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Toyota Highlander Insurance Quotes

Drivers have lots of options when looking for the best insurance on your Toyota vehicle. You can either contact a local agent or go online to check prices from many different auto insurance companies. Comparing auto insurance through online rate quotes can be fast and easy, plus you might just save a little.

If you've never shopped for auto insurance online, you may be overwhelmed by the hoards of companies vying for your business. Reducing your Highlander insurance cost can be surprisingly simple. All that's required is to spend a few minutes on the computer to get quotes provided by online insurance companies. This can be done by completing this short form.

Rates are determined by these things

Auto insurance rates on a Toyota Highlander can vary widely depending on several factors. Including but not limited to:

  • Higher performance Highlander vehicles cost more
  • Any accidents you may have
  • Home and auto can earn discounts
  • Pleasure use vs. commuting use
  • Mature drivers pay less
  • Having a spouse can save money
  • Add-on coverages such as rental reimbursement
  • Claims drive up premiums
  • Having current coverage saves
  • Home ownership saves money

A final factor that can impact Highlander insurance quotes is the model year. New vehicles have a higher value in comparison to later models so the cost to replace them can inflate annual premiums. On the flip side, new Toyota models may have a trim level with safety features like tire pressure monitors, autonomous braking, a collision avoidance system, and anti-lock brakes which can give discounted rates.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your Highlander from the list below.

Auto liability

This coverage provides protection from damage or injury you incur to people or other property. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying higher limits if possible.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in. Collision coverage for your Highlander can be pricey, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible to get cheaper Highlander insurance quotes.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your Toyota Highlander comprehensive insurance. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. 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 a good idea.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage.

How Much are Toyota Highlander Insurance Rates?