2008 Toyota Highlander Car Insurance Rates – 5 Tips to Save

Are you sick and tired of not being able to afford to pay car insurance each month? Your situation is no different than many other consumers.

Big companies like Allstate, Progressive and Geico all claim big savings, bombarding you with advertising and it can be hard to ignore the flying pigs and cute green geckos and find the best price available.

Smart consumers take time to do price comparisons quite often because car insurance prices trend upward over time. Even if you got the lowest price for Highlander coverage at your last renewal a different company probably has better rate quotes today. There is a lot of bad information regarding car insurance on the web, but in this article, you’re going to get a lot of great tips on how to reduce your car insurance bill.

If you currently have a car insurance policy, you will be able to save some money using these tips. Buying car insurance is not that difficult. Although car owners need to have an understanding of how insurance companies market on the web.

Five discounts for affordable car insurance rates

Companies do not advertise every disount available very clearly, so we break down some of the best known as well as the least known credits available to you.

• Active Service Discounts – Being on active deployment in the military could mean lower car insurance rates.
• Auto/Home Discount – If you have multiple policies and place coverage with the same company you could save at least 10 to 15 percent or more.
• Early Switch Discount – Select insurance companies give a discount for signing up prior to your current policy expiring. Ten percent is about the average savings.
• Accident Forgiveness Coverage – Not necessarily a discount, but a handful of insurance companies allow you one accident before your rates go up if your claims history is clear for a specific time period.
• Discount for Life Insurance – Companies who offer life insurance give better rates if you take out some life insurance in addition to your auto policy.

It’s important to understand that most of the big mark downs will not be given to your bottom line cost. A few only apply to individual premiums such as physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, it’s just not the way it works.

A few popular companies and a selection of discounts are shown below.

• State Farm may offer discounts for passive restraint, Drive Safe & Save, driver’s education, good driver, multiple autos, student away at school, and anti-theft.
• Geico has savings for air bags, military active duty, good student, anti-lock brakes, and seat belt use.
• Allstate may have discounts that include safe driver, passive restraint, resident student, 55 and retired, eSmart discount, and premier plus.
• SAFECO offers discounts including safe driver, anti-theft, bundle discounts, multi-car, anti-lock brakes, and accident prevention training.
• Farm Bureau discounts include multi-vehicle, driver training, safe driver, multi-policy, renewal discount, 55 and retired, and youthful driver.
• Progressive offers discounts for online signing, homeowner, multi-vehicle, continuous coverage, online quote discount, multi-policy, and good student.
• AAA may include discounts for AAA membership discount, good student, anti-theft, multi-policy, education and occupation, and multi-car.

When getting free car insurance quotes, it’s a good idea to all companies you are considering how you can save money. All car insurance discounts may not apply to policyholders in your area.

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Buy car insurance online

All the larger car insurance companies like Allstate, Geico and Progressive allow you to get coverage price quotes online. Getting online rates can be done by anyone as you simply enter your personal and coverage information as requested by the quote form. After you submit the form their quoting system sends out for your driving record and credit report and returns pricing information determined by many factors. Online price estimates streamlines rate comparisons, but the work required to visit many different websites and type in your information can be a bit tiresome and repetitive. Unfortunately, it is important to get many rate quotes if you want to find a lower rate.

The better way to compare rates

An easier way to lower your rates is to use a quote form that obtains quotes from multiple companies. This type of form saves time, requires much less work on your part, and makes comparison shopping much simpler. Immediately after you send the form, it is rated with multiple companies and you can pick your choice of the quotes returned. If you find a better price you simply finish the application and buy the policy. It takes less than 15 minutes and could lower your rates considerably.

To compare pricing, simply click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend you enter the coverages identical to your current policy. This makes sure you will be getting an apples-to-apples comparison using the same coverage and limits.

You may need specialized insurance coverage

When buying the best insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. For example, these questions may help you determine if your situation would benefit from an agent’s advice.

• Are there companies who specialize in insuring high-risk drivers?
• Am I covered when driving on a suspended license?
• Are my friends covered when driving my 2008 Toyota Highlander?
• Does my medical payments coverage pay my health insurance deductible?
• Why am I required to get a high-risk car insurance policy?
• What discounts do I qualify for?
• Do I have coverage for damage caused while driving under the influence?
• Is my trailer covered?
• Are rental cars covered under my policy?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Ads can be misleading

Well-known insurance companies like Allstate, Geico and Progressive constantly bombard you with television, radio, and online ads. They all seem to advertise claims about savings after switching to their company. How can each company give you a better price? It’s all in the words they use.

All the different companies have strict underwriting profiles for the type of insured that will generate a profit. An example of a profitable risk profile could be over the age of 45, has a clean driving record, and has a short commute. A customer that hits that “sweet spot” will get the preferred car insurance rates and most likely will save some money.

Drivers who do not match the ideal profile may receive higher rates and this can result in the customer not purchasing. The wording the ads use say “customers that switch” not “everyone that quotes” can save as much as they claim. That is how companies can truthfully advertise the savings. This really emphasizes why you really need to compare many company’s rates. It’s just too difficult to predict the company that will fit your personal profile best.

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Insurance coverage specifics

Learning about specific coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages found on the average insurance policy.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for bills for dental work, prosthetic devices, chiropractic care, EMT expenses and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Toyota Highlander.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability coverage

Liability coverage will cover injuries or damage you cause to people or other property. 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 limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like attorney fees, medical services, funeral expenses and pain and suffering. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like theft, hitting a bird and a broken windshield. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for collisions

This coverage covers damage to your Highlander caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like scraping a guard rail, hitting a parking meter and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

And the best car insurance company is…

We’ve covered a lot of ways to shop for 2008 Toyota Highlander insurance online. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Consumers could even find that the biggest savings come from a company that doesn’t do a lot of advertising. These smaller insurers may have significantly lower premium rates on certain market segments than their larger competitors like State Farm and Allstate.

When getting car insurance quotes online, never buy less coverage just to save a little money. There are many occasions where someone dropped physical damage coverage and found out when filing a claim that it was a big error on their part. The aim is to get the best coverage possible at the lowest possible cost, but don’t skip important coverages to save money.

For more information, feel free to visit these articles:

• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• What Auto Insurance is Cheapest for a Toyota Highlander in Corpus Christi? (CorpusChristiCoverage.com)
• Who Has Cheap Atlanta Car Insurance Rates for a Toyota Highlander? (AtlantaMetroInsurance.com)
• Booster Seat Ratings (iihs.org)
• What is a Telematics Device? (Allstate)
• Frontal Crash Tests (iihs.org)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)

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