Lower Your 2021 Toyota Highlander Insurance Quotes in 2024

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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: Apr 17, 2024

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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.

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Want the cheapest insurance coverage rates for your Toyota Highlander? Have you finally had enough of wondering where the money will come from to pay your insurance coverage bill each month? Your situation is no different than many other people.

Many insurers compete for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the best price available.

If you currently have a car insurance policy, you stand a good chance to be able to save some money using these tips. Finding affordable coverage is not rocket science. Although car owners must know how big insurance companies compete online and apply this information to your search.

First Step: Get free insurance quotes

There are a variety of methods to shop for insurance, but one way is less time-consuming than others. You could waste time talking to local insurance agents in your area, or you can stay home and use online quoting for quick rates.

Many of the larger companies belong to an insurance system where prospective buyers enter their policy data once, and each participating company provides a quote based on the submitted data. This saves time by eliminating quote forms to each company.

To participate in this free quote system, enter your zip code here.

The only drawback to using this type of system is that consumers can’t choose which insurance companies you want to price. So if you prefer to choose specific insurance companies for rate comparison, we put together a list of low cost insurance companies in your area. Click to enter zip code for insurance companies.

It’s your choice how you get your quotes, but be sure to compare the exact same deductibles and coverage limits on every price quote you get. If you are comparing higher or lower deductibles then you won’t be able to determine which rate is truly the best. Just a small difference in insurance coverages or limits could throw off the whole comparison. And when price shopping your coverage, comparing more company’s prices provides better odds of finding a better price. Not every company allows you to get price estimates online, so it’s necessary to compare price quotes on coverage from those companies, too.

Beware of misleading auto insurance ads

Well-known auto insurance companies like Progressive, GEICO, Allstate and State Farm endlessly run ads on television and other media. They all try to convey promises about how much you will save if you switch your auto insurance policy to them. It sounds good, but how can they all cost less than your current company? You have to listen carefully.

Most companies can use profiling for the right customer they prefer to insure. A good example of a profitable insured might have to be between the ages of 30 and 50, has few claims, and drives a safe vehicle. Any new insured who matches that profile may get the lowest prices and is almost guaranteed to save money with a new company.

Consumers who do not meet these stringent criteria will see higher prices which usually ends up with business not being written. If you listen closely, the ads state “drivers who switch” not “all people who quote” save money. That’s the way insurance companies can confidently make claims like that. Different companies use different criteria so you really need to get car insurance quotes as often as possible. It’s impossible to know the company that will give you the biggest savings.

Discount car insurance quotes

Not too many consumers would say car insurance is affordable, but there are discounts available that could help you make your next renewal payment. A few discounts will automatically apply when you quote, but lesser-known reductions have to be asked for prior to receiving the credit.

  • Military Deployment Discount – Being deployed in the military may qualify for rate reductions.
  • Homeowners Discount – Just owning your own home can save you money since home ownership means you have a higher level of financial diligence.
  • Full Payment Discount – If you pay your entire premium ahead of time as opposed to paying monthly you could save up to 5%.
  • Renewal Discounts – Some car insurance companies reward drivers for renewing your policy prior to the expiration date on your current policy. You can save around 10% with this discount.
  • Student Discount for Driver Training – Teen drivers should take driver’s ed class as it can save substantially.

Discounts lower rates, but most credits do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, you aren’t that lucky.

Large car insurance companies and a summarized list of policyholder discounts include:

  • Progressive may have discounts that include good student, multi-policy, homeowner, online quote discount, and multi-vehicle.
  • AAA offers discounts including multi-policy, good student, anti-theft, pay-in-full, good driver, and education and occupation.
  • Farmers Insurance may offer discounts for electronic funds transfer, business and professional, bundle discounts, pay in full, homeowner, good student, and teen driver.
  • GEICO offers discounts for anti-lock brakes, multi-policy, driver training, seat belt use, five-year accident-free, emergency military deployment, and daytime running lights.
  • Esurance policyholders can earn discounts including online shopper, anti-theft, DriveSense, homeowner, and good student.
  • SAFECO offers premium reductions for multi-car, drive less, anti-lock brakes, anti-theft, and safe driver.
  • State Farm discounts include passive restraint, defensive driving training, accident-free, multiple policy, and student away at school.

Before you buy a policy, ask every company to give you their best rates. Some of the earlier mentioned discounts might not be offered everywhere. To see insurance companies with significant discounts, enter your zip code here.

Tailor your auto insurance coverage to you

When buying the right insurance coverage, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions might help in determining if your insurance needs might need an agent’s assistance.

  • Do I have coverage when making deliveries for my home business?
  • Am I covered by my spouse’s policy after a separation?
  • Should I buy full coverage?
  • Is extra glass coverage worth it?
  • What are the best liability limits?
  • How much underlying liability do I need for an umbrella policy?
  • What is covered by UM/UIM coverage?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out your zip code.

Specific coverages for a 2021 Toyota Highlander

Understanding the coverages of a auto insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages found on the average auto insurance policy.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your Toyota Highlander.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Comprehensive auto insurance – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as falling objects, a tree branch falling on your vehicle, damage from flooding, rock chips in glass and theft. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability insurance – Liability insurance can cover damage that occurs to a person or their property that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property.

Liability coverage pays for claims such as court costs, medical expenses, funeral expenses, structural damage and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for expenses for things like funeral costs, EMT expenses, doctor visits and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision coverage covers damage to your Highlander resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like sustaining damage from a pot hole, hitting a parking meter, crashing into a ditch, backing into a parked car and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to bring the cost down.

What is YOUR best insurance company?

There are still a few companies who may not have internet price quotes small, regional companies work with independent agencies. The cheapest 2021 Toyota Highlander insurance is available online and from local insurance agents, and you need to price shop both to get a complete price analysis.

When you buy car insurance online, do not skimp on coverage in order to save money. There have been many cases where an accident victim reduced uninsured motorist or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your strategy should be to buy enough coverage at a price you can afford.

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