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.
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.
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.
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.
If you need lower rates, check with all the companies to apply every possible discount. Some credits might not apply in your area.
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.
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.
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.
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.
If you have a good history and live near Bridgeport, CT, check out Progressive. You might save some money. Left MetLife to switch.
Does Maryland require me to have car insurance?
Got pretty cheap 2016 Toyota Highlander insurance from Allstate in Jersey City, NJ.
Progressive is pretty cheap in Maine! :)
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.
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.