Cheaper 2012 Toyota Highlander Car Insurance Quotes

Searching for better insurance coverage rates for your Toyota Highlander? Having to pay for overpriced Toyota Highlander insurance can overdraw your personal savings and put the squeeze on your family’s finances. Comparing price quotes is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income. Companies like State Farm, Farmers Insurance, Geico and Allstate constantly blast consumers with ads and it is difficult to see past the geckos and flying pigs and effectively compare rates to find the best deal.

How much can you save with discounts?

Insuring your fleet can be pricey, but companies offer discounts that you may not know about. Larger premium reductions will be automatically applied when you get a quote, but less common discounts must be asked about prior to receiving the credit. If you’re not getting every credit possible, you’re paying more than you need to.

  • Resident Student – Kids in college living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
  • Military Rewards – Being deployed with a military unit could be rewarded with lower premiums.
  • Federal Government Employee – Simply working for the federal government could cut as much as 10% off for Highlander insurance depending on your company.
  • Homeowners Discount – Owning a home can save you money because owning a home demonstrates responsibility.
  • E-sign – Certain companies give back up to $50 simply for signing over the internet.
  • Use Seat Belts – Requiring all passengers to wear their seat belts can save 10% or more off the personal injury premium cost.
  • Discount for Swiching Early – Some companies give discounts for buying a policy before your current policy expires. The savings is around 10%.
  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.

It’s important to note that most discounts do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. Just because it seems like having all the discounts means you get insurance for free, you’re out of luck. Any qualifying discounts will bring down your premiums.

A partial list of companies that may have these money-saving discounts are:

Before buying, ask each insurance company which discounts you may be entitled to. Some discounts may not apply in your state.

Why your Toyota Highlander insurance rates may be high

Consumers need to have an understanding of the factors that play a part in calculating the rates you pay for car insurance. Knowing what impacts premium levels helps enable you to make changes that will entitle you to better car insurance rates.

Shown below are a partial list of the pieces that factor into prices.

  • Always keep insurance in force – Allowing your coverage to lapse is a fast way to increase your car insurance rates. And not only will insurance be more expensive, but being ticketed for driving with no insurance may earn you a license revocation or jail time.
  • Traffic violations increase rates – Drivers who don’t get tickets have lower premiums than people who have multiple driving citations. Just one moving violation can bump up the cost twenty percent or more. If you have severe violations such as DUI or reckless driving may find they need to submit a SR-22 form with their state motor vehicle department in order to drive a vehicle legally.
  • Marriage pays dividends – Getting married can actually save you money on your car insurance policy. Having a significant other usually means you are more mature and it’s statistically proven that being married results in fewer claims.
  • Don’t skimp on liability – Your policy’s liability coverage provides coverage if a jury decides you are liable for damages caused by your negligence. It will provide you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not cut corners here.
  • Battle of the sexes – Statistics demonstrate that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. Women and men cause accidents at about the same rate, but the men cause more damage. Men also statistically get more serious tickets like reckless driving and DUI. Young males are the most expensive to insure and are penalized with high car insurance rates.
  • Frequent car insurance claims increase rates – Car insurance companies award lower rates to drivers who do not rely on their insurance for small claims. If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Car insurance is designed for the large, substantial claims.
  • Higher deductibles cost less – Deductibles for physical damage define the amount you are willing to pay out-of-pocket if you file a covered claim. Physical damage insurance, also known as collision and other-than-collision, insures against damage to your car. A few examples of covered claims are running into the backend of another car, damage from fire, and rolling your vehicle. The more you have to pay, the lower your rates will be for Highlander insurance.

How much car insurance do I need?

When it comes to buying adequate coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions can aid in determining whether your personal situation would benefit from professional advice.

  • Are my friends covered when driving my car?
  • Am I covered when using my vehicle for business?
  • Does having multiple vehicles earn me a discount?
  • If my pet gets injured in an accident are they covered?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Does my insurance cover a custom paint job?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, free and you can get the answers you need.

Insurance specifics

Understanding the coverages of a insurance policy can be of help when determining appropriate coverage for your vehicles. Insurance terms can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average insurance policy.

Comprehensive insurance

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, damage from a tornado or hurricane, a tree branch falling on your vehicle and vandalism. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Toyota Highlander.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Usually these coverages are similar to your liability insurance amounts.

Collision protection

Collision coverage pays for damage to your Highlander from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a building, sideswiping another vehicle and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like pain medications, EMT expenses, surgery, ambulance fees and rehabilitation expenses. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Liability coverages

Liability insurance provides protection from damages or injuries you inflict on other people or property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as legal defense fees, emergency aid and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Be a penny pincher

As you prepare to switch companies, it’s not a good idea to reduce coverage to reduce premium. In many instances, someone sacrificed collision coverage and found out when filing a claim they didn’t purchase enough coverage. Your focus should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Affordable 2012 Toyota Highlander insurance can be found on the web and with local insurance agents, so compare prices from both to have the best chance of lowering rates. Some insurance providers do not offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

More information is available on the following sites: