Compare 2003 Toyota Highlander Insurance Rates

Buyers have lots of choices when searching for the lowest priced Toyota Highlander insurance. They can either waste time driving around to compare prices or save time using the internet to get rate quotes.

There is a right way and a wrong way to shop for insurance so we’re going to tell you the absolute fastest way to compare rates for a Toyota and locate the best price possible.

The best way to get rate comparisons is to realize most larger insurance companies participate in online systems to provide you with free rate quotes. The only thing you need to do is provide information like daily mileage, if it has an anti-theft system, if you’re married, and how old drivers are. That rating data is automatically sent to insurance carriers in your area and they return rate quotes instantly to find the best rate.

Car insurance can get complicated

When choosing the right insurance coverage, there is no “best” method to buy coverage. Everyone’s needs are different.

Here are some questions about coverages that may help highlight if you might need an agent’s assistance.

  • Am I covered when driving in Canada or Mexico?
  • Do I really need UM/UIM coverage?
  • Do I have newly-aquired coverage?
  • Does car insurance cover theft of personal property?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I need rental car coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • How much liability do I need to cover my assets?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.

Car insurance coverages 101

Having a good grasp of car insurance can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from getting keyed, fire damage, hail damage and rock chips in glass. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Toyota Highlander.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these coverages are similar to your liability insurance amounts.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like rolling your car, colliding with a tree and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Auto liability

Liability coverage provides protection from damage that occurs to people or other property. This insurance protects YOU against other people’s claims, and does not provide coverage for 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 liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like attorney fees, pain and suffering, funeral expenses and emergency aid. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills like X-ray expenses, ambulance fees, EMT expenses and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible