2012 Toyota Highlander Car Insurance Cost

If you’re searching for lower-cost insurance, are you intimidated by the crazy number of car insurance providers? Drivers have so many providers available that it can really be a difficult challenge to find the best premium rates.

Car insurance companies offer lots of discounts

Buying car insurance is not cheap, but you may be missing some discounts that many people don’t even know exist. A few discounts will be applied at the time of quoting, but some must be manually applied before you will receive the discount.

• Defensive Driver Discounts – Taking part in a course teaching safe driver skills could possibly earn you a 5% discount and make you a better driver.
• Early Signing – A few car insurance companies allow discounts for buying a new policy