2014 Toyota Highlander Car Insurance Cost – 6 Tips to Save

Want cheaper auto insurance rates for your Toyota Highlander? Trying to find cheaper insurance for a new or used Toyota Highlander can turn out to be an all-consuming task, but you can learn our auto insurance buying tips to save time. There are more efficient ways to find auto insurance online and you need to know the best way to quote coverages for your Toyota and locate the lowest price from both online companies and local agents.

It’s a good idea to get comparison quotes every six months since prices change frequently. Even if you got the best price on Highlander insurance at your last renewal there may be better deals available now. You can find a lot of information about auto insurance out there, but in a few minutes you can learn a lot of great tips on how to lower your auto insurance bill.

The best way to compare car insurance rates takes advantage of the fact most insurance companies actually pay money for the chance to provide you with a free rate quote. All you need to do is provide details like whether you are single or married, if the vehicle is leased, how much education you have, and if you have an active license. Those rating factors is instantly provided to insurance carriers in your area and they return quotes very quickly.

To check car insurance prices now, click here and find out if lower rates are available.

Well known brands might not be cheapest

Drivers can’t escape the ads that promise big savings for switching from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise of big savings if you change your coverage to them.

How can each company lower your prices? Here is the trick they use.

All companies offer their best rates for the type of driver that will be a good risk. For example, a desirable insured should be a married male, has a clear driving record, and drives a safe vehicle. Someone that hits that “sweet spot” will get very good rates and have a good chance to save if they switch.

Potential insureds who don’t meet the requirements will probably be forced to pay higher premiums which leads to business not being written. If you pay close attention to the ads, they say “people who switch” but not “all drivers who get quotes” can get the lowest rates when switching. That is how companies can truthfully state the savings. Because each company has a different risk profile, drivers must do a quote comparison often. It is impossible to guess which insurance coverage company will fit you best based on your risk profile.

Insurance coverage rates and discounts

Some insurers don’t list all available discounts in an easy-to-find place, so the following is a list of both well-publicized and also the more inconspicuous credits available to bring down your rates. If you are not receiving all the discounts possible, you’re just leaving money on the table.

  • Organization Discounts – Participating in qualifying employment or professional organizations can get you a small discount on insurance coverage.
  • Save with More Vehicles Insured – Insuring multiple vehicles on one policy can reduce the rates for all insured vehicles.
  • Discount for Life Insurance – Larger insurance companies have a break if you buy life insurance from them.
  • Sign Early and Save – Some larger companies provide a discount for switching policies before your current coverage expires. This can save 10% or more.
  • Homeowners Discount – Owning a home may trigger a policy discount on insurance coverage due to the fact that maintaining a home means you have a higher level of financial diligence.
  • Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Highlander insurance than drivers with accidents.

Don’t be surprised that many deductions do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, that’s just not realistic.

To choose companies that can offer you the previously mentioned discounts, click here.

Situations that may require an agent’s advice

When choosing coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is a little different.

These are some specific questions might help in determining whether you would benefit from an agent’s advice.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I pay less for low miles?
  • Am I getting all the discounts available?
  • Is my ex-spouse still covered by my policy?
  • Is a blown tire covered by insurance?
  • Am I covered if I hit a deer?
  • Does my liability insurance cover pulling a trailer or camper?
  • What is high-risk coverage and where do I buy it?
  • Does coverage extend to a rental car in a foreign country?
  • How much underlying liability do I need for an umbrella policy?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and you can get the answers you need.

Auto insurance coverages

Knowing the specifics of your policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive insurance

This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hitting a bird, falling objects and rock chips in glass. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability

This coverage will cover damage that occurs to a person or their property by causing an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against claims like medical expenses, court costs, legal defense fees and funeral expenses. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Toyota Highlander.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as dental work, X-ray expenses and hospital visits. They are utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Coverage for collisions

Collision coverage pays for damage to your Highlander resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like rolling your car, hitting a parking meter, scraping a guard rail, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Keep this in mind

Budget-conscious 2014 Toyota Highlander insurance is definitely available both online and from local agencies, and you should compare rates from both in order to have the best price selection to choose from. There are still a few companies who do not offer online rate quotes and usually these smaller companies sell through independent insurance agencies.

People leave their current company for a number of reasons such as high rates after DUI convictions, policy cancellation, not issuing a premium refund or extreme rates for teen drivers. Regardless of your reason, finding a great new company can be less work than you think.

While you’re price shopping online, do not sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed full coverage to discover at claim time that it was a big error on their part. Your goal is to purchase plenty of coverage at the best possible price and still be able to protect your assets.

Much more information about car insurance can be read below:

Comments About 2014 Toyota Highlander Insurance

  1. Jutta Torres

    It’s all a rip off. Got a quote with Allstate for my 2014 Toyota Highlander and saved around $90 a year. Was with Hartford. I’m a pretty good driver though. Still almost need a second mortgage.

  2. Trang Hunter

    Looking for cheaper 2014 Toyota Highlander insurance in Paterson, New Jersey. Help!

  3. Bailey Madden

    I found cheap 2014 Toyota Highlander insurance in Cranston, Rhode Island with State Farm.

  4. Norah Middleton

    Does Progressive have good claim service?

  5. Krystal Berger

    Does State Farm offer multi-policy discounts?

  6. Giselle Cervantes

    Live in the southern part of Biloxi, Mississippi. Went online for free insurance quotes for a 2014 Toyota Highlander. Ended up at about $320 savings annually. Went with GEICO. Was with Encompass. I have a teen driver too.

  7. Marylyn Wyatt

    Can you buy custom paint coverage for a 2014 Toyota Highlander?

  8. Marion Nash

    If you have a good history and live near Eugene, OR, check out Progressive. I saved quite a bit. Was with Hartford. LOL

  9. Ardell Shaw

    Located in Concord, New Hampshire. I quoted with AAA, Eastwood, and Safeco for my Toyota and saved just over $240 a year. Insured with GEICO before. I used their online quote form to compare rates.

  10. Garrett Rhodes

    I’m in the suburbs of New York City, New York. Quoted with American Family, Sentry, and some smaller one I can’t remember the name of for my 2014 Toyota Highlander and cut my rates about $100 a year. Moved home policy as well. Can still barely afford it.

  11. Amberly Mcclure

    Does Allstate prorate premiums at cancellation?