2009 Toyota Highlander Hybrid Insurance Rates

Expensive insurance can overdraw your savings account and make it impossible to make ends meet. Shopping your coverage around is a great way to cut your insurance bill.

There are many auto insurance companies to choose from, and although it’s a good thing to have a selection, having more auto insurance companies makes it harder to compare company pricing.

Consumers need to compare rates before your policy renews because insurance rates are adjusted regularly by insurance companies. Even if you got the best rates on Highlander Hybrid coverage a couple years back there may be better deals available now. Forget anything you know (or think you know) about insurance because we’re going to demonstrate how to use the internet to save money, get proper deductibles and limits, all at the lowest rate.

These discounts can slash auto insurance rates

Companies offering auto insurance don’t list every discount in an easy-to-find place, so we took the time to find some of the more common and the harder-to-find savings tricks you should be using.

  • Bundle and Save – If you insure your home and vehicles with one company you may earn at least 10% off all policies.
  • Club Memberships – Participating in a civic or occupational organization could trigger savings when buying auto insurance on Highlander Hybrid coverage.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.
  • Passive Restraints – Cars that have air bags or motorized seat belts can get savings up to 30%.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Driver Safety – Taking part in a course in driver safety could cut 5% off your bill depending on where you live.

It’s important to note that many deductions do not apply to all coverage premiums. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, it doesn’t quite work that way.

To see a list of providers with the best auto insurance discounts, click here.

These factors can influence what you pay for Toyota Highlander Hybrid insurance

An important part of buying insurance is that you know the factors that help determine the price you pay for auto insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that may reward you with better auto insurance rates.

  • Rates may be higher depending on your occupation – Did you know your job can affect your rates? Jobs such as lawyers, architects and stock brokers have the highest rates because of high stress and long work days. On the other hand, professions such as pilots, students and performers get better rates on Highlander Hybrid coverage.
  • Lower rates with optional equipment – Purchasing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.
  • Liability coverage is cheap – The liability section of your policy is the protection when a jury decides you are liable for damages from an accident. It will provide for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not cut corners here.
  • Always keep insurance in force – Having an insurance coverage lapse will be a guaranteed way to trigger a rate increase. And not only will your rates increase, but being ticketed for driving with no insurance may earn you a license revocation or jail time.
  • Where you reside plays a part – Residing in a rural area can save you money when insuring your vehicles. Fewer people means reduced accidents and also fewer theft and vandalism claims. City drivers regularly have traffic congestion and longer commute times. Higher commute times can result in more accidents.
  • How many coverages with the same company – Many insurers give discounts to customers who carry more than one policy in the form of a multi-policy discount. Even if you’re getting this discount you still need to compare rates to confirm you are receiving the best rates possible.
  • Do you need those extra coverages? – There are a ton of additional coverages that you can get tricked into buying if you aren’t careful. Things like roadside assistance, accidental death and term life insurance are examples of these. These may sound like a good investment initially, but if they’re wasting money remove them from your policy.

When might I need the advice of an agent?

When choosing adequate coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s needs are different so your insurance should reflect that These are some specific questions might point out if your insurance needs would benefit from an agent’s advice.

  • When should my teen driver be added to my policy?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What is PIP insurance?
  • Do I have newly-aquired coverage?
  • Do I need more liability coverage?
  • Will filing a claim cost me more?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

The fine print in auto insurance ads

Auto insurance providers like Progressive, Allstate and GEICO constantly bombard you with ads on TV and radio. They all have a common claim that you can save if you switch your coverage to them. How does each company make the same claim?

All the different companies have a certain “appetite” for the driver that is profitable for them. For example, a driver they prefer might be profiled as over the age of 40, insures multiple vehicles, and drives less than 7,500 miles a year. A customer who matches those parameters will get very good rates and therefore will save a lot of money.

Potential insureds who don’t qualify for this ideal profile will have to pay a higher premium and this can result in the driver buying from a lower-cost company. Company advertisements say “people who switch” not “people who quote” save money. That’s why companies can truthfully make those claims. Because of the profiling, you absolutely need to get as many quotes as possible. It’s not possible to predict which company will fit your personal profile best.

Specific coverage details

Having a good grasp of auto insurance can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. These are typical coverage types offered by auto insurance companies.

Auto liability insurance

Liability coverage can cover damage that occurs to other’s property or people in an accident. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like medical expenses, court costs and medical services. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Collision protection

This will pay to fix damage to your Highlander Hybrid caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like sideswiping another vehicle, hitting a mailbox, damaging your car on a curb, colliding with a tree and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 2009 Toyota Highlander Hybrid.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for surgery, prosthetic devices and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like rock chips in glass, hitting a bird and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Be a money saver!

We just covered some good ideas how you can save on 2009 Toyota Highlander Hybrid insurance. The key concept to understand is the more you quote, the better your chances of lowering your rates. You may be surprised to find that the most savings is with a company that doesn’t do a lot of advertising. Smaller companies often have lower prices on specific markets compared to the large companies like Progressive or GEICO.

As you go through the steps to switch your coverage, you should never sacrifice coverage to reduce premiums. There are a lot of situations where consumers will sacrifice uninsured motorist or liability limits to discover at claim time that the savings was not a smart move. The aim is to buy the best coverage you can find at a price you can afford while still protecting your assets.

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