2015 Toyota Highlander Hybrid Car Insurance Cost – 9 Discounts for Best Prices

Searching for lower insurance rates for your Toyota Highlander Hybrid? Locating low-cost insurance for a new or used Toyota Highlander Hybrid can be difficult, but you can learn the following methods to make it easier.

There are more efficient ways to buy insurance so you’re going to learn the proper way to compare rates on a Toyota and locate the best price possible from both online companies and local agents.

Don’t overlook these nine insurance discounts

Insurance is expensive, but you might be missing out on some discounts that you may not know about. Some trigger automatically when you complete an application, but some discounts are required to be asked for before they will apply.

  • No Charge for an Accident – This one isn’t a discount, but a handful of insurance companies will let one accident slide before raising your premiums if your claims history is clear for a specific time period.
  • Savings for New Vehicles – Adding a new car to your policy can save you some money because newer vehicles are generally safer.
  • Theft Prevention System – Cars equipped with tracking devices and advanced anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles have fewer accidents so you can save 10 percent or more.
  • Government Employee Discount – Simply working for the federal government could cut as much as 10% off for Highlander Hybrid coverage but check with your company.
  • Good Driver Discount – Safe drivers may save up to 50% more for Highlander Hybrid coverage than less cautious drivers.
  • No Claims – Drivers who don’t have accidents get the best insurance rates compared to accident-prone drivers.
  • Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them complete a driver education course if offered at their school.
  • Pay Upfront and Save – By paying your entire bill at once as opposed to paying monthly you could save 5% or more.

One thing to note about discounts is that some credits don’t apply the the whole policy. Most only apply to individual premiums such as comp or med pay. So even though it sounds like you can get free auto insurance, you won’t be that lucky. But any discount will definitely reduce your insurance premiums.

Popular insurance companies and their offered discounts include:

  • State Farm has savings for defensive driving training, driver’s education, good student, multiple autos, accident-free, and Steer Clear safe driver discount.
  • GEICO may include discounts for federal employee, defensive driver, air bags, five-year accident-free, and membership and employees.
  • Allstate includes discounts for good payer, FullPay discount, farm vehicle, anti-lock brakes, and economy car.
  • SAFECO may have discounts that include homeowner, teen safety rewards, drive less, accident prevention training, multi-car, safe driver, and bundle discounts.
  • Farm Bureau offers premium reductions for renewal discount, multi-vehicle, good student, multi-policy, and safe driver.
  • Progressive offers discounts for good student, online signing, homeowner, multi-policy, online quote discount, continuous coverage, and multi-vehicle.
  • AAA discounts include multi-car, good driver, good student, anti-theft, and multi-policy.

If you need affordable insurance coverage quotes, ask each company or agent which discounts you qualify for. Depending on the company, some discounts may not be offered in every state. To find companies that provide some of the discounts listed above, click here to view.

When to get professional advice

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every situation is different.

For example, these questions may help highlight whether or not you might need an agent’s assistance.

  • I have health insurance so do I need medical payments coverage?
  • Am I covered if hit by an uninsured driver?
  • Does coverage extend to Mexico or Canada?
  • When should my teen driver be added to my policy?
  • Is my dog or cat covered if injured in an accident?
  • Do I have coverage when making deliveries for my home business?
  • When would I need rental car insurance?
  • Does coverage extend to my business vehicle?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Be skeptical of auto insurance ads

Consumers get pounded daily by advertisements for auto insurance savings from the likes of State Farm, GEICO and Progressive. They all advertise claims that drivers will save a bundle if you move your policy.

It sounds good, but how can they all make the same claim? Just pay attention to how they say it.

Insurance companies give the best rates for the driver that will be a good risk. For example, a desirable risk may need to be over the age of 45, has no tickets, and has a high credit rating. Any customer that meets those criteria is entitled to the best price as well as save money with a new company.

Potential insureds who cannot meet the ideal profile will probably have to pay a more expensive rate and this results in the customer not purchasing. Company advertisements say “customers who switch” not “everybody who quotes” save that much. That’s the way companies can truthfully make the claims of big savings.

Because of these techniques, you really should compare price quotes frequently. It is impossible to predict which company will have the lowest rate quotes.

Car insurance coverage considerations

Having a good grasp of car insurance can help you determine appropriate coverage and the correct deductibles and limits. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Liability – Liability coverage provides protection from damage that occurs to other people or property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like structural damage, medical services and medical expenses. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Collision coverages – Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like driving through your garage door, colliding with a tree and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Toyota Highlander Hybrid.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Usually these coverages are similar to your liability insurance amounts.

Comprehensive protection – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, theft, a broken windshield, fire damage and falling objects. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense coverage – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like doctor visits, dental work and chiropractic care. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Smart consumers save more

When searching for the cheapest insurance coverage quotes, do not buy less coverage just to save a little money. There are many occasions where an insured cut uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The aim is to buy the best coverage you can find at the best price and still be able to protect your assets.

Consumers who switch companies do it for a number of reasons such as an unsatisfactory settlement offer, high rates after DUI convictions, policy cancellation or even extreme rates for teen drivers. Whatever your reason, choosing a new company is not as difficult as it may seem.

You just learned many tips how you can lower your 2015 Toyota Highlander Hybrid insurance rates. The most important thing to understand is the more times you quote, the higher your chance of finding affordable insurance coverage. You may even find the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising.

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