2017 Toyota Highlander Hybrid Car Insurance Quotes in 2024 – 5 Tips for Cheaper Rates

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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: May 27, 2024

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Trying to find cheaper insurance rates for your Toyota Highlander Hybrid? Nobody is fond of buying insurance, especially when they know the cost is way too high.

Lots of auto insurance companies contend for your insurance dollar, so it’s not easy to compare every provider to find the absolute best rates possible.

Smart consumers take time to shop coverage around before your policy renews due to the fact that insurance prices are usually higher with each renewal. Just because you had the best deal on Highlander Hybrid coverage on your last policy there may be better deals available now. Block out anything you think you know about insurance because we’re going to show you the fastest way to find lower rates on insurance.

How to find cheap car insurance

To find the best car insurance prices, there are several ways to compare rate quotes from companies that offer car insurance in your state. By far the easiest way to compare rates consists of obtaining rate quotes online. This can be accomplished using a couple different methods.

  1. The most recommended method to compare a lot of rates at once is a comparison rater form. This type of form eliminates the need for repetitive form entry for each price estimate. A single form gets prices estimates from multiple low-cost companies.
  2. A slightly less efficient method to find better pricing is to manually visit the website of each company and fill out their own quote form. For example, let’s assume you want to compare prices for Allstate, GEICO and GMAC. To find out each rate you need to go to every website to enter the same coverage data repeatedly, which can take a lot of time.

The method you choose is up to you, but be certain you are entering equivalent coverages and limits for each quote you get. If you use different coverage information you will not be able to make a fair comparison for your Toyota Highlander Hybrid. Having just a slight variation in insurance coverages or limits may cause a big price difference. And when comparison shopping, having more price comparisons provides better odds of finding more affordable insurance.

Lower your insurance coverage rates with these five discounts

Not too many consumers would say insurance coverage is affordable, but you may find discounts to help offset the cost. Certain credits will be shown at the time you complete a quote, but some need to be asked about before you get the savings.

  • Good Drivers – Drivers without accidents could pay up to 40% less on Highlander Hybrid coverage than drivers with accident claims.
  • One Accident Forgiven – Not necessarily a discount, but some companies like State Farm and Progressive will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Low Mileage Discounts – Driving fewer miles could earn cheaper prices.
  • Auto/Life Discount – If the company offers life insurance, you could get lower prices if you buy life insurance.
  • Professional Organizations – Being in a civic or occupational organization is a good way to get lower rates on insurance coverage.

You should keep in mind that many deductions do not apply to the whole policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that you could get a free insurance coverage policy, nobody gets a free ride. Any qualifying discounts should definitely cut your overall premium however.

Large insurance coverage companies and a summarized list of policyholder discounts are shown below.

  • Progressive offers discounts including online quote discount, multi-policy, online signing, good student, and homeowner.
  • AAA offers discounts for multi-car, AAA membership discount, good student, good driver, anti-theft, pay-in-full, and education and occupation.
  • Farmers Insurance may have discounts that include youthful driver, electronic funds transfer, pay in full, good student, early shopping, teen driver, and mature driver.
  • GEICO may include discounts for daytime running lights, good student, emergency military deployment, seat belt use, and anti-theft.
  • Esurance has savings for Pac-12 alumni, online quote, safety device, multi-car, anti-theft, and multi-policy.
  • SAFECO includes discounts for safe driver, anti-theft, multi-car, bundle discounts, homeowner, teen safe driver, and drive less.
  • State Farm has discounts for defensive driving training, good driver, multiple autos, anti-theft, and Drive Safe & Save.

When quoting, ask each company what discounts are available to you. Some discounts listed above may not apply in your area.

You are unique and your auto insurance should be too

When it comes to buying adequate coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions might point out whether or not you would benefit from an agent’s advice.

  • What happens if I owe more than my 2017 Toyota Highlander Hybrid is worth?
  • How high should my uninsured/underinsured coverage be in my state?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I have newly-acquired coverage?
  • Do I pay less for low miles?
  • Why do I only qualify for high-risk insurance?
  • Do I benefit by insuring my home with the same company?
  • What exactly is covered by my policy?
  • Should I buy more coverage than the required minimum liability coverage?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete your zip code.

Auto insurance 101

Knowing the specifics of auto insurance can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. These are the usual coverages found on most auto insurance policies.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for short-term medical expenses for nursing services, EMT expenses and X-ray expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive auto insurance

This pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hitting a deer, falling objects and fire damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage

Collision coverage pays for damage to your Highlander Hybrid resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as scraping a guard rail, crashing into a building and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability coverages

This provides protection from damage or injury you incur to people or other property that is your fault. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for claims such as repair bills for other people’s vehicles, bail bonds and loss of income. How much coverage you buy is up to you, but consider buying higher limits if possible.

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