Cheapest 2016 Toyota Highlander Insurance Rates in 2023
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UPDATED: Dec 7, 2021
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Being forced to pay for expensive auto insurance premiums can empty your bank account and possibly require postponing other expenditures. Performing a rate comparison can help to cut your insurance bill.
Many auto insurance companies vie for your business, so it’s not easy to compare every provider and get the best coverage at the lowest cost out there.
You should make it a habit to compare rates once or twice a year because rates are rarely the same from one policy term to another. Even if you think you had the lowest premium rates on Highlander insurance a couple years back the chances are good that you can find a lower price today. Ignore everything you know about auto insurance because I’m going to teach you the tricks you need to know to find lower rates on auto insurance.
If you currently have car insurance, you will most likely be able to cut costs considerably using these tips. Choosing the best insurance company for you is not that difficult. Although car owners do need to know how big insurance companies compete online.
How to shop insurance coverage online
Shopping for lower insurance coverage rates can be a lot of work if you don’t know the most efficient way. You could spend the better part of a day driving to agents in your area, or you could use the web to get pricing more quickly.
Most of the best insurance companies participate in a marketplace that enables customers to complete one form, and each company can give them a price. This system prevents you from having to do quote requests for each company. To compare rates using this form now click here to open in new window.
Compare rates however you want, just be sure to compare the exact same coverages and limits for every company. If you are comparing differing limits it will be very difficult to make a fair comparison for your Toyota Highlander. Quoting even small variations in coverage limits can mean a large discrepancy in price. Keep in mind that comparing more rates from different companies increases the change that you will find more affordable rates.
These discounts can cut car insurance rates
Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to help bring down the price. Some discounts will apply when you purchase, but a few need to be specifically requested prior to receiving the credit.
- Waiver for an Accident – Not really a discount, but some insurance companies allow you one accident before they charge you more for coverage if you have no claims prior to being involved in the accident.
- Discount for Life Insurance – Larger companies have lower prices if you buy life insurance from them.
- Multi-Vehicle Discounts – Drivers who insure more than one vehicle on one policy can get a discount for every vehicle.
- College Student Discount – Children who live away from home to go to college and leave their car at home may be insured at a cheaper rate.
- Own a Home and Save – Owning your own home or condo can help you save on car insurance because it requires personal responsibility.
Remember that some of the credits will not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like having all the discounts means you get insurance for free, companies wouldn’t make money that way.
A few of the larger companies and a partial list of their discounts can be found below.
- Farm Bureau may include discounts for renewal discount, good student, multi-policy, youthful driver, driver training, multi-vehicle, and safe driver.
- Liberty Mutual policyholders can earn discounts including hybrid vehicle, multi-car, multi-policy, new move discount, and safety features.
- State Farm offers discounts including defensive driving training, accident-free, passive restraint, driver’s education, Steer Clear safe driver discount, Drive Safe & Save, and student away at school.
- Auto-Owners Insurance offers discounts for mature driver, safe driver, air bags, multiple vehicles, group or association, and paid in full.
- GEICO may have discounts that include military active duty, driver training, five-year accident-free, membership and employees, and daytime running lights.
- SAFECO has discounts for anti-theft, teen safety rewards, anti-lock brakes, drive less, bundle discounts, homeowner, and accident prevention training.
Get lower-cost auto insurance with these tips
Lots of things are part of the equation when you get a price on insurance. Most are fairly basic like your driving record, but others are less obvious like your vehicle usage or your vehicle rating.
- Males pay higher costs – Statistics show that men are more aggressive behind the wheel. It does not mean men are WORSE drivers than women. Women and men get in fender benders in similar numbers, but males cause more damage. Not only that, but men also get higher numbers of serious violations such as DWI and reckless driving. Youthful male drivers are several times more likely to be in an accident so it costs more to insure them.
- Extra coverages push up costs – There are many extra coverages that you can get tricked into buying when buying auto insurance. Insurance for things like rental car reimbursement, better glass coverage, and term life insurance could be just wasting money. These coverages may sound good at first, but if they’re wasting money eliminate the coverages to reduce your premium.
- Drive less and save – Driving a lot of miles annually the more you’ll pay to insure your vehicle. The majority of insurers rate vehicles based on their usage. Cars that are left in the garage receive lower rates than those that get driven frequently. It’s a smart idea to ensure your declarations sheet properly reflects the right rating data. Incorrect rating for your Highlander may be wasting your money.
- Cheaper premiums for prior coverage – Having a gap between insurance policy dates will be a guaranteed way to trigger a rate increase. In addition to paying higher premiums, failure to provide proof of insurance may result in fines or a revoked license. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
- Driving citations increase premiums – Drivers who don’t get tickets tend to pay less for car insurance than people who have multiple driving citations. Even one citation can bump up the cost twenty percent or more. Drivers who have serious violations such as DUI or reckless driving might be required by their state to file a proof of financial responsibility form (SR-22) with their state DMV in order to drive a vehicle legally.
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When do I need an agent’s advice?
When choosing proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions might help in determining if your insurance needs may require specific advice.
- Can my teen driver be rated on a liability-only vehicle?
- Will filing a claim cost me more?
- Are my friends covered when driving my car?
- What is no-fault insurance?
- How much can I save by bundling my policies?
- Do I need rental car coverage?
- Who is covered when they drive my 2016 Toyota Highlander?
- How high should deductibles be on a 2016 Toyota Highlander?
- Does medical payments coverage apply to all occupants?
Car insurance 101
Learning about specific coverages of your car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are typical coverages available from car insurance companies.
Uninsured/Underinsured Motorist coverage
This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your 2016 Toyota Highlander.
Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.
Auto collision coverage
This coverage will pay to fix damage to your Highlander resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.
Collision coverage pays for claims like crashing into a building, colliding with another moving vehicle, driving through your garage door, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.
This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things such as rock chips in glass, damage from a tornado or hurricane, damage from flooding and theft. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Coverage for liability
Liability coverage can cover damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.
Liability can pay for things such as repair costs for stationary objects, loss of income, structural damage, emergency aid and court costs. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.
Medical payments coverage and PIP
Med pay and PIP coverage pay for immediate expenses for things like ambulance fees, chiropractic care, pain medications and EMT expenses. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage
More choices the merrier
As you go through the steps to switch your coverage, never skimp on coverage in order to save money. There are many occasions where someone sacrificed physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to buy the best coverage you can find for the lowest cost while still protecting your assets.
Cheap 2016 Toyota Highlander insurance can be sourced on the web and from local agencies, so you should be comparing quotes from both to have the best selection. Some car insurance companies may not offer the ability to get a quote online and most of the time these small insurance companies only sell coverage through independent insurance agents.
You just learned many ways to reduce 2016 Toyota Highlander insurance rates online. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your auto insurance rates. You may be surprised to find that the lowest priced car insurance comes from an unexpected company. These smaller insurers often have lower auto insurance rates on specific markets than their larger competitors like Progressive or GEICO.
Additional car insurance information can be found on the following sites:
- Auto Insurance for Teen Drivers (Insurance Information Insitute)
- Your Car has been Stolen: Now What? (Allstate)
- Safe Vehicles for Teens (iihs.org)
- Alcohol Impaired Driving FAQ (iihs.org)
- Safety Features for Your New Car (State Farm)
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