2020 Toyota Highlander Hybrid Insurance Quotes in 2024 – 9 Tricks 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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Finding more affordable prices for car insurance can be very difficult for drivers who are beginners to comparing rates online. Drivers have so many choices that it can easily become a ton of work to find the perfect company for you.

You need to take a look at other company’s rates at least once a year because rates change quite often. Despite the fact that you may have had the best premium rates for Highlander Hybrid coverage a couple years back there is a good chance you can find better prices now. Block out anything you think you know about car insurance because it’s time to teach you the things you must know in order to find better rates and still maintain coverage.

How to get auto insurance price quotes

When shopping for cheap auto insurance quotes, there are a couple of ways to compare rate quotes from many auto insurance companies in your state. The easiest way to do a complete rate comparison is to use the internet to compare rates. It is quite easy and can be accomplished using a couple different methods.

  1. Experts agree that the best way consumers can make multiple comparisons would be an industry-wide quote request form. This style of form saves time by eliminating repetitive form submissions for each company you want a rate for. One form submission will return price quotes instantly. It’s the fastest way to compare.
  2. A less efficient way to compare prices consists of visiting each individual company website to complete their respective quote request forms. For instance, we’ll pretend you want to get rates from State Farm, Farmers and American Family. You would have to spend time going to each site individually to input your insurance information, which is why first method is recommended.
  3. The least recommended way to compare rates is going to insurance agents’ offices. Shopping for auto insurance online eliminates this option unless your situation requires the trained advice of a local agent. It is possible to obtain prices from the web but purchase the actual policy in an agency.

Whichever way you use, be certain you are entering identical quote information for each quote you get. If each company quotes different liability limits then you won’t be able to determine which company has the best rates. Even a minor difference in insurance coverages may cause a big price difference. And when price shopping your coverage, comparing a large number of companies will enable you to find the best rates. Not every company provides online rate quotes, so it’s important to compare price estimates on coverage from those companies, too.

Drivers can save with these nine discounts

Car insurance can cost a lot, but there could be available discounts that you may not even know about. Some discounts will apply at the time of purchase, but some may not be applied and must be requested specifically before they will apply.

  • Early Switch Discount – Some insurance coverage companies give discounts for signing up prior to your current policy expiring. You can save around 10% with this discount.
  • Sign Online – Some of the larger companies give back up to $50 for completing your application online.
  • Safety Course Discount – Taking part in a course in safe driver could earn you a small percentage discount and make you a better driver.
  • Discounts for Cautious Drivers – Drivers without accidents may receive a discount up to 45% for Highlander Hybrid coverage compared to accident prone drivers.
  • ABS and Traction Control Discounts – Vehicles with ABS braking systems or traction control are safer to drive so companies give up to a 10% discount.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems could see savings of 20% or more.
  • Good Students Pay Less – A discount for being a good student may save as much as 25% on a auto insurance quote. This discount can apply until age 25.
  • Telematics Data – People who choose to allow data collection to analyze driving habits remotely like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction as long as they are good drivers.
  • Anti-theft Discount – Cars, trucks, and SUVs with anti-theft systems help deter theft and that can save you a little bit as well.

Keep in mind that most discounts do not apply to the whole policy. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears it’s possible to get free car insurance, you aren’t that lucky.

Popular insurance coverage companies and some of the discounts are outlined below.

  • AAA may include discounts for anti-theft, multi-policy, AAA membership discount, education and occupation, pay-in-full, and multi-car.
  • Progressive policyholders can earn discounts including online signing, multi-vehicle, online quote discount, good student, homeowner, continuous coverage, and multi-policy.
  • State Farm has discounts for good driver, anti-theft, multiple autos, good student, accident-free, and Drive Safe & Save.
  • Esurance offers premium reductions for good student, claim free, defensive driver, multi-car, good driver, and anti-theft.
  • Nationwide offers discounts including anti-theft, good student, defensive driving, business or organization, and family plan.

When getting a coverage quote, ask every prospective company how many discounts you can get. Some of the discounts discussed earlier might not be offered in every state. To see insurance coverage companies with significant discounts, enter your zip code here.

Special considerations

When it comes to choosing proper insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different.

For instance, these questions might help in determining whether you may require specific advice.

  • What is UM/UIM insurance?
  • Do I need rental car coverage?
  • Does coverage extend to a rental car in a foreign country?
  • Should I have combined single limit or split liability limits?
  • Who is covered by my policy?
  • How many claims can I have before being cancelled?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, simply complete your zip code.

Can you really save that much by switching?

Insurance providers like Progressive, GEICO, Allstate and State Farm continually stream ads in print and on television. They all seem to make the same claim about savings if you move your insurance policy to them. How is it plausible that every one can charge less that you’re paying now? Here is the trick they use.

Insurance companies give the best rates for the type of driver that makes them money. An example of a driver they prefer should be between 25 and 40, has a clear driving record, and drives a lower-performance vehicle. Any new insured who meets those qualifications receive the lowest rate quotes and will probably save a lot of money.

Insureds who are not a match for these stringent criteria may receive a more expensive rate and ends up with the customer not buying. If you pay close attention to the ads, they say “customers who switch” not “all people who quote” can save as much as they claim. That’s the way companies can advertise the way they do.

Different companies use different criteria so you should get price quotes at each policy renewal. Because you never know which company will be your best fit.

Insurance policy coverages for a 2020 Toyota Highlander Hybrid

Knowing the specifics of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Auto collision coverage

Collision coverage pays for damage to your Highlander Hybrid resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like crashing into a ditch, rolling your car, damaging your car on a curb, sideswiping another vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like a broken windshield, theft, falling objects, a tree branch falling on your vehicle and damage from flooding. The highest amount you can receive from a comprehensive 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.

Coverage for liability

This can cover damages or injuries you inflict on a person or their property. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

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 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as medical services, attorney fees and bail bonds. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like rehabilitation expenses, nursing services, EMT expenses, hospital visits and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Toyota Highlander Hybrid.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Have the Midas touch

When shopping online for auto insurance, it’s a bad idea to reduce needed coverages to save money. There have been many situations where an insured cut liability coverage limits only to regret at claim time that the savings was not a smart move. Your aim should be to find the BEST coverage at the best cost, but don’t skip important coverages to save money.

Insureds change insurance companies for any number of reasons including an unsatisfactory settlement offer, not issuing a premium refund, extreme rates for teen drivers or being labeled a high risk driver. Regardless of your reason, switching auto insurance companies is pretty easy and you might even save some money in the process.

Throughout this article, we presented many ideas to get a better price on 2020 Toyota Highlander Hybrid insurance. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. Consumers could even find that the most savings is with a lesser-known regional company.

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