Lower Your 2004 Toyota Highlander Insurance Quotes

Trying to find better auto insurance rates for your Toyota Highlander? Having to pay for pricey Toyota Highlander insurance can dwindle your family’s budget and require stricter spending habits. Shopping your coverage around is a fast and free way to lower your bills every month.

There are many car insurance companies to buy insurance from, and although it’s a good thing to have a choice, having more auto insurance companies makes it harder to compare rates.

Affordable car insurance rates with discounts

Auto insurance companies don’t always list all possible discounts in a way that’s easy to find, so the following is a list of a few of the more well known as well as some of the hidden credits available to you.

  • Discounts for Federal Employees – Federal government employees could qualify for a slight premium decrease for Highlander insurance with select insurance companies.
  • Telematics Data – People who choose to allow driving data collection to look at driving patterns through the use of a telematics system like Allstate’s Drivewise might get better premium rates as long as the data is positive.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates for Highlander insurance than drivers with accident claims.
  • E-sign – A few larger companies may give you up to $50 for completing your application on the web.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems could see savings of 25 to 30%.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to use a seat belt could save 15% off the personal injury premium cost.
  • Low Mileage Discounts – Maintaining low annual mileage could earn slightly better premium rates than normal.

It’s important to understand that many deductions do not apply the the whole policy. A few only apply to specific coverage prices like collision or personal injury protection. So even though you would think all those discounts means the company will pay you, it’s just not the way it works.

Large car insurance companies and some of the premium reductions they offer are:

  • State Farm offers premium reductions for multiple autos, Drive Safe & Save, good driver, accident-free, Steer Clear safe driver discount, and passive restraint.
  • Progressive may offer discounts for continuous coverage, homeowner, online signing, multi-vehicle, online quote discount, and good student.
  • Travelers has savings for new car, multi-car, home ownership, early quote, good student, driver training, and continuous insurance.
  • American Family discounts include multi-vehicle, good student, air bags, TimeAway discount, accident-free, defensive driver, and Steer into Savings.
  • Liberty Mutual includes discounts for new graduate, new move discount, newly retired, multi-car, teen driver discount, newly married, and preferred payment discount.

When comparing rates, check with each company or agent how you can save money. A few discounts may not be offered in your area.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. For example, these questions may help you determine if your situation will benefit from professional help.

  • How much liability do I need to cover my assets?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Will my rates increase for filing one claim?
  • How can I get high-risk coverage after a DUI?
  • Does my 2004 Toyota Highlander qualify for pleasure use?
  • What companies insure drivers after a DUI or DWI?
  • Is a blown tire covered by insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Insurance coverage breakdown

Knowing the specifics of insurance can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are typical coverages found on most insurance policies.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like X-ray expenses, doctor visits, EMT expenses and surgery. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your Toyota Highlander.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Liability auto insurance

This provides protection from damage or injury you incur to people or other property. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as bail bonds, funeral expenses, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Collision insurance

This covers damage to your Highlander from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like scraping a guard rail, backing into a parked car and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from getting keyed, damage from flooding, fire damage, damage from a tornado or hurricane and hitting a deer. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Save your cold hard cash

In this article, we covered some good ideas how to get a better price on 2004 Toyota Highlander insurance. The key concept to understand is the more quotes you get, the higher the chance of saving money. You may even find the lowest premium rates come from some of the lesser-known companies. These companies may have significantly lower prices on certain market segments than the large multi-state companies such as Progressive and GEICO.

When searching for cheaper auto insurance quotes, never skimp on critical coverages to save a buck or two. In too many instances, an accident victim reduced collision coverage only to find out that they should have had better coverage. Your goal should be to buy enough coverage at the lowest possible cost but still have enough coverage for asset protection.

Cheaper 2004 Toyota Highlander insurance is attainable on the web in addition to many insurance agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who may not have the ability to get quotes online and most of the time these regional insurance providers sell through independent agencies.

More information

Comments About 2004 Toyota Highlander Insurance

  1. Jeramy Crosby

    Will Progressive raise rates for a small claim?

  2. Lynn Holman

    Can I get replacement cost coverage for a 2004 Toyota Highlander?

  3. Suzan Welch

    I got quite a few price quotes for a 2004 Toyota Highlander in Tacoma, Washington. Ended up at darn near $100 every six months with AIG Insurance. Good multi-policy discounts. It’s too old for full coverage.

  4. Daisy Garrett

    Is Allstate cheaper than Progressive in Des Moines, Iowa?

  5. Yolonda Malone

    Cheaper not always better. I’m in the suburbs of Missoula, Montana. I quoted with Allstate, Liberty Mutual, and Erie for my 2004 Toyota Highlander and saved $110 a year. Even increased coverage a bit.

  6. Petra Ross

    Well-written and thought out article. Proud to be from Juneau, AK. Got quotes from Western Auto Insurance, American Family, Hanover, and Sentry for my Toyota and am saving around $70 a year. Even increased my liability limits. I used their online quote form to compare rates.

  7. Nedra Knight

    Hope my car insurance gets cheaper. I’m in the east part of Anchorage, Alaska. I got free quotes from State Farm, Encompass, and GMAC for my Highlander and cut my rates about $110 a year. They were helpful in switching over.

  8. Lavelle Morales

    Cheap is relative. I’m in the suburbs of Owensboro, Kentucky. Got car insurance quotes from Allstate, American Family, and Esurance for my Highlander and saved $111 a year. Was with USAA. I have several vehicles insured with them.

  9. Gwyn Collins

    Nice post. I’m just south of South Burlington, VT. Went online for free insurance quotes for a 2004 Toyota Highlander. Ended up at about $80 savings annually. Went with Allstate. Not sure about claim service.

  10. Shellie Deleon

    Will Allstate raise rates for a small claim?

  11. Emerald Walsh

    Nice info. Proud to be from Providence, RI. Quoted with Auto-Owners, Esurance, and Mercury for my Toyota and saved just over $80 a year. Insured with Hartford before. I have kids on my policy, too. I don’t have comp or collision coverage.

  12. Larhonda Barlow

    All companies are crooks. From west side of Idaho Falls, Idaho. Quoted a bunch of companies. Saved roughly $20 a month. 21st Century was the cheapest for me. Got better coverage too. Still almost need a second mortgage.