Compare 2016 Toyota Highlander Insurance Quotes

I doubt anyone loves paying for insurance coverage, especially when they are aware that they could find lower prices if they just compared rates.

Drivers have many auto insurance companies to purchase coverage from, and although it’s nice to have a selection, too many choices makes it more difficult to find a good deal.

This article will help educate you on how to get online quotes. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these techniques. Although drivers do need to learn how companies sell insurance online and use this information to your advantage.

Take policy discounts and save

Car insurance companies don’t always publicize all disounts very clearly, so the below list has a few of the more common and the more hidden ways to save on car insurance.

  • Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts may be able to save a few bucks off the medical payments premium.
  • Own a Home – Owning your own home or condo can earn you a little savings since owning and maintaining a home shows financial diligence.
  • Discounts for Safe Drivers – Safe drivers can pay as much as 50% less for Highlander insurance than drivers with accidents.
  • Include Life Insurance and Save – Not all insurance carriers offer life insurance, but some may give you better prices if you take out auto and life insurance together.
  • Discount for Good Grades – Performing well in school may save as much as 25% on a insurance quote. Earning this discount can benefit you up until you turn 25.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Toyota could be rewarded with substantially lower car insurancerates.
  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts may qualify for discounts as much as 30%.

Keep in mind that some credits don’t apply to the overall cost of the policy. Some only apply to individual premiums such as comp or med pay. So despite the fact that it appears it’s possible to get free car insurance, it just doesn’t work that way. But any discount will help reduce your policy premium.

Large car insurance companies and some of the discounts are detailed below.

  • Farm Bureau offers discounts including multi-vehicle, youthful driver, safe driver, 55 and retired, good student, driver training, and renewal discount.
  • MetLife includes discounts for defensive driver, good driver, multi-policy, accident-free, and good student.
  • Progressive policyholders can earn discounts including online signing, good student, multi-policy, continuous coverage, homeowner, and multi-vehicle.
  • AAA may offer discounts for multi-policy, AAA membership discount, multi-car, good driver, and anti-theft.
  • American Family has discounts for early bird, good student, accident-free, TimeAway discount, multi-vehicle, and defensive driver.
  • Geico may have discounts that include multi-policy, driver training, federal employee, good student, and membership and employees.
  • State Farm offers discounts for Drive Safe & Save, safe vehicle, multiple autos, Steer Clear safe driver discount, multiple policy, and anti-theft.

Double check with each company which discounts you may be entitled to. Some credits may not apply in your area. To view car insurance companies that provide some of the discounts listed above, follow this link.

How to buy insurance coverage online

Most companies like Progressive, Geico, Allstate and State Farm make it easy to get coverage prices direct online. Getting quotes doesn’t take a lot of time because you just enter your personal and coverage information into the form. Behind the scenes, their system will order your driving and credit reports and quotes a price. This helps simplify price comparisons, but the process of having to visit a lot of sites and type in the same information is monotonous and tiresome. But it’s absolutely necessary to get many rate quotes if you want to find the lowest insurance coverage rates.

A quicker way to lower your rates uses one form that gets prices from a bunch of companies at once. It’s a real time-saver, helps eliminate reptitive entry, and makes quoting online much simpler. Once the form is submitted, it gets priced and you are able to buy your choice of the resulting price quotes.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. This process can be completed in a matter of minutes and you will find out if you’re overpaying now.

To quickly compare rates now, simply click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend you enter coverages and limits identical to your current policy. This guarantees you will have a rate comparison using the same coverage and limits.

Which policy gives me the best coverage?

When buying coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions can help discover if your insurance needs might need professional guidance.

  • When does my teenage driver need to be added to my policy?
  • Can I drive in Mexico and have coverage?
  • Does insurance cover damages from a DUI accident?
  • I have health insurance so do I need medical payments coverage?
  • Do I benefit by insuring my home with the same company?
  • Are my friends covered when driving my 2016 Toyota Highlander?
  • Is pleasure use cheaper than using my 2016 Toyota Highlander to commute?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Insurance coverage considerations

Learning about specific coverages of a insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages offered by insurance companies.

Collision – This pays for damage to your Highlander caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with a tree, backing into a parked car, driving through your garage door, scraping a guard rail and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Coverage for liability – Liability insurance can cover damage or injury you incur to people or other property by causing an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims such as pain and suffering, loss of income, court costs and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

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

Comprehensive can pay for claims such as theft, hail damage, fire damage, falling objects and hitting a deer. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – This gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Toyota Highlander.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these coverages do not exceed the liability coverage limits.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like EMT expenses, rehabilitation expenses, prosthetic devices, nursing services and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Find Good Coverage for Less

As you restructure your insurance plan, it’s not a good idea to skimp on coverage in order to save money. In many instances, an accident victim reduced uninsured motorist or liability limits only to regret at claim time that the small savings ended up costing them much more. Your goal is to get the best coverage possible at the best cost, but do not skimp to save money.

More affordable auto insurance is possible both online and also from your neighborhood agents, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who don’t offer online price quotes and usually these regional carriers provide coverage only through independent insurance agents.

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