Compare 2023 Toyota Highlander Hybrid Insurance Quotes in 2024

Enter your zip code below to view companies that have cheap auto insurance rates.

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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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 better insurance coverage rates for your Toyota Highlander Hybrid? Purchasing budget-priced insurance coverage may at first seem to be somewhat intimidating for people that are not comfortable with quoting and comparison shopping online. With dozens of online companies available, how are people expected to effectively compare all the different companies and get the lowest price available?

You should make it a habit to compare rates at least once a year because prices are rarely the same from one policy term to another. Just because you had the best price for Highlander Hybrid insurance a year ago the chances are good that you can find a lower rate today. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to the fastest and easiest way to reduce your cost while improving coverage.

Buying car insurance is not rocket science. If you have car insurance now, you will be able to lower your premiums substantially using this information. Although vehicle owners must understand how the larger insurance companies market on the web and use this information to your advantage.

How to compare free auto insurance price quotes

When comparison shopping, there are several ways of comparing price quotes from auto insurance companies in your area. The fastest way to comparison shop consists of shopping online. This can be done using a couple different methods.

  1. If you’re in a hurry, the quickest way consumers can make multiple comparisons is to use a rate comparison form. This style of form eliminates the need for repetitive form entry for every auto insurance company. One simple form gets rate comparisons from multiple low-cost companies. It’s definitely the quickest method.
  2. A more difficult way to compare prices requires visiting the website for every company you want to compare to request a price quote. For examples sake, we’ll pretend you are doing a rate comparison from GEICO, State Farm and Progressive. You would be required to go to every website and type in your information over and over, and that explains why we recommend the first method.

You can choose any of those ways to find more affordable coverage, but double check that you are using exactly the same coverage limits and deductibles for each comparison quote. If your comparisons have different data it’s not possible to make a fair comparison for your Toyota Highlander Hybrid. Just a small difference in coverages can result in a big premium difference. Just remember that making a lot of price comparisons will enable you to find the best rates.

Discounts can really help save money

Car insurance companies don’t always advertise their entire list of discounts in a way that’s easy to find, so below is a list both well-publicized in addition to some of the lesser obvious credits available to lower your premiums when you buy auto insurance online.

  • Good Students Pay Less – Performing well in school may save as much as 25% on a auto insurance quote. You can use this discount normally well after school through age 25.
  • Drive Safe and Save – Safe drivers could pay up to 40% less for Highlander Hybrid insurance compared to accident prone drivers.
  • Federal Employees – Having worked for a branch of the government can save as much as 8% for Highlander Hybrid insurance with some car insurance companies.
  • No Claims – Drivers who don’t have accidents are rewarded with significantly better rates on auto insurance quote when compared with policyholders that have many claims.
  • Homeowners Savings – Owning a home can save you money because of the fact that having a home requires a higher level of personal finance.
  • Policy Bundle Discount – If you can combine your home and auto policy and place coverage with the same company you could get a discount of up to 20% off your total premium.
  • Organization Discounts – Having an affiliation with a qualifying organization can get you a small discount when shopping for car insurance.

You can save money using discounts, but some credits don’t apply to the entire policy premium. A few only apply to the price of certain insurance coverages like comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

Large car insurance companies and some of their more popular discounts include:

  • State Farm has savings for multiple autos, anti-theft, good student, passive restraint, and student away at school.
  • Progressive offers discounts including good student, continuous coverage, online quote discount, multi-vehicle, homeowner, online signing, and multi-policy.
  • Travelers may include discounts for driver training, student away at school, home ownership, hybrid/electric vehicle, continuous insurance, early quote, and good student.
  • American Family offers premium reductions for Steer into Savings, mySafetyValet, multi-vehicle, defensive driver, and accident-free.
  • Liberty Mutual may have discounts that include multi-car, multi-policy, new move discount, preferred payment discount, hybrid vehicle, and new graduate.

When getting a coverage quote, ask every company which discounts they offer. Some discounts might not be available to policyholders everywhere. To view insurers that can offer you the previously mentioned discounts, enter your zip code here.

Will just any policy work for me?

When buying coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is a little different.

These are some specific questions can aid in determining whether or not you could use an agent’s help.

  • How high should my medical payments coverage be?
  • Are all vehicle passengers covered by medical payments coverage?
  • How can I get high-risk coverage after a DUI?
  • Should I sign the liability waiver when renting a car?
  • What vehicles should carry emergency assistance coverage?
  • Do I need rental car coverage?
  • Can I afford to buy a different vehicle if my 2023 Toyota Highlander Hybrid is totaled?
  • Will I lose any money if I cancel my policy before it expires?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete your zip code.

Insurance coverages 101

Having a good grasp of a insurance policy helps when choosing which coverages you need for your vehicles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision)

This pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from a tornado or hurricane, damage from getting keyed, damage from flooding, falling objects and theft. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense insurance

Med pay and PIP coverage reimburse you for short-term medical expenses like hospital visits, prosthetic devices, EMT expenses and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for liability

Liability coverage provides protection from damage that occurs to people or other property in an accident. It protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as medical services, emergency aid, attorney fees, court costs and loss of income. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage protection

Collision insurance pays for damage to your Highlander Hybrid resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as damaging your car on a curb, colliding with another moving vehicle, driving through your garage door, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

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