Cheap 2014 Toyota Highlander Car Insurance Rates

Trying to find lower insurance rates for your Toyota Highlander? Searching for low-cost insurance for your Toyota Highlander can normally be difficult, but you can learn the following methods to find lower rates.

There are more efficient ways to buy insurance so we’re going to tell you the proper way to compare rates on a Toyota and find the cheapest rates from both online companies and local agents.

Buying affordable car insurance coverage is simple if you know the tricks. If you are insured now or are shopping for new coverage, you will benefit by learning to shop for the lowest rates while maximizing coverage. Drivers just need to understand the most effective way to compare company rates over the internet.

Pay discount rates these discounts

Some companies don’t always publicize the entire discount list very clearly, so the list below gives a summary of both well-publicized in addition to some of the lesser obvious discounts that you can inquire about if you buy insurance coverage online. If they aren’t giving you every credit possible, you are throwing money away.

  • Service Members Pay Less – Being on active duty in the military may lower your prices slightly.
  • Discount for Life Insurance – Not all insurance carriers offer life insurance, but some may give you a lower rate if you buy a life policy as well.
  • Pay Now and Pay Less – If you can afford to pay the entire bill rather than paying in monthly installments you could save 5% or more.
  • Save with More Vehicles Insured – Drivers who insure multiple vehicles with the same car insurance company can get a discount for every vehicle.
  • Drivers Education – Cut your cost by having your teen driver enroll in driver’s education in school.
  • Braking Control Discount – Cars and trucks that have steering control and anti-lock brakes are safer to drive so you can save 10 percent or more.
  • Air Bags and Passive Restraints – Factory air bags or automatic seat belts may get savings of up to 25% or more.
  • Driver Safety – Taking time to complete a course in defensive driving may get you a small discount and also improve your driving technique.
  • E-sign – Some of the larger companies may give you up to $50 shop insurance coverage on the web.

We need to note that some of the credits will not apply to the entire cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you can get free auto insurance, it just doesn’t work that way.

Companies and a summarized list of policyholder discounts are:

  • State Farm offers discounts for safe vehicle, driver’s education, defensive driving training, passive restraint, accident-free, multiple policy, and good driver.
  • Geico has discounts for defensive driver, federal employee, military active duty, membership and employees, air bags, and daytime running lights.
  • SAFECO has savings for accident prevention training, bundle discounts, drive less, safe driver, and homeowner.
  • Farmers Insurance offers premium reductions for multi-car, early shopping, business and professional, teen driver, homeowner, and mature driver.
  • AAA offers discounts including good student, AAA membership discount, good driver, education and occupation, and multi-policy.
  • USAA discounts include vehicle storage, family discount, defensive driver, multi-vehicle, and good student.

Before purchasing a policy, check with all companies you are considering to apply every possible discount. Discounts may not apply in your area. If you would like to see a list of insurers who offer online car insurance quotes, click here to view.

How do insurance providers determine Toyota Highlander insurance rates?

Part of the auto insurance buying process is learning a few of the rating criteria that help determine your premiums. If you have some idea of what determines premiums, this empowers consumers to make smart changes that can earn you better auto insurance rates.

  • Bad drivers pay high rates – Attentive drivers get better rates than bad drivers. Just one ticket can increase rates by as much as thirty percent. Drivers who get serious violations such as DUI or willful reckless driving might be required by their state to submit a SR-22 form to the state department of motor vehicles in order to legally drive a vehicle.
  • If you don’t need it don’t buy it – Insurance policies have a lot of additional coverages that can add up but may not be useful. Coverages like personal injury protection, high-cost glass coverage, and term life insurance could be just wasting money. They may seem good at first, but if you don’t need them eliminate the coverages to reduce your premium.
  • Better prices on cars with good safety ratings – Vehicles with good safety scores tend to have better insurance rates. Safer cars reduce the chance of injuries and fewer injuries translates into savings for insurance companies and cheaper rates on your policy. If your Toyota Highlander has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
  • Rates for men may be higher – Over the last 50 years, statistics have shown women are more cautious behind the wheel. It does not mean women are BETTER drivers than men. Males and females cause at-fault accidents at about the same rate, but guys cause more damage and cost insurance companies more money. They also get more serious tickets such as reckless driving.

Special considerations

When it comes to buying coverage for your vehicles, there really is no cookie cutter policy. Everyone’s needs are different.

These are some specific questions may help highlight whether or not you will benefit from professional help.

  • Is my nanny covered when driving my vehicle?
  • How do I file an SR-22 for a DUI in my state?
  • What discounts do I qualify for?
  • How much underlying liability do I need for an umbrella policy?
  • Is business equipment covered while in my vehicle?
  • What is high-risk coverage and where do I buy it?
  • What is PIP insurance?
  • If my pet gets injured in an accident are they covered?
  • Is extra glass coverage worth it?
  • How high should my uninsured/underinsured coverage be in my state?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance specifics

Having a good grasp of your car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Liability coverages – Liability coverage protects you from injuries or damage you cause to other’s property or people. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things like medical services, emergency aid, repair bills for other people’s vehicles and loss of income. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for immediate expenses like funeral costs, dental work, ambulance fees, EMT expenses and pain medications. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover you and your occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive or Other Than Collision – This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from getting keyed, falling objects, a broken windshield and fire damage. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – This coverage pays for damage to your Highlander resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as crashing into a ditch, scraping a guard rail and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Toyota Highlander.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.

Knowledge is power

Drivers switch companies for a variety of reasons including high rates after DUI convictions, being labeled a high risk driver, delays in responding to claim requests or poor customer service. No matter why you want to switch, finding the right insurance coverage provider can be pretty painless.

Some insurance companies don’t offer online rate quotes and many times these smaller companies sell through local independent agents. Budget-friendly insurance coverage can be sourced on the web and also from your neighborhood agents, so you should compare both to get a complete price analysis.

As you restructure your insurance plan, do not reduce coverage to reduce premium. There are too many instances where someone dropped full coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy a smart amount of coverage at the best price while still protecting your assets.

More detailed insurance coverage information is located in the articles below: