Save on 2010 Toyota Highlander Insurance Rates

Trying to find better auto insurance rates for your Toyota Highlander? Having to pay for overpriced auto insurance can dwindle your checking account, especially in this economy. Comparison shopping is a smart way to cut your insurance bill. Many insurers vie for your insurance dollar, and it can be difficult to compare rates to discover the definitive lowest rate possible.

It is always a good idea to shop coverage around periodically because prices change regularly. Despite the fact that you may have had the best deal for Highlander coverage a few years ago you can probably find a lower rate today. So block out anything you think you know about auto insurance because you’re going to learn one of the easiest ways to save money, get proper coverage and the best rates.

Comprehensive Car Insurance Comparison

Finding a lower price on 2010 Toyota Highlander insurance is a fairly straight forward process. The only requirement is to take a couple of minutes comparing rates online from several insurance companies. It is quite easy and can be accomplished in a couple of different ways.

  • The fastest way consumers can make multiple comparisons is a comparison rater form (click to open form in new window). This method keeps you from doing separate quote forms for each company. One form submission gets you price quotes direct from many companies.
  • A different way to get comparison quotes is going to each company’s website to complete a price quote. For example, we’ll assume you want comparison quotes from State Farm, Esurance and Allstate. You would have to spend time on each company’s site and enter your policy data, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but make darn sure you compare exactly the same quote information for every quote you compare. If you enter differing limits then you won’t be able to determine the lowest rate for your Toyota Highlander.

Insurance ads bend the truth

Consumers can’t ignore all the ads for the lowest price auto insurance by companies like State Farm and Allstate. They all say the same thing about savings if you move to them.

But how can every company make the same claim?

Insurance companies are able to cherry pick for the driver they prefer to insure. An example of a preferred risk could be over the age of 40, has no prior claims, and drives less than 7,500 miles a year. A customer who matches those parameters gets the lowest rates and therefore will pay quite a bit less when switching companies.

Consumers who fall outside the requirements must pay higher prices and ends up with the customer not buying. The ads say “drivers who switch” not “everybody who quotes” save that kind of money. That is how insurance companies can make those claims.

This illustrates why it is so important to get quotes from several different companies. It’s impossible to know the company that will provide you with the cheapest Toyota Highlander insurance rates.

Get lower rates on Toyota Highlander insurance

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that can drop the cost substantially. A few discounts will automatically apply when you quote, but some must be specifically requested before you get the savings. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Auto/Home Discount – If you have multiple policies with one company you may save at least 10% off all policies.
  • Military Discounts – Having a family member in the military could be rewarded with lower premiums.
  • One Accident Forgiven – Certain companies will allow you to have one accident before your rates go up so long as you haven’t had any claims for a certain period of time.
  • Air Bag Discount – Vehicles equipped with air bags can get savings up to 30%.
  • Anti-theft Discount – Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less for Highlander coverage than drivers with accident claims.
  • Defensive Driver – Taking a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
  • Own a Home – Owning a home can save you money because of the fact that having a home is proof that your finances are in order.

As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. Some only apply to individual premiums such as liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, it just doesn’t work that way. But all discounts will help reduce the cost of coverage.

To see a list of companies with the best insurance discounts, follow this link.

Tailor your coverage to you

When choosing adequate coverage for your personal vehicles, there is no “perfect” insurance plan. Every situation is different so this has to be addressed. For example, these questions can help discover whether or not you would benefit from professional advice.

  • Can I still get insurance after a DUI?
  • How can I find cheaper teen driver insurance?
  • Does my 2010 Toyota Highlander need full coverage?
  • How does medical payments coverage work?
  • What discounts do I qualify for?
  • When does my teenage driver need to be added to my policy?
  • How much liability insurance is required?
  • Is business equipment covered while in my vehicle?
  • Why do I need rental car insurance?
  • Can my teen drive my company car?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Car insurance coverage information

Learning about specific coverages of insurance aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages available from insurance companies.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, a broken windshield and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Toyota Highlander.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

Collision coverage

Collision coverage pays for damage to your Highlander resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sideswiping another vehicle, hitting a mailbox, sustaining damage from a pot hole and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Auto liability insurance

Liability insurance provides protection from damage that occurs to other’s property or people by causing an accident. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like structural damage, bail bonds, medical services, legal defense fees and medical expenses. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Medical costs insurance

Med pay and PIP coverage kick in for bills for things like prosthetic devices, doctor visits and EMT expenses. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Don’t be a big spender

When buying insurance coverage, never buy poor coverage just to save money. There have been many situations where an accident victim reduced full coverage only to discover later that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible at an affordable rate, not the least amount of coverage.

Budget-conscious 2010 Toyota Highlander insurance is possible online in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some car insurance companies do not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

In this article, we presented quite a bit of information on how to shop for insurance online. The key concept to understand is the more quotes you get, the higher your chance of finding lower rates. Consumers may even find the lowest premiums are with a company that doesn’t do a lot of advertising. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive or Geico.

Additional car insurance information is available at the links below