How Much Does 2015 Toyota Highlander Insurance Cost?

Looking for lower insurance coverage rates for your Toyota Highlander? Have you fallen victim to high-priced insurance coverage? Trust us when we tell you there are many consumers feeling the pinch from expensive insurance coverage. Companies like Geico, 21st Century and Progressive constantly bombard you with fancy advertisements and it can be hard to separate fact from fiction and do the work needed to find the best deal.

It’s a good habit to compare rates quite often since insurance rates change regularly. Despite the fact that you may have had the best price for Highlander coverage last year you can probably find a lower rate today. Forget all the misinformation about insurance coverage because you’re about to learn the quickest way to save money, get proper deductibles and limits, all at the lowest rate.

Which Insurance is Cheapest?

All the larger insurance companies like Geico, State Farm and Progressive provide coverage prices online. This process is pretty painless as you simply enter the coverages you want as requested by the quote form. After the form is submitted, the system obtains information on your driving record and credit history and provides a quote determined by many factors. Quoting online makes comparing rates easy, but the time required to go to many different websites and enter the same data into a form can be a bit repetitive. Unfortunately, it is important to have as many quotes as possible in order to find better prices.

An easier way to find better insurance pricing utilizes a single form to return rates from several companies at one time. The form is fast, requires much less work on your part, and makes rate comparisons a lot less work. Immediately after you send the form, it gets priced with multiple companies and you can pick your choice of the returned quotes. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. This process can be completed in a matter of minutes and can result in significant savings.

To compare pricing, simply click here to open in new window and enter your information. If you have a policy now, it’s recommended you type in the coverage information as close as possible to your current policy. This makes sure you are getting an apples-to-apples comparison for exact coverage.

Can you really save $394 a year?

Consumers can’t get away from ads for cheaper car insurance by companies like Geico, State Farm and Progressive. All the ads have a common claim about savings if you change to them.

How can each company make almost identical claims?

Different companies have a certain “appetite” for the driver that is profitable for them. For example, a profitable customer might be a mature driver, a clean driving record, and has excellent credit. A driver who matches those parameters receives the best rates and most likely will save quite a bit of money when switching.

Drivers who are not a match for this ideal profile will have to pay higher rates and ends up with business going elsewhere. The ad wording is “people who switch” not “everybody who quotes” save that much. That’s the way companies can advertise the way they do. Because of the profiling, drivers must get as many quotes as possible. You cannot predict which insurance companies will fit your personal profile best.

Toyota Highlander insurance rates are influenced by…

Consumers need to have an understanding of the different types of things that come into play when calculating your car insurance rates. When you know what positively or negatively controls the rates you pay enables informed choices that may reward you with better car insurance rates.

The list below includes some of the items car insurance companies consider when setting rates.

Tickets mean higher rates – Just one ticket can bump up the cost twenty percent or more. Drivers who don’t get tickets get better rates compared to drivers with tickets. Drivers who have flagrant citations such as DUI or reckless driving may need to file a SR-22 with their state DMV in order to keep their license.
Never let your coverage lapse – Letting your insurance expire will be a fast way to increase your car insurance rates. Not only will rates go up, failure to provide proof of insurance might get you a license revocation or jail time.Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
Pleasure use saves money – Driving more miles in a year’s time the more you’ll pay to insure your vehicle. Most companies charge to insure your cars based upon how you use the vehicle. Autos used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. Double check that your car insurance coverage is showing the proper vehicle usage. Incorrect usage on your Highlander may be wasting your money.
Battle of the sexes – Statistics have proven women are more cautious behind the wheel. However, this does not mean men are WORSE drivers than women. They both tend to get into accidents in similar percentages, but the male of the species have costlier accidents. Men also tend to receive more costly citations like DUI and reckless driving. Teenage male drivers are several times more likely to be in an accident and thus pay the highest rates.
Younger drivers pay higher rates – Young drivers have a tendency to get distracted easily behind the wheel so they pay higher car insurance rates. If you’ve ever had to add a youthful driver to your car insurance policy can break the bank. Older drivers are more responsible, tend to file fewer claims and receive fewer citations.
Don’t skimp on liability – Liability insurance is the protection if a jury decides you are liable for causing damage or personal injury in an accident. It will provide legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.
Occupation reflects on rates – Did you know your occupation can influence how much you pay for car insurance? Careers like real estate brokers, social workers and financial analysts tend to pay higher average rates because of high stress levels and lengthy work days. Conversely, occupations such as actors, engineers and performers have the lowest average rates for Highlander coverage.

Save money by taking advantage of these discounts

Car insurance companies don’t necessarily list every available discount very well, so the following is a list of both the well known and the more hidden savings tricks you should be using. If you don’t get every credit you deserve, you’re paying more than you need to.

New Car Discount – Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
Homeowners Savings – Owning a home may trigger a insurance coverage policy discount due to the fact that maintaining a home demonstrates responsibility.
Accident Free – Good drivers with no accidents can save substantially when compared with frequent claim filers.
55 and Retired – Older drivers can possibly qualify for better insurance coverage rates for Highlander coverage.
Defensive Driving Course – Successfully completing a driver safety course can save you 5% or more depending on where you live.
Passive Restraint Discount – Vehicles equipped with air bags can get savings of up to 25% or more.
One Accident Forgiven – Certain companies permit an accident without raising rates as long as you don’t have any claims for a set time period.

Consumers should know that most discount credits are not given to the entire cost. Most only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, you’re out of luck.

A partial list of companies that may offer these benefits may include but are not limited to:

It’s a good idea to ask every prospective company how you can save money. All car insurance discounts might not be offered in your state.

When should I use an insurance agent?

When buying adequate coverage, there really is not a one size fits all plan. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that may help highlight whether you would benefit from professional advice.

Am I getting all the discounts available?
Is my nanny covered when driving my vehicle?
Why do I only qualify for high-risk insurance?
Are my tools covered if they get stolen from my vehicle?
Can I get a multi-policy discount for packaging my home and auto coverage?
Should I rate my 2015 Toyota Highlander as pleasure use or commute?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Car insurance 101

Understanding the coverages of your auto insurance policy can help you determine the right coverages for your vehicles. Auto insurance terms can be ambiguous and reading a policy is terribly boring. These are the normal coverages available from auto insurance companies.

Collision coverage protection

Collision insurance pays for damage to your Highlander caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like sideswiping another vehicle, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Coverage for liability

This can cover damage that occurs to other people or property by causing an accident. This insurance protects YOU from claims by other people, and 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. You commonly see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things like medical services, repair costs for stationary objects, bail bonds and court costs. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like surgery, EMT expenses and X-ray expenses. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like rock chips in glass, damage from a tornado or hurricane, hitting a deer, a tree branch falling on your vehicle and theft. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers 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 very important.

You can do this!

Cost effective 2015 Toyota Highlander insurance is definitely available online and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. Some companies do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

We just showed you quite a bit of information on how to shop for insurance online. The key thing to remember is the more companies you get rates for, the better chance you’ll have of finding lower rates. Drivers may discover the best prices are with an unexpected company. Some small companies can often provide lower rates in certain areas as compared to the big name companies such as Allstate and Progressive.