2014 Toyota Highlander Car Insurance Rates – 7 Policy Discounts

Want better insurance coverage rates for your Toyota Highlander? Having to pay for expensive Toyota Highlander insurance can dry up your bank account and force you to cut corners elsewhere. Price shopping at each renewal is a great way to make ends meet.

With so many choices of insurance companies, it’s nearly impossible to pick the best insurance coverage provider.

This information will tell you how to effectively get price quotes and some money-saving tips. If you currently have car insurance, you should be able to lower your premiums substantially using these tips. Nevertheless, car owners must understand how insurance companies market on the web and use this information to your advantage.

Free car insurance quotes

When shopping for inexpensive auto insurance quotes, there are a couple of ways of comparing rate quotes from different insurance companies. One of the best ways to do a complete rate comparison consists of obtaining rate quotes online. It is quite easy and can be accomplished in a couple of different ways.

• The first (and easiest) way to get quotes is an all-inclusive rate comparison click to view form in new window. This easy form keeps you from doing repetitive form submissions for every company. Filling out one form will get you price quotes from multiple companies.
• A more difficult way to analyze rates consists of going to the website for each individual company and repeat the quote process again and again. For sake of this example, let’s say you want to compare prices for Liberty Mutual, Progressive and American Family. In order to get each rate, you would have to take the time to go to each site and repeatedly enter your information, which can take a lot of time. For a list of links to insurance companies in your area, click here.
• The most time-consuming way to get comparison rates is to spend time driving to local insurance agencies. Quoting online eliminates the need for an insurance agent unless your situation requires the personal advice only provided by licensed agents. You can, however, compare online quotes but have your policy serviced through an agent.

However you get your quotes, be sure to compare the exact same coverage limits for each quote you get. If you compare mixed coverages you will not be able to decipher which rate is best. Having just a slight variation in coverages can mean a large discrepancy in price. And when quoting car insurance, remember that obtaining a wide range of quotes gives you a better chance of getting better pricing. Some companies don’t provide quotes online, so it’s recommended that you also compare price quotes from them, too.

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Seven discounts for lower-cost car insurance rates

Insurance can be prohibitively expensive, but discounts can save money and there are some available that you may not even be aware of. Certain discounts will be applied at quote time, but some must be asked about in order for you to get them.

• Discount for Good Grades – Being a good student may save you up to 25%. This discount can apply well after school through age 25.
• College Student – College-age children who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
• Homeowners Savings – Owning a home can earn you a little savings since home ownership requires personal responsibility.
• Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course in school.
• Federal Employees – Having worked for a branch of the government could provide a small rate reduction on Highlander insurance but check with your company.
• Anti-theft System – Cars and trucks optioned with advanced anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
• Renewal Discounts – A few larger companies give discounts for renewing your policy prior to the expiration date on your current policy. It could save around 10% when you buy auto insurance online.

Discounts save money, but please remember that most credits do not apply to the entire cost. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, that’s just not realistic.

A partial list of companies who may offer these benefits may include but are not limited to:

• Progressive
• Farmers Insurance
• Farm Bureau
• State Farm
• Geico
• SAFECO
• Liberty Mutual

Before you buy a policy, ask all companies you are considering which credits you are entitled to. Some credits might not be offered on policies in your area. If you would like to view providers with significant discounts, follow this link.

Tailor your insurance coverage coverage to you

When choosing the right insurance coverage, there is no perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if your insurance needs would benefit from professional advice.

• Am I insured when driving a different vehicle?
• Am I covered when driving on a suspended license?
• Should I waive the damage coverage when renting a car?
• Should I buy full coverage?
• When would I need additional glass coverage?
• Are there companies who specialize in insuring high-risk drivers?
• What is PIP insurance?
• I have good health insurance, so how much medical payments coverage do I need?
• Do I need replacement cost coverage?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

What insurance coverages do you need?

Knowing the specifics of your policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are the usual coverages found on the average insurance policy.

Uninsured and underinsured coverage – This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your 2014 Toyota Highlander.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally these limits do not exceed the liability coverage limits.

Liability – Liability coverage can cover damage that occurs to other’s property or people in an accident. It protects you against claims from other people. Liability 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 policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as medical services, funeral expenses, repair costs for stationary objects and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Coverage for medical payments – Med pay and PIP coverage provide coverage for bills for things like ambulance fees, chiropractic care, funeral costs and EMT expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision – This coverage pays for damage to your Highlander resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like colliding with another moving vehicle, hitting a parking meter, sideswiping another vehicle, backing into a parked car and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, falling objects, fire damage and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

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A fool and his money are soon parted

As you quote auto insurance, never skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice comprehensive coverage or liability limits and found out when filing a claim that they should have had better coverage. The aim is to find the BEST coverage for the lowest price, but do not skimp to save money.

We just presented many ideas to reduce 2014 Toyota Highlander insurance rates online. The most important thing to understand is the more companies you get auto insurance rates for, the better your chances of lowering your auto insurance rates. You may even find the biggest savings come from a lesser-known regional company. These companies can often provide lower auto insurance rates in certain areas than the large multi-state companies such as Allstate, Geico and Progressive.

Cheaper 2014 Toyota Highlander insurance is possible both online as well as from insurance agents, so you need to quote auto insurance with both in order to have the best chance of saving money. Some insurance providers may not have the ability to get quotes online and usually these smaller providers work with independent agents.

More tips and info about car insurance can be found in the articles below:

• Keeping Children Safe in Crashes Video (iihs.org)
• Who Has the Cheapest San Francisco Auto Insurance Quotes for a Toyota Highlander? (SFAutoGuard.com)
• Driving in Bad Weather (Insurance Information Insitute)
• Information for Teen Drivers (Geico)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Electronic Stability Control FAQ (iihs.org)

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