina requires drivers to carry at least 25/50/25 but drivers should carry better liability coverage.

Comprehensive insurance

This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, theft and hitting a deer. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Do the work, save more money

Budget-friendly insurance in Columbia can be purchased from both online companies as well as from insurance agents, and you need to comparison shop both so you have a total pricing picture. Some companies do not offer internet price quotes and these regional insurance providers only sell coverage through independent insurance agents.

As you shop your coverage around, don't be tempted to sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced comprehensive coverage or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy enough coverage for the lowest cost, not the least amount of coverage.

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