View 2022 Toyota Highlander Car Insurance Quotes in 2024

Trying to find low-cost insurance for a Toyota Highlander could be an all-consuming task, but you can use our insurance buying tips to find lower rates. There is a better way to buy insurance and you need to know the quickest way to compare rates for your Toyota and get the best price possible from local insurance agents and online providers.

It’s a great practice to get comparison quotes every six months since insurance rates tend to go up over time. Even if you got the lowest rate on Highlander insurance a couple years back there may be better deals available now. Don’t believe everything you read about insurance on the internet, but in this article, you’re going to get some good information on how to reduce your insurance bill.

The most recommended method to compare rate quotes utilizes the fact almost all companies participate in a system to compare rate quotes. To begin a comparison, all you need to do is give them some information including whether you drive to work or school, your education level, the year, make and model of vehicles, and types of safety features. The rating information is automatically sent to many of the top insurers and they respond with quotes very quickly.

To compare rates now, click here and find out if you can get cheaper insurance.

You may qualify for discounts

Car insurance is expensive, but discounts can save money and there are some available that could drop your premiums quite a bit. Larger premium reductions will be automatically applied when you get a quote, but a few need to be asked about before you will receive the discount.

• Passive Restraint Discount – Factory air bags may get savings of up to 25% or more.
• Full Payment Discount – If you can afford to pay the entire bill instead of monthly or quarterly installments you can actually save on your bill.
• Anti-lock Brake Discount – Vehicles with anti-lock braking systems have fewer accidents so you can save 10 percent or more.
• Lower Rates for Military – Having an actively deployed family member may lower your prices slightly.
• Good Grades Discount – Being a good student can get you a discount of up to 25%. This discount can apply up to age 25.
• Theft Deterrent System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
• Discounts for Cautious Drivers – Insureds who avoid accidents can save as much as half off their rates on Highlander insurance than less cautious drivers.
• Homeowners Savings – Owning a house may trigger a policy discount on car insurance since home ownership is proof of financial responsibility.
• Federal Employees – Employees or retirees of the government can earn a discount up to 10% on Highlander insurance with certain companies.
• Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn lower car insurance rates if you buy life insurance from them.

A quick disclaimer, most discount credits are not given to the whole policy. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

A few popular companies and the discounts they provide are:

• State Farm offers discounts for passive restraint, multiple policy, multiple autos, accident-free, Drive Safe & Save, and student away at school.
• Farmers Insurance discounts include bundle discounts, alternative fuel, youthful driver, homeowner, pay in full, switch companies, and business and professional.
• Progressive may include discounts for good student, online quote discount, multi-policy, homeowner, online signing, and continuous coverage.
• GEICO may have discounts that include military active duty, air bags, daytime running lights, federal employee, and emergency military deployment.
• Auto-Owners Insurance policyholders can earn discounts including anti-theft, safe driver, multiple vehicles, group or association, paperless, safe vehicle, and student away at school.
• The Hartford offers discounts including defensive driver, driver training, anti-theft, good student, bundle, air bag, and vehicle fuel type.
• Farm Bureau has savings for safe driver, good student, youthful driver, renewal discount, multi-vehicle, and multi-policy.
• USAA includes discounts for safe driver, driver training, loyalty savings, multi-policy, new vehicle, family discount, and vehicle storage.

Before you buy a policy, ask all companies you are considering what discounts are available to you. Some of the earlier mentioned discounts might not be available to policyholders in your area. If you would like to see a list of insurers who offer discounts, enter your zip code here.

There’s no such thing as the perfect auto insurance policy

When buying coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique.

Here are some questions about coverages that might point out if your insurance needs will benefit from professional help.

• Does car insurance cover theft of personal property?
• How can I find cheaper teen driver insurance?
• Why am I required to buy liability insurance?
• Can I rent a car in Mexico?
• Does insurance cover tools stolen from my truck?
• Is a new car covered when I drive it off the dealer lot?
• Who is covered when they drive my 2022 Toyota Highlander?
• Does my 2022 Toyota Highlander qualify for pleasure use?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and enter your zip code. It is quick, free and can provide invaluable advice.

Auto insurance coverage breakdown

Understanding the coverages of your auto insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for immediate expenses for surgery, doctor visits, EMT expenses, chiropractic care and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 2022 Toyota Highlander.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Liability

Liability insurance provides protection from damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property.

Liability coverage pays for claims like loss of income, legal defense fees and emergency aid. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Comprehensive (Other than Collision)

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, fire damage, damage from flooding, vandalism and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage protection

This coverage will pay to fix damage to your Highlander resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as rolling your car, sideswiping another vehicle, hitting a parking meter, crashing into a building and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.