View 2013 Toyota Highlander Insurance Cost

Want lower insurance coverage rates for your Toyota Highlander? Are you a victim of high-priced insurance coverage? Believe me, there are many consumers feeling the pinch from expensive insurance coverage. Since consumers have many choices, it is hard for the average consumer to find the best company.

It’s a good habit to compare rates yearly due to the fact that insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the best rates on Highlander insurance a year ago you will most likely find a better rate today. There is a lot of bad information regarding insurance coverage online but I’m going to show you the best ways to save money.

The easiest way to compare policy rates takes advantage of the fact most of the bigger providers participate in online systems to provide you with a free rate quote. The only thing you need to do is provide the companies a bit of rating information including whether you are married, deductibles desired, how your vehicles are used, and if a SR-22 is required. That information is sent automatically to many of the top insurers and they return quotes with very little delay.

To start a quote now, click here and find out if you can get cheaper insurance.

Cut prices on Toyota Highlander insurance

Companies don’t list every available discount very well, so we break down some of the more common and also the lesser-known savings tricks you should be using. If you don’t get every credit possible, you’re just leaving money on the table.

  • Senior Citizens – Mature drivers may qualify for better insurance rates on Highlander insurance.
  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less on Highlander insurance than less cautious drivers.
  • Accident Waiver – A handful of insurance companies permit an accident without raising rates as long as you don’t have any claims prior to the accident.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy could earn a price break for each car.
  • Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off on Highlander insurance with a few insurance companies.

Keep in mind that most of the big mark downs will not be given to the entire cost. Most cut specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, you’re out of luck.

Companies that may have these money-saving discounts include:

Check with every prospective company which discounts they offer. All car insurance discounts may not apply in your state.

Elements that influence Toyota Highlander insurance rates

An important part of buying insurance is that you know some of the elements that help determine the rates you pay for auto insurance. When you know what positively or negatively influences your rates allows you to make educated decisions that may reward you with big savings.

The following are some of the items companies use to determine rates.

  • Having a spouse can save you money – Having a spouse can get you a discount on auto insurance. It is viewed as being more responsible and it’s statistically proven that drivers who are married are more cautious.
  • High crash test scores lower rates – Safer cars tend to have better insurance rates. These vehicles protect occupants better and any reduction in injury severity means less money paid by your insurance company passed on to you as lower rates. If the Toyota Highlander is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Too many auto insurance claims drive up costs – If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Auto insurance companies provide lower rates to insureds who are claim-free. Car insurance is meant to be used in the event of the large, substantial claims.
  • No coverage gaps is important – Having an insurance coverage lapse will be a fast way to pay more for auto insurance. Not only will you pay more, but being ticketed for driving with no insurance might get you a steep fine or even jail time.
  • Poor driving leads to higher costs – Just one moving violation can boost insurance rates forty percent or more. Careful drivers tend to pay less for car insurance compared to drivers with tickets. Drivers who have flagrant citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 form with the DMV in their state in order to keep their license.
  • Do men or women drive better? – Statistics show that men are more aggressive behind the wheel. However, don’t assume that men are worse drivers. They both cause accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations like reckless driving and DUI.
  • Pleasure use saves money – The more miles you rack up on your Toyota each year the higher your rate. Most companies rate vehicles based upon how you use the vehicle. Vehicles that are left in the garage can get a lower rate compared to those used for work or business. Verify your auto insurance policy properly reflects how each vehicle is driven, because it can save money. If your policy improperly rates your Highlander can result in significantly higher rates.
  • More people means more accidents – Living in less populated areas is a positive aspect when insuring your vehicles. Urban drivers have more traffic problems and a longer drive to work. Fewer people means fewer accidents and also fewer theft and vandalism claims.

Tailor your coverage to you

When buying proper insurance coverage, there really is not a perfect coverage plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that may help highlight if you may require specific advice.

  • Does having multiple vehicles earn me a discount?
  • Does my 2013 Toyota Highlander qualify for pleasure use?
  • Does insurance cover damages from a DUI accident?
  • Can I rate high risk drivers on liability-only vehicles?
  • If my 2013 Toyota Highlander is totaled, can I afford another vehicle?
  • I have health insurance so do I need medical payments coverage?
  • Should I buy full coverage?
  • How much liability insurance is required?
  • Am I covered if I wreck a rental car?
  • When should my teen driver be added to my policy?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Detailed coverages of your insurance policy

Understanding the coverages of insurance helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages available from insurance companies.

Collision coverage

This pays for damage to your Highlander resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like hitting a parking meter, rolling your car, hitting a mailbox, crashing into a ditch and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Toyota Highlander.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for immediate expenses for things like chiropractic care, hospital visits, nursing services, surgery and dental work. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as rock chips in glass, hitting a bird, hitting a deer, a broken windshield and theft. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto liability

Liability coverage will cover injuries or damage you cause to other’s property or people. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as repair costs for stationary objects, structural damage and pain and suffering. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Be Smart and Buy Smart

When shopping online for auto insurance, make sure you don’t buy less coverage just to save a little money. In many instances, an insured cut uninsured motorist or liability limits and learned later that they should have had better coverage. The ultimate goal is to buy a smart amount of coverage at an affordable rate while still protecting your assets.

Throughout this article, we presented some good ideas how you can save on 2013 Toyota Highlander insurance. The key thing to remember is the more times you quote, the better your chances of lowering your rates. You may even find the best price on auto insurance is with a small mutual company. Some small companies can often insure niche markets at a lower cost than their larger competitors like Progressive or Geico.

Cheaper insurance can be bought on the web as well as from independent agents, and you need to price shop both so you have a total pricing picture. A few companies don’t offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

For more information, take a look at the articles below: