Save on 2012 Toyota Highlander Car Insurance Quotes

Are you a victim of an overpriced auto insurance policy? Believe me when I say there are many people just like you. Many insurance companies vie for your insurance dollar, and because of this it can be hard to compare insurance companies and uncover the absolute lowest rate possible.

It’s a great practice to compare prices before your policy renews because insurance rates fluctuate regularly. Just because you had the lowest price for Highlander coverage two years ago a different company probably has better rates today. So ignore everything you know about auto insurance because you’re going to learn the quickest way to remove unneeded coverages and save money.

How to Compare Car Insurance

Shopping for lower car insurance rates can be challenging if you don’t understand the best way to get rate quotes. You can spend countless hours talking about coverages with agents in your area, or you could save time and use online quotes to get rates in a matter of minutes.

Many insurance companies participate in an industry program where prospective buyers send in one quote, and every company can provide price quotes based on that information. This system prevents you from having to do quotation requests for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The only drawback to doing it this way is buyers cannot specifically choose which insurance companies you want pricing from. If you would rather choose specific providers to request quotes from, we put together a list of low cost car insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just double check that you are using the exact same quote information on every quote you get. If you enter different limits and deductibles on each one it will be very difficult to make a fair comparison for your Toyota Highlander.

Cut prices on 2012 Toyota Highlander insurance

Companies offering auto insurance don’t necessarily list all their discounts very well, so we took the time to find some of the more common as well as the least known car insurance savings. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Memberships – Being a member of a qualifying organization could trigger savings when shopping for car insurance for Highlander coverage.
  • Homeowners Discount – Being a homeowner may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Drivers Education – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
  • Life Insurance – Some companies give lower rates if you buy auto and life insurance together.
  • Claim Free – Drivers who don’t have accidents pay less when compared to bad drivers.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy qualifies for this discount.
  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts could save 15% off your PIP or medical payments premium.
  • Good Student Discount – Performing well in school can save 20 to 25%. Earning this discount can benefit you up to age 25.
  • Government Employees – Simply working for the federal government may qualify you for a discount for Highlander coverage with certain companies.

It’s important to note that most discount credits are not given to all coverage premiums. Some only reduce the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, you won’t be that lucky.

Insurance companies that possibly offer some of the above discounts are:

Double check with each insurance company what discounts are available to you. Savings might not apply everywhere.

Tailor your coverage to you

When buying the best insurance coverage coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that might point out whether or not you might need an agent’s assistance.

  • Does coverage extend to Mexico or Canada?
  • Do I need PIP coverage since I have good health insurance?
  • Is my 2012 Toyota Highlander covered for flood damage?
  • Where can I get insurance after a DUI in my state?
  • Why am I required to buy high-risk coverage?
  • Is my state a no-fault state?
  • What discounts do I qualify for?
  • Does insurance cover damages from a DUI accident?
  • Do I need higher collision deductibles?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Information about specific coverages

Having a good grasp of a auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Auto insurance terms can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverage types available from auto insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Toyota Highlander.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like rock chips in glass, hail damage and hitting a bird. The maximum amount a auto insurance company will pay at claim time 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.

Liability coverage

This protects you from injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as medical services, bail bonds, medical expenses, structural damage and loss of income. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like sustaining damage from a pot hole, damaging your car on a curb, backing into a parked car, rolling your car and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like doctor visits, pain medications and X-ray expenses. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover you and your occupants in addition to being hit by a car walking across the street. PIP is not universally available and may carry a deductible