Cheapest 2015 Toyota Highlander Insurance Rates in 2024

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 11, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Finding low-cost insurance on the internet is problematic for consumers new to price shopping online. With so many choices of choices, how can anyone possibly compare every company to locate the best available price?

It’s important to compare prices on a regular basis since rates are adjusted regularly by insurance companies. Just because you found the lowest rates for Highlander coverage two years ago you may be paying too much now. There is a lot of bad advice regarding insurance on the web, but I’m going to show you some guaranteed methods to put money back in your pocket.

If you currently have car insurance, you stand a good chance to be able to save some money using these techniques. The purpose of this post is to teach you how car insurance quotes work and some money-saving tips. Although consumers should learn how companies sell insurance online and take advantage of how the system works.

How to Compare Car Insurance Costs

There are several ways to shop for Toyota Highlander car insurance, but one way is less labor-intensive and much quicker. You can waste hours driving to local insurance agents in your area, or you can utilize online quoting to get pricing more quickly.

All the larger companies belong to an insurance system that enables customers to enter their policy data once, and every company returns a rated price based on that information. This system prevents you from having to do quote requests to each individual car insurance company. To fill out one form to compare multiple rates now click here to open in new window.

Which method you use is up to you, but ensure you’re using identical quote information on every quote you get. If the quotes have different limits and deductibles on each one it will be very difficult to determine the lowest rate for your Toyota Highlander. Having just a slight variation in coverages can result in a big premium difference. And when price shopping your coverage, getting more free quotes will increase your chances of finding the best offered rates.

Take advantage of discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available that you may not even be aware of. Some discounts apply automatically when you complete an application, but a few must be requested specifically in order for you to get them.

  • No Claims – Claim-free drivers can earn big discounts as compared to bad drivers.
  • Auto/Home Discount – If you have multiple policies with one insurance company you could get a discount of approximately 10% to 15%.
  • Paperwork-free – A few companies will give a small break for buying your policy on their website.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
  • Federal Government Employee – Employees or retirees of the government could cut as much as 10% off for Highlander coverage with certain companies.
  • Distant Student – Any of your kids living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Defensive Driver – Completing a course teaching defensive driving skills can save you 5% or more if your company offers it.
  • Theft Prevention System – Anti-theft and alarm systems can help prevent theft and will save you 10% or more.

Drivers should understand that most discount credits are not given to all coverage premiums. Most only cut the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, it just doesn’t work that way. But all discounts will reduce the cost of coverage.

How to know if you need help

When it comes to choosing the right insurance coverage for your vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight if your insurance needs could use an agent’s help.

  • Who is covered when they drive my 2015 Toyota Highlander?
  • Am I covered if hit by an uninsured driver?
  • Am I missing any policy discounts?
  • Does insurance cover damages from a DUI accident?
  • Can I afford to buy a different vehicle if my 2015 Toyota Highlander is totaled?
  • What should my uninsured motorist coverage limits be in my state?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form.

Auto insurance 101

Learning about specific coverages of insurance can be of help when determining the best coverages and the correct deductibles and limits. Insurance terms can be confusing and coverage can change by endorsement.

Liability car insurance

This coverage can cover damage that occurs to people or other property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property. Occasionally you may see a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like repair costs for stationary objects, court costs, pain and suffering, legal defense fees and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Collision protection

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like sideswiping another vehicle, hitting a mailbox, backing into a parked car, damaging your car on a curb and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

This provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Toyota Highlander.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Frequently these limits do not exceed the liability coverage limits.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hail damage, damage from flooding and hitting a deer. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as nursing services, doctor visits, ambulance fees and pain medications. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Frequently Asked Questions

What factors affect the cost of insurance for a 2015 Toyota Highlander?

Several factors can influence the cost of insurance for a 2015 Toyota Highlander. These factors may include the driver’s age, driving history, location, annual mileage, credit score, and the level of coverage desired. Additionally, insurance companies take into account the vehicle’s safety features, repair costs, and theft rates when determining insurance premiums.

Is the 2015 Toyota Highlander considered an expensive vehicle to insure?

The cost of insurance for a 2015 Toyota Highlander can vary depending on the factors mentioned earlier. However, in general, the Highlander is not considered an expensive vehicle to insure compared to luxury or high-performance cars. It has good safety ratings, which can help lower insurance costs, but individual premiums will depend on various personal factors.

What are some tips for finding affordable insurance for a 2015 Toyota Highlander?

To find affordable insurance for a 2015 Toyota Highlander, consider the following tips:

  • Shop around: Obtain quotes from multiple insurance providers to compare prices and coverage options.
  • Bundle policies: If you have other insurance policies, such as homeowners or renters insurance, consider bundling them with your auto insurance for potential discounts.
  • Increase deductibles: Opting for a higher deductible can lower your premium, but ensure you can afford the deductible in case of a claim.
  • Maintain a clean driving record: Avoid traffic violations and accidents, as a good driving history can lead to lower insurance rates.
  • Inquire about discounts: Ask insurers about any available discounts, such as safe driver discounts, multi-policy discounts, or discounts for safety features in the Highlander.
  • Consider usage-based insurance: Some insurers offer programs where your premium is based on your actual driving habits. If you’re a safe driver, this can potentially lower your insurance costs.

Are there any specific safety features in the 2015 Toyota Highlander that could help reduce insurance costs?

Yes, the 2015 Toyota Highlander comes equipped with several standard safety features that could potentially help reduce insurance costs. These features may include anti-lock brakes (ABS), stability control, traction control, multiple airbags, rearview cameras, and a comprehensive suite of advanced driver-assistance systems (ADAS) like lane departure warning, forward collision warning, and automatic emergency braking. Insurance companies often consider these safety features when determining premiums, as they can reduce the risk of accidents or injuries.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles