2013 Toyota Highlander Car Insurance Rates – 6 Policy Discounts

Want cheaper auto insurance rates for your Toyota Highlander? I doubt anyone enjoys paying for auto insurance, especially knowing they could lower their rates if they shopped around.

Companies like Progressive, GEICO and Farmers Insurance continually bombard you with ad campaigns and it can be hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

You need to do price comparisons periodically since insurance prices are constantly changing. Just because you found the best price for Highlander coverage at your last renewal you will most likely find a better rate quote today. Forget all the misinformation about auto insurance because you’re about to learn one of the easiest ways to buy cheaper auto insurance.

If you currently have car insurance, you will most likely be able to reduce your rates substantially using these tips. Finding the best rates is quite easy. Nevertheless, car owners must learn the methods companies use to market insurance on the web.

Compare auto insurance quotes online

Performing a rate comparison can be a lot of work if you don’t utilize the fastest way to get free quotes. You can spend your afternoon talking to insurance companies in your area, or you can stay home and use the web to get pricing more quickly.

The majority of car insurance companies take part in a program where prospective buyers submit their information once, and every company then gives them pricing based on that information. This system prevents you from having to do quotation requests for each company.

To access this free quoting program, click here (opens in new window).

The one downside to getting quotes like this is that you can’t choose which insurance companies to get quotes from. So if you prefer to pick individual companies for rate comparison, we put together a list of companies who write auto insurance in your area. Click here for list of insurance companies.

The method you choose is up to you, but make sure you use the same coverage data for each comparison quote. If you enter unequal deductibles or liability limits it will be impossible to determine which rate is truly the best. Even a minor difference in limits can make a big difference in price. And when price shopping your coverage, making a lot of price comparisons will improve the odds of getting the best offered rates. Some regional insurers cannot provide rate quotes online, so it’s necessary to compare quotes from them, too.

Car insurance policy discounts you can’t miss

Car insurance can be pricey, but companies offer discounts that can dramatically reduce your bill. Larger premium reductions will be automatically applied when you purchase, but some may not be applied and must be inquired about before being credited.

  • Low Mileage Discounts – Driving less could earn substantially lower rates.
  • No Claims – Insureds with no claims or accidents can save substantially as opposed to policyholders that have many claims.
  • Telematics Devices – Drivers who agree to allow driving data collection to look at their driving habits by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction if they show good driving skills.
  • Club Memberships – Affiliation with certain professional organizations could trigger savings on car insurance.
  • Federal Employees – Having worked for a branch of the government could qualify for a slight premium decrease for Highlander coverage with certain companies.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) off PIP or medical payments premium.

Just know that many deductions do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think it’s possible to get free car insurance, car insurance companies aren’t that generous. Any amount of discount should help reduce the cost of coverage.

Some of the larger companies that may include these money-saving discounts possibly include:

Before you buy a policy, ask all the companies which credits you are entitled to. Some discounts may not be available in your area. To locate providers that have a full spectrum of discounts, follow this link.

Insurance agents can help

When it comes to choosing the best insurance coverage coverage, there really is not a “best” method to buy coverage. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out if your situation could use an agent’s help.

  • Is my camper covered by my car insurance policy?
  • Is my teenager covered with friends in the car?
  • When can I cancel my policy?
  • Why does it cost so much to insure a teen driver?
  • Do I need an umbrella policy?
  • Will my insurance pay for OEM parts?
  • What is the difference between comprehensive and collision coverage?

If you can’t answer these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Car insurance policy coverages for a 2013 Toyota Highlander

Learning about specific coverages of a car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages found on the average car insurance policy.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as damage to your Toyota Highlander.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Medical payments coverage and PIP – Med pay and PIP coverage pay for short-term medical expenses such as dental work, funeral costs and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Liability coverage – This coverage will cover damage or injury you incur to a person or their property. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as loss of income, funeral expenses, attorney fees and repair costs for stationary objects. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Comprehensive coverage – This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a broken windshield, vandalism and rock chips in glass. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision – Collision coverage will pay to fix damage to your Highlander caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sustaining damage from a pot hole, sideswiping another vehicle, hitting a mailbox, rolling your car and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

In conclusion

As you shop your coverage around, never buy less coverage just to save a little money. In too many instances, drivers have reduced uninsured motorist or liability limits only to find out that they should have had better coverage. Your goal should be to buy a smart amount of coverage at the best cost but still have enough coverage for asset protection.

More affordable insurance coverage can be purchased on the web and with local insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance companies do not provide the ability to get a quote online and most of the time these smaller providers only sell coverage through independent agents.

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