View 2007 Toyota Highlander Hybrid Car Insurance Quotes

Sick and tired of sacrificing other expenses to pay high insurance rates every month? You are in the same boat as millions of other consumers.

Multiple car insurance companies compete for your business, and because of this it can be hard to compare insurance companies and get the definite lowest rate possible.

Take policy discounts and save

Some companies don’t necessarily list every discount they offer in an easy-to-find place, so the list below contains a few of the more well known in addition to some of the lesser obvious credits available to you.

  • No Claims – Insureds with no claims or accidents can save substantially compared to accident-prone drivers.
  • Paperwork-free – A handful of larger companies will give a small break simply for signing online.
  • Discount for Good Grades – This discount may save as much as 25% on a insurance coverage quote. The good student discount can last well after school through age 25.
  • Multi-line Discount – If the company offers life insurance, you could get a discounted price on car insurance if you buy a life policy as well.
  • Theft Prevention Discount – Vehicles equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your insurance coverage quote.
  • Discount for Swiching Early – Some insurance companies give discounts for buying a new policy before your current expiration date. It could save around 10% when you buy insurance coverage online.
  • Student in College – Kids who are enrolled in a college that is more than 100 miles from home and leave their car at home may qualify for this discount.
  • Discount for Passive Restraints – Vehicles equipped with air bags may qualify for discounts up to 30%.
  • Student Discount for Driver Training – It’s a good idea to have your young drivers complete a driver education course in school.
  • Use Seat Belts – Drivers who require all vehicle occupants to buckle up before driving can save up to 15% off the personal injury premium cost.

Remember that most credits do not apply to the entire cost. Most cut individual premiums such as comp or med pay. So when it seems like you can get free auto insurance, you aren’t that lucky. Any qualifying discounts will cut your overall bill.

To choose providers that provide some of the discounts listed above, click here.

Which policy gives me the best coverage?

When it comes to buying coverage, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions might help in determining whether your personal situation may require specific advice.

  • How high should deductibles be on a 2007 Toyota Highlander Hybrid?
  • Which companies will insure high-risk drivers?
  • Do I have coverage for damage caused while driving under the influence?
  • Where can I find DUI or SR-22 insurance?
  • Is a blown tire covered by insurance?
  • When should I not file a claim?
  • When should I remove comp and collision on my 2007 Toyota Highlander Hybrid?
  • How do I insure my teen driver?
  • Do I have coverage if my license is suspended?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Car insurance advertising gotchas

State Farm, Allstate and GEICO regularly use ads in print and on television. All the ads say the same thing that drivers will save a bundle if you switch your car insurance coverage to their company. How is it plausible that every one can cost less than your current company? This is the trick they use.

All the different companies have underwriting criteria for the driver they prefer to insure. For example, this type of risk profile should be over the age of 45, has few claims, and has excellent credit. A driver who meets those qualifications will most likely get cheap premium rates and as a result will probably cut their rates substantially.

Potential insureds who do not match these stringent criteria will get a more expensive rate which translates to business not being written. The ads state “people who switch” but not “everyone who gets a quote” save money. That is how insurance companies can confidently advertise the way they do. Because every company is different, you need to get insurance coverage quotes from several different companies. It’s not possible to predict which car insurance company will fit you best based on your risk profile.

Auto insurance coverage breakdown

Learning about specific coverages of your policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages offered by auto insurance companies.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for bills for rehabilitation expenses, chiropractic care, EMT expenses, dental work and doctor visits. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as fire damage, damage from flooding, hitting a deer, falling objects and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Toyota Highlander Hybrid.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Liability coverage

This provides protection from injuries or damage you cause to people or other property. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as loss of income, emergency aid and repair costs for stationary objects. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Collision protection

Collision insurance covers damage to your Highlander Hybrid from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as driving through your garage door, colliding with another moving vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Do the work, save more money

In this article, we presented a lot of ways to shop for 2007 Toyota Highlander Hybrid insurance online. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Consumers may even find the biggest savings come from the smaller companies. Smaller companies may only write in your state and offer lower rates compared to the large companies like Progressive and GEICO.

Budget-friendly auto insurance is possible both online in addition to local insurance agencies, so you need to shop insurance coverage with both to have the best rate selection. There are still a few companies who do not offer the ability to get a quote online and many times these regional insurance providers sell through local independent agencies.

Helpful information

Comments About 2007 Toyota Highlander Hybrid Insurance

  1. Myriam Klein

    IT’S ALL TOO EXPENSIVE! I’m from Charlotte, NC. Got car insurance rates from AAA, Esurance, and Safeco for my 2007 Toyota Highlander Hybrid and saved $554 a year. I get lower rates because of my clean driving record. :P

  2. Lewis Craig

    What does medical payments cover?

  3. Eric Neal

    What is comprehensive coverage?

  4. Suzie Tate

    Will State Farm raise rates after an accident?

  5. Sheryll Nielsen

    Lots of good stuff here. Got a quote with Encompass for my Highlander Hybrid and cut my rates about $400 a year. Left Safeco to switch.

  6. Sonny Woodard

    Went with Liberty Mutual for my Highlander Hybrid and am saving around $300 a year. Moved home policy as well. :P

  7. Jae Melendez

    Does Progressive do SR22s in Nevada?

  8. Jeane Hyde

    Proud to be from Portland, ME. Received prices from Western Auto Insurance, Amica, Liberty Mutual, and Safeco for my Toyota and I think I saved about $40 each month. Moved home policy as well. You can get a rate quote online.

  9. Christine Woodard

    Are Allstate or Allstate rates cheaper in Montana?

  10. Marva Holloway

    Just a quick comment on my experience. I’m just south of Memphis, TN. Quoted quotes with 21st Century, Eastwood, and Liberty Mutual for my Highlander Hybrid and I’m now saving $24 a month. Left AAA to switch. :P

  11. William Mercado

    Hope my car insurance gets cheaper. I’m in Omaha, NE. Compared quite a few companies. Saved right around $30 a month. Progressive was the cheapest option for me. Left Liberty Mutual to switch. Have a couple speeding tickets too.