Compare 2016 Toyota Highlander Insurance Cost

Looking for the cheapest insurance coverage rates for your Toyota Highlander? Are you sick and tired of robbing Peter to pay Paul to pay insurance coverage each month? Your situation is no different than many other vehicle owners.

Insurance companies such as Progressive, GEICO and Farmers Insurance continually bombard you with fancy advertisements and it is challenging if not impossible to separate fact from fiction and effectively compare rates to find the best deal.

Compare insurance coverage rates

Effectively comparing insurance coverage prices can be a lot of work if you don’t understand the most efficient way. You could waste a few hours driving to insurance agencies in your area, or you can stay home and use online quoting to get the quickest rates.

Most car insurance companies are enrolled in a marketplace where prospective buyers only type in their quote data once, and at least one company provides a quote. This prevents consumers from doing quote requests for every insurance coverage company.

To compare rates now click here (opens in new window).

One minor caviat to comparing rates this way is you cannot specify the insurers you want to price. If you would rather choose individual companies to compare rates, we have a listing of insurance coverage companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but try to keep apples-to-apples coverage limits and deductibles for every quote you compare. If your comparisons have different liability limits you can’t possibly make a fair rate comparison. Just a small difference in coverage limits could throw off the whole comparison. And when quoting insurance coverage, remember that having more price comparisons will increase your chances of finding more affordable rates. Some regional insurers cannot provide online price quotes, so you also need to get quotes from them, too.

Do you qualify for discounts?

Some providers don’t always list all possible discounts very well, so the below list has both the well known as well as some of the hidden savings tricks you should be using when you buy auto insurance online.

  • Low Mileage Discounts – Driving fewer miles can qualify you for cheaper rates.
  • Early Signing – Select insurance companies give a discount for switching companies early. You can save around 10% with this discount.
  • Lower Rates for Military – Being deployed in the military may qualify for rate reductions.
  • Homeowners Savings – Owning a home can save a few bucks due to the fact that maintaining a home is proof of financial responsibility.
  • Drivers Education – Require your teen driver to enroll in driver’s education as it will make them better drivers and lower rates.
  • Distant Student Discount – Youth drivers who live away from home to go to college and don’t have a car can receive lower rates.
  • Discounts for Cautious Drivers – Accident-free drivers can get discounts for up to 45% lower rates for Highlander insurance as compared to drivers with claims.

You can save money using discounts, but many deductions do not apply the the whole policy. Most only cut specific coverage prices like physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, companies wouldn’t make money that way.

Large auto insurance companies and a summarized list of policyholder discounts are shown below.

  • Mercury Insurance has savings for anti-theft, good student, annual mileage, age of vehicle, professional/association, and accident-free.
  • Farmers Insurance discounts include early shopping, alternative fuel, pay in full, distant student, good student, and mature driver.
  • Farm Bureau may have discounts that include safe driver, driver training, youthful driver, multi-vehicle, multi-policy, and renewal discount.
  • State Farm offers premium reductions for defensive driving training, passive restraint, safe vehicle, Steer Clear safe driver discount, and Drive Safe & Save.
  • Allstate has discounts for eSmart discount, premier plus, EZ pay plan discount, defensive driver, utility vehicle, and new car.
  • GEICO includes discounts for driver training, defensive driver, federal employee, air bags, five-year accident-free, good student, and emergency military deployment.

If you need lower rates, check with all the companies to apply every possible discount. Some credits might not apply in your area.

Don’t assume everyone needs the same auto insurance coverage

When buying the best auto insurance coverage, there really is no “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that. For instance, these questions could help you determine whether your personal situation could use an agent’s help.

  • Should I buy full coverage?
  • Can I rent a car in Mexico?
  • Which companies will insure high-risk drivers?
  • Am I covered when delivering products for my home-based business?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What companies insure drivers after a DUI or DWI?
  • Why do I need rental car insurance?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Auto insurance 101

Knowing the specifics of your car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be confusing and reading a policy is terribly boring. Listed below are the normal coverages offered by car insurance companies.

Coverage for liability – This coverage protects you from damages or injuries you inflict on people or other property. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as attorney fees, medical services, funeral expenses, repair costs for stationary objects and medical expenses. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for immediate expenses like chiropractic care, pain medications and EMT expenses. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive protection – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as falling objects, damage from getting keyed, damage from a tornado or hurricane, a broken windshield and rock chips in glass. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverages – Collision insurance will pay to fix damage to your Highlander resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like colliding with another moving vehicle, hitting a mailbox and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your Toyota Highlander.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Comments About 2016 Toyota Highlander Insurance

  1. Bobby Dillard

    Liked the article. I live in a small town just outside of Eugene, Oregon. Quoted with Auto-Owners, Esurance, and Mercury for my Toyota and I think I saved about $40 each month. I used their website to get prices.

  2. Lura Rich

    If you have a good history and live near Bridgeport, CT, check out Progressive. You might save some money. Left MetLife to switch.

  3. Ayana Noble

    Does Maryland require me to have car insurance?

  4. Raymon Walters

    Got pretty cheap 2016 Toyota Highlander insurance from Allstate in Jersey City, NJ.

  5. Freeda Fernandez

    Progressive is pretty cheap in Maine! :)

  6. Arvilla Garrison

    I’m in the suburbs of Portland, Oregon. I quoted with State Farm, Auto-Owners, and some I forget for my 2016 Toyota Highlander and I think I cut my rates about $70 each month.

  7. Bryan Cardenas

    I compared a lot of rate quotes for a 2016 Toyota Highlander in Baltimore, MD. Ended up at about $190 every six months with Auto-Owners. Teenage drivers are expensive! I got prices on the web.