Cheap 2002 Toyota Highlander Car Insurance Quotes

Looking for the cheapest insurance coverage rates for your Toyota Highlander? Comparison shopping for insurance coverage is challenging for consumers new to comparison shopping online. People have so many options that it can turn into a challenge to locate the lowest price.

If you have car insurance now, you will most likely be able to save some money using this strategy. Pricing the lowest cost coverage can be fairly easy. Although consumers must learn the way insurance companies determine prices because it can help you find the best coverage.

Fast and Easy Car Insurance Quotes

Performing a rate comparison can be exhausting if you don’t utilize the fastest way to get free quotes. You can waste a few hours (or days) driving to insurance companies in your area, or you can utilize online quoting to get pricing more quickly.

Most major companies belong to a marketplace that enables customers to enter their policy data once, and at least one company can give them a price. This saves time by eliminating quote requests to every company. To fill out one form to compare multiple rates now click here to open in new window.

The single downside to using this type of system is you cannot specify which companies to get quotes from. If you prefer to choose specific insurance companies for rate comparison, we have a page of low cost car insurance companies in your area. Click here to view list.

Which method you use is up to you, but be sure to compare apples-to-apples coverages with every price quote. If you are comparing higher or lower deductibles then you won’t be able to make an equal comparison. Just a small difference in insurance coverages can make a big difference in price. It’s important to know that having more price comparisons helps you find the best rates.

Policy discounts you shouldn’t miss

Companies offering auto insurance do not list every discount in an easy-to-find place, so we researched some of the best known as well as the least known car insurance savings.

  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more on Highlander insurance than their less cautious counterparts.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Senior Citizens – If you’re over the age of 55, you may be able to get a discount up to 10% on Highlander insurance.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
  • Life Insurance – Companies who offer life insurance give lower rates if you buy life insurance.
  • Anti-theft System – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Service Members Pay Less – Having a family member in the military could be rewarded with lower premiums.

Drivers should understand that many deductions do not apply to your bottom line cost. A few only apply to specific coverage prices like comp or med pay. Just because it seems like you would end up receiving a 100% discount, you’re out of luck.

A partial list of companies who might offer these discounts include:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Discounts may not be available everywhere.

Insurance agents can help

When it comes to choosing coverage for your vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions might help in determining if your insurance needs would benefit from professional advice.

  • What is high-risk coverage and where do I buy it?
  • Do I have coverage if my license is suspended?
  • What is the rate difference between pleasure use and commuting?
  • Does coverage extend to my business vehicle?
  • How can I get my company to pay me more for my totalled car?
  • Does my liability insurance cover pulling a trailer or camper?
  • Should I carry comprehensive and collision coverage?
  • Is my Toyota Highlander covered if I use it for business?
  • Does my insurance cover a custom paint job?
  • Do I need rental car coverage?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form.

Elements that influence Toyota Highlander insurance rates

Consumers need to have an understanding of the rating factors that go into determining the price you pay for car insurance. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that can help you get lower car insurance prices.

  • No coverage gaps is important – Letting your insurance expire is a sure-fire way to increase your car insurance rates. And not only will your rates increase, but not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license.Then you may be required to file a SR-22 with your state motor vehicle department.
  • High credit ratings translate to low rates – A driver’s credit score is a large factor in determining what you pay for car insurance. People with high credit ratings tend to be more responsible as compared to drivers with lower ratings. If your credit score is low, you could save money insuring your 2002 Toyota Highlander by improving your credit score.
  • Don’t skimp on liability – Your policy’s liability coverage is the protection when a jury decides you are liable for damages caused by your negligence. Liability insurance provides legal defense coverage starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should carry high limits.
  • Your car insurance rates can be influenced by your job – Jobs such as doctors, architects and financial analysts tend to pay higher average rates because of high stress and long work hours. Conversely, occupations like scientists, engineers and retirees have the lowest average rates on Highlander insurance.
  • Tickets mean higher rates – Careful drivers get better rates compared to drivers with tickets. Just one moving violation can boost insurance rates by as much as thirty percent. Drivers with flagrant tickets like reckless driving, hit and run or driving under the influence are required to file a SR-22 with their state motor vehicle department in order to keep their license.
  • Add-on coverages can add up – There are a lot of extra coverages you can purchase on your 2002 Highlander policy. Coverages for personal injury protection, better glass coverage and motor club memberships are examples of these. They may seem good initially, but if you don’t need them eliminate them to save money.
  • Equipment add-ons that lower car insurance rates – Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.

Don’t be fooled by advertising claims

Car insurance providers like 21st Century, Allstate and State Farm consistently run ads on television and other media. They all make an identical promise of big savings if you change your coverage to them. How can each company claim to save you money?

All companies can use profiling for the type of customer that makes them money. A good example of a preferred risk could possibly be over the age of 40, owns a home, and has a high credit rating. A customer getting a price quote who meets those qualifications is entitled to the best price and is almost guaranteed to save when switching.

Consumers who do not match this ideal profile will be charged higher premiums which leads to the driver buying from a lower-cost company. The ads say “drivers who switch” not “people who quote” save money. That is how companies can state the savings. That is why you need to quote coverage with many companies. Because you never know which company will provide you with the cheapest Toyota Highlander insurance rates.

Car insurance coverage considerations

Knowing the specifics of car insurance can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Liability coverages

This provides protection from damages or injuries you inflict on people or other property that is your fault. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as funeral expenses, attorney fees, loss of income, medical expenses and legal defense fees. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from 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 pays for things like vandalism, fire damage, damage from a tornado or hurricane and hitting a deer. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage protection

Collision coverage covers damage to your Highlander resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like crashing into a building, driving through your garage door, crashing into a ditch, rolling your car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like pain medications, dental work, X-ray expenses and surgery. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides 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 your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

And the best car insurance company is…

When buying insurance coverage, you should never reduce needed coverages to save money. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits and found out when filing a claim they didn’t have enough coverage. Your aim should be to buy a smart amount of coverage at the best price.

Insureds who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, lack of trust in their agent, high rates after DUI convictions and denial of a claim. No matter why you want to switch, finding a new company can be easier than you think.

Lower-priced 2002 Toyota Highlander insurance is attainable both online and also from your neighborhood agents, so you should compare both to get a complete price analysis. Some auto insurance companies may not provide online price quotes and these smaller companies work with independent agents.

Additional detailed information can be read at these sites: