2015 Toyota Highlander Insurance Rates – 5 Tips for Cheaper Quotes

Trying to find better insurance rates for your Toyota Highlander? Overpriced Toyota Highlander insurance can dwindle your personal savings and force you to prioritize other expenses. Comparing price quotes is a great way to make sure you’re not throwing money away.

Popular companies such as Progressive, GEICO and Farmers Insurance constantly blast consumers with fancy advertisements and consumers find it hard to see past the geckos and flying pigs and do the work needed to find the best deal.

Insurance Coverage Comparisons

There are several ways to get quotes from different insurance companies. The easiest way by far to compare 2015 Toyota Highlander insurance prices is to use the internet to compare rates. This is very easy and can be done in just a few minutes using one of these methods.

  1. The most efficient way to find low rates is an all-inclusive rate comparison like this one (opens in new window). This form keeps you from doing repetitive form submissions for each company you want a rate for. A single form will get you price quotes from multiple companies.
  2. A harder way to get comparison quotes requires you to visit the website for each individual company and complete a new quote form. For example, let’s assume you want rates from USAA, Safeco and Progressive. To get each rate you have to go to every website and enter your information, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.

Which method you use is up to you, but be sure to compare apples-to-apples information with each company. If you use higher or lower deductibles it will be next to impossible to determine which rate is truly the best. Quoting even small variations in limits could mean much higher rates. And when comparing insurance coverage rates, know that more quotes helps you find the best rates.

Don’t be fooled by advertising claims

Insurance coverage companies such as 21st Century, Allstate and State Farm continually stream ads on TV and radio. They all seem to have a common claim that you can save after switching to their company. How do they all make almost identical claims?

All the different companies have a preferred profile for the right customer they prefer to insure. For example, a driver they prefer might be over the age of 50, has no prior claims, and drives less than 10,000 miles a year. Any new insured that hits that “sweet spot” will get the preferred rates and is almost guaranteed to cut their rates substantially.

Potential insureds who fall outside this ideal profile will be charged a higher premium and ends up with the customer not buying. The ads state “people who switch” but not “drivers who get quotes” save money. That’s why insurance companies can state the savings.

That is why it is so important to get as many quotes as possible. It’s not possible to predict which company will fit your personal profile best.

Take these five discounts and save

Insuring your vehicles can cost a lot, but there are discounts available that can drop the cost substantially. Some trigger automatically at quote time, but less common discounts must be asked about prior to getting the savings.

  • Braking Control Discount – Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
  • Defensive Driving Course – Taking a course teaching defensive driving skills could cut 5% off your bill if you qualify.
  • Distant Student – Youth drivers who are attending college and do not have a car can be insured at a reduced rate.
  • Organization Discounts – Belonging to certain professional organizations could trigger savings on your policy on Highlander coverage.
  • Drivers Education – Require your teen driver to successfully complete driver’s ed class in high school.

Keep in mind that most discounts do not apply to the entire cost. Most cut the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears it’s possible to get free car insurance, it doesn’t quite work that way. But any discount will reduce the cost of coverage.

Companies who might offer these benefits may include but are not limited to:

It’s a good idea to ask every prospective company which discounts you may be entitled to. Some discounts might not be offered in every state.

Which policy gives me the best coverage?

When choosing coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions may help highlight if your situation would benefit from professional advice.

  • Why is insurance for a teen driver so high?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Which companies will insure high-risk drivers?
  • What is an SR-22 filing?
  • Do I pay less if my vehicle is kept in my garage?
  • Should I put collision coverage on all my vehicles?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Learn about auto insurance coverages for a 2015 Toyota Highlander

Understanding the coverages of your policy aids in choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are the normal coverages available from auto insurance companies.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like sustaining damage from a pot hole, colliding with another moving vehicle and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Auto liability

This can cover damage or injury you incur to a person or their property by causing an accident. 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 liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like medical services, court costs, legal defense fees, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is your choice, but you should buy higher limits if possible.

Comprehensive coverage

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as fire damage, vandalism, hail damage and damage from flooding. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Toyota Highlander.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Most of the time these limits do not exceed the liability coverage limits.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for bills such as doctor visits, funeral costs, prosthetic devices and hospital visits. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Saving money makes a lot of cents

Budget-conscious 2015 Toyota Highlander insurance is possible online and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. Some companies may not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

As you go through the steps to switch your coverage, do not reduce coverage to reduce premium. In many instances, an insured dropped liability limits or collision coverage only to find out that it was a big error on their part. The proper strategy is to buy enough coverage for the lowest price while not skimping on critical coverages.

We just showed you a lot of tips how to save on insurance. The key concept to understand is the more quotes you get, the better your comparison will be. You may even discover the most savings is with a small local company. Some small companies may often insure only within specific states and give getter rates compared to the large companies like Progressive or GEICO.

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