How Much Does 2004 Toyota Highlander Car Insurance Cost?

Looking for lower insurance rates for your Toyota Highlander? Did you fall for a flashy sales pitch and buy high-priced insurance? Believe me, you’re not alone. Since consumers have many different company options, it can be challenging to find the lowest price insurer.

The quickest way to compare car insurance company rates is to know the trick most of the larger companies actually pay money for the chance to give rate comparisons. To get started, all you need to do is give them some information like if a SR-22 is needed, how old drivers are, if it has an anti-theft system, and if your license is active. Your details is then submitted to multiple insurance coverage providers and you get price estimates quickly.

Which insurance is the “right” coverage?

When choosing coverage, there is no single plan that fits everyone. Each situation is unique so your insurance should reflect that Here are some questions about coverages that could help you determine whether or not you would benefit from an agent’s advice.

  • Will my insurance pay for OEM parts?
  • What is PIP insurance?
  • How can I find cheaper teen driver insurance?
  • Does my insurance cover a custom paint job?
  • Do I need more liability coverage?
  • Does my 2004 Toyota Highlander qualify for pleasure use?

If you can’t answer these questions, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverage options for a Toyota Highlander

Understanding the coverages of a auto insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most auto insurance policies.

Collision coverage – This pays for damage to your Highlander resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like colliding with another moving vehicle, sideswiping another vehicle, sustaining damage from a pot hole, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2004 Toyota Highlander.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for immediate expenses like hospital visits, nursing services, prosthetic devices, surgery and rehabilitation expenses. They are used in conjunction with a health insurance program or if there is no health insurance coverage. They cover you and your occupants in addition to getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hail damage, hitting a bird, falling objects and a broken windshield. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability – This coverage will cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims, 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. Your policy might show values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things like medical services, repair costs for stationary objects and legal defense fees. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.