Lower Your 2017 Toyota Highlander Insurance Cost

Searching for the cheapest insurance for your Toyota Highlander can normally be a lot of work, but you can learn these tips to find lower rates. There are more efficient ways to find insurance online so we’re going to tell you the absolute fastest way to price shop coverage for a Toyota and find the best price possible from both online companies and local agents.

If you have a current insurance policy or are shopping for new coverage, you can use these tips to cut your premiums and possibly find even better coverage. Locating affordable insurance coverage is not that difficult. Drivers just need to know how to compare rates over the internet.

Lower rates by qualifying for discounts

Car insurance is not inexpensive, but companies offer discounts to cut the cost considerably. Certain discounts will be triggered automatically when you get a quote, but some must be asked about in order for you to get them.

  • Drivers Education – Cut your cost by having your teen driver sucessfully take a drivers education course in school.
  • Discount for Good Grades – This discount can be rewarded with saving of up to 25%. Most companies allow this discount until age 25.
  • Buy New and Save – Buying a new car model can cost up to 25% less compared to insuring an older model.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts could see savings up to 30%.
  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to wear their seat belts may be able to save a few bucks off the personal injury premium cost.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • One Accident Forgiven – but a few companies such as GEICO, State Farm, and Progressive allow you one accident before they charge you more for coverage if your claims history is clear prior to being involved in the accident.

Consumers should know that most discounts do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, companies wouldn’t make money that way.

Some of the insurance companies who may offer some of the above discounts include:

If you need lower rates, check with each company how you can save money. Some discounts listed above might not apply everywhere.

Auto insurance quotes comparison

Performing a rate comparison can be challenging if you don’t know the most efficient way to do it. You can spend countless hours talking about coverages with insurance companies in your area, or you can utilize the web to get rate comparisons in just a few minutes.

All the larger companies belong to a marketplace where insurance shoppers enter their coverage request one time, and each company then returns a price quote determined by their information. This system prevents you from having to do quote requests to each individual auto insurance company.

To find out how much you can save on auto insurance click here to start a free quote.

The one disadvantage to using this type of system is you can’t choose the providers to get pricing from. If you wish to select from a list of companies to request quotes from, we have a listing of auto insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but do your best to enter identical deductibles and coverage limits on every price quote you get. If your comparisons have mixed coverages you will not be able to make a fair rate comparison.

Car insurance is unique, just like you

When choosing the best car insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions might help in determining if your situation may require specific advice.

  • If my pet gets injured in an accident are they covered?
  • Which is better, split liability limits or combined limits?
  • Do I need an umbrella policy?
  • When can I cancel my policy?
  • When should I remove comp and collision on my 2017 Toyota Highlander?
  • Do I pay less if my vehicle is kept in my garage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • How much can I save by bundling my policies?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.

Auto insurance coverage specifics

Knowing the specifics of auto insurance aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Comprehensive protection

This will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a bird, theft, damage from flooding, hitting a deer and damage from getting keyed. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for expenses for doctor visits, funeral costs, surgery and rehabilitation expenses. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your 2017 Toyota Highlander.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision insurance

This pays for damage to your Highlander resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with another moving vehicle, crashing into a building, hitting a mailbox, sideswiping another vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability car insurance

This will cover damage that occurs to other people or property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims such as loss of income, funeral expenses, structural damage and bail bonds. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Smart consumers save more

While you’re price shopping online, don’t be tempted to skimp on critical coverages to save a buck or two. In too many instances, an insured dropped full coverage and found out when filing a claim they didn’t have enough coverage. Your goal is to buy a smart amount of coverage for the lowest cost while not skimping on critical coverages.

In this article, we covered a lot of techniques to compare 2017 Toyota Highlander insurance rates online. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates come from the smaller companies.

People leave their current company for a number of reasons such as delays in paying claims, being labeled a high risk driver, high prices or even denial of a claim. It doesn’t matter what your reason, switching companies is actually quite simple.

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Comments About 2017 Toyota Highlander Insurance

  1. Donella Leon

    Do I have to carry car insurance in Maryland?

  2. Sandy Fletcher

    Will 21st Century cancel if I have a claim?

  3. Terry Bailey

    Got a quote with GMAC for my Highlander and saved about $160 a year. Insured with USAA before. Thankfully I’m not a high risk driver.

  4. Gilberto Haynes

    I’ve bought from Allstate forever. Cheapest rates in Birmingham, Alabama.

  5. Charlene Daugherty

    Proud to be from Lewiston, ME. Quoted prices online for a 2017 Toyota Highlander. Ended up at about $110 savings annually. Went with GEICO. LOL

  6. Kraig Howe

    Nice post. I’m in the west part of Phoenix, AZ. Quoted prices online for a 2017 Toyota Highlander. Ended up at about $150 savings annually. Went with GEICO. Insured with Amica before.

  7. Classie Fletcher

    If you have a clean record and are close to Allentown, Pennsylvania, check out GEICO. They seem to be cheaper. Was with Hanover. I have kids on my policy, too.

  8. Lidia Kinney

    IT’S ALL TOO EXPENSIVE! Live in Wichita, KS. Compared quite a few companies. Saved roughly $50 a month. Allstate was the most affordable for me. Switched homeowners coverage too. They offer free online rate quotes.

  9. Quiana Sosa

    I think I’m paying too much. I’m in the north part of Charleston, West Virginia. Got car insurance rates from Progressive, AIG Insurance, and Eastwood for my Highlander and saved just over $120 a year. I have kids on my policy, too.

  10. Phebe Robertson

    If you don’t have tickets and live in the vicinity of Newark, New Jersey, check out 21st Century. They seem to be cheaper. Was with Sentry. I have several vehicles insured with them. They were helpful in switching over.