View 2009 Toyota Highlander Insurance Cost

Want cheaper car insurance rates for your Toyota Highlander? Nobody I know fancies paying their premiums for car insurance, especially when they know it costs too dang much. Companies like Progressive, GEICO and Farmers Insurance all claim big savings with catchy ads and it is difficult to see through the deception and take the time to shop coverage around.

Smart consumers take time to do rate comparisons periodically because car insurance prices are adjusted regularly by insurance companies. Just because you had the lowest rates for Highlander insurance on your last policy there is a good chance you can find better premium rates now. Forget all the misinformation about car insurance because we’re going to demonstrate the fastest and easiest way to save money, get proper deductibles and limits, all at the lowest rate.

If you have insurance now or need a new policy, you can use this information to cut your premiums while maximizing coverage. Buying car insurance is not that difficult. Drivers just need to understand the proper way to find the lowest price online.

Get lower rates with these car insurance discounts

Some insurers do not list the entire discount list very clearly, so the next list breaks down both well-publicized as well as some of the hidden credits that may apply to you.

  • Claim-Free Discount – Insureds who avoid accidents and claims pay much less in comparison with insureds who have frequent claims or accidents.
  • Own a Home – Simply owning a home can save a few bucks due to the fact that maintaining a home requires personal responsibility.
  • Distant College Student Discount – Kids who are enrolled in a college that is more than 100 miles from home and don’t have a car may be insured at a cheaper rate.
  • Online Discount – A handful of car insurance companies will give a small break for completing your application on the internet.
  • Policy Bundle Discount – If you insure your home and vehicles with the same company you could get a discount of nearly 15% which can help you find cheap insurance coverage.

You should keep in mind that many deductions do not apply to the entire policy premium. A few only apply to individual premiums such as liability, collision or medical payments. So even though you would think all the discounts add up to a free policy, it doesn’t quite work that way. Any amount of discount will bring down your car insurance premiums.

Popular car insurance companies and a summarized list of policyholder discounts are included below.

  • American Family offers premium reductions for good driver, multi-vehicle, TimeAway discount, accident-free, and early bird.
  • Farm Bureau may offer discounts for multi-vehicle, good student, renewal discount, multi-policy, 55 and retired, safe driver, and youthful driver.
  • State Farm may have discounts that include good student, accident-free, Steer Clear safe driver discount, defensive driving training, safe vehicle, multiple autos, and anti-theft.
  • Travelers has savings for early quote, driver training, IntelliDrive, multi-car, student away at school, home ownership, and payment discounts.
  • The Hartford policyholders can earn discounts including vehicle fuel type, bundle, driver training, defensive driver, air bag, anti-theft, and good student.
  • GEICO offers discounts for military active duty, five-year accident-free, emergency military deployment, good student, anti-theft, anti-lock brakes, and federal employee.
  • Progressive offers discounts including continuous coverage, online quote discount, multi-policy, homeowner, multi-vehicle, and good student.

When comparing rates, check with every prospective company which discounts you may be entitled to. Savings might not be available to policyholders in your state.

How to lower your insurance cost

Finding a lower price on 2009 Toyota Highlander insurance doesn’t have to be difficult. Consumers just need to take time comparing rates online from several insurance companies. Rate comparisons can be done in just a few minutes using one of these methods.

  1. The most efficient method to get the best comparison quotes is to use a rate comparison form click to view form in new window. This style of form saves time by eliminating a different quote to each individual insurance company. Completing one form gets rate comparisons direct from many companies.
  2. Another way to obtain and compare quotes online requires you to visit the website for every company you want to comare and fill out their own quote form. For example, let’s assume you want to see prices from State Farm, Safeco and GMAC. You would have to visit each site and enter your information, which can take a lot of time. To view a list of companies in your area, click here.
  3. The least recommended way to find cheaper rates is to spend your day driving to and from local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you prefer the peace of mind that only a licensed agent can provide. You can, however, price shop your coverage online but purchase the actual policy in an agency.

Compare rates however you want, just try to use the exact same coverage limits for each price quote. If you use differing limits then you won’t be able to make an equal comparison.

Insurance can get complicated

When it comes to buying adequate coverage for your vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions might help in determining whether your personal situation might need professional guidance.

