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Toyota Highlander Insurance Rates

There are many options when shopping for insurance coverage for your Toyota vehicle. You can buy direct from your neighborhood insurance agent or price shop online to compare rates from car insurance companies. Finding cheaper auto insurance from online rate quotes is simple to do and there is a good chance you will probably save money.

Finding the best direct price on auto insurance can be a challenge if you have never used online quoting. But relax because there is an easy way to compare rates. Getting better Highlander insurance cost doesn't have to be difficult. Just take time comparing rates online with multiple companies. It is quite easy and can be accomplished by comparing rates here.

Insurance rates paid to insure a Toyota Highlander can fluctuate considerably subject to many criteria. Some of these factors include:

  • More performance equals higher cost
  • Accidents raise premiums
  • Home/auto policy bundles save money
  • How you use your vehicle
  • Extra coverages like towing and rental
  • No claims lowers premiums
  • Having continuous coverage saves you money
  • Whether you own your home

One last important factor which can affect the rate you pay on your Toyota is the year of manufacture. Newer models have a higher actual cash value so the payout to repair may result in higher rates. Although more recent Toyota vehicles may have options included like a collision avoidance system, forward-collision avoidance, and active head restraints which may lower rates.

To get a better understanding how much rates will be for your vehicle, select the year of your Highlander below.

Liability insurance - Highlander liability coverage will cover damage that occurs to a person or their property that is your fault. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so purchase as high a limit as you can afford.

Collision coverage - This will pay to fix damage to your Toyota from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper Highlander insurance rates.

Comprehensive protection - This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The most you'll receive from a claim is the market value of your vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense coverage - Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay.

How Much are Toyota Highlander Insurance Rates?