  • Why am I required to buy liability insurance?
  • How do I file an SR-22 for a DUI in my state?
  • Is my custom paint covered by insurance?
  • Are split liability limits better than a combined single limit?
  • Is other people’s property covered if stolen from my vehicle?
  • Are my friends covered when driving my car?
  • When does my teenage driver need to be added to my policy?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I pay less if my vehicle is kept in my garage?
  • Can I make deliveries for my home business?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Insurance policy coverages for a Toyota Highlander

Understanding the coverages of insurance can be of help when determining the best coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverages available from insurance companies.

Medical expense coverage

Med pay and PIP coverage provide coverage for bills for things like hospital visits, EMT expenses, dental work, ambulance fees and funeral costs. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive protection

This covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as a broken windshield, hitting a deer, damage from a tornado or hurricane and damage from flooding. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and damage to your Toyota Highlander.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages are similar to your liability insurance amounts.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like crashing into a building, rolling your car, driving through your garage door, scraping a guard rail and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Liability auto insurance

This coverage provides protection from damage or injury you incur to people or other property that is your fault. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims such as pain and suffering, medical services, medical expenses, loss of income and court costs. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Better coverage you can count on

When getting insurance coverage quotes online, it’s a bad idea to skimp on coverage in order to save money. In too many instances, drivers have reduced liability limits or collision coverage to discover at claim time that the savings was not a smart move. The aim is to buy the best coverage you can find for the lowest cost and still be able to protect your assets.

You just learned a lot of information how to save on 2009 Toyota Highlander insurance. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Drivers may discover the most savings is with some of the smallest insurance companies. Smaller companies may only write in your state and offer lower rates compared to the large companies like State Farm or Progressive.

To learn more, link through to the following helpful articles:

Comments About 2009 Toyota Highlander Insurance

  1. Arthur Webb

    2009 Toyota Highlander + Progressive = CHEAP! At least inVermont anyway.

  2. Kenna Sykes

    I live north of Boston, MA. I got free quotes from State Farm, Amica, Erie, and GMAC for my 2009 Toyota Highlander and saved about $250 a year. Was with Hanover. Got better coverage too.

  3. Enola Hopper

    Does Missouri require a SR-22 after a DUI?

  4. Victoria Larson

    Nice post. I’m in the suburbs of Tulsa, OK. Got free quotes online for a 2009 Toyota Highlander. Ended up at about $480 savings annually. Went with 21st Century. Left American Family to switch. I even had a DUI years ago. Bought it from an online quote.

  5. Layne Duncan

    Checking in from Detroit, MI. Quoted prices online for a 2009 Toyota Highlander. Ended up at about $550 savings annually. Went with 21st Century. Insured with USAA before. Might find lower rates online.

  6. Marlyn Henderson

    Hope my car insurance gets cheaper. Proud to be from Salem, Oregon. Got car insurance prices from Allstate, Encompass, and The General for my Toyota and I’m now saving $55 a month. :)

  7. Lisbeth Little

    Found cheapest coverage with American Family for my Toyota and saved about $420 a year. Was with Western Auto Insurance. A clean driving record helps. It never hurts to quote around.

  8. Devin Kim

    Great info, thanks for posting. Live in Louisville, KY. Received prices from MetLife, Eastwood, Allstate, and Amica for my Toyota and saved just over $270 a year. Good multi-policy discounts.

  9. Fernanda Schwartz

    Corporate greed I’m telling you. Live in the eastern part of Gulfport, Mississippi. Went online for free insurance quotes for a 2009 Toyota Highlander. Ended up at about $170 savings annually. Went with GEICO.

  10. Michale Waller

    Does North Carolina require a SR-22 after a DUI?

  11. Lanell Harvey

    I live just outside Springfield, MA. Checked online prices for a 2009 Toyota Highlander. Ended up at about $390 savings annually. Went with 21st Century. Left GEICO to switch. I even had a DUI years ago. It never hurts to quote around.

  12. Ethan Hickman

    Is State Farm cheap in Cleveland, OH?

  13. Kiera Solomon

    I got quite a few price quotes for a 2009 Toyota Highlander in Columbus, GA. Ended up at roughly $410 every six months with Amica. BTW speeding tickets are not good.

  14. Charles Guerrero

    If you don’t have tickets and are close to Minneapolis, MN, check out Progressive. They seem to be cheaper. I have a teen driver too.

  15. Amado Barker

    I live in a small town just outside of Charleston, South Carolina. Got car insurance rates from Allstate, AIG Insurance, Eastwood, and Hanover for my Toyota and saved just over $340 a year. I’m a pretty good driver though. God forbid I actually have a claim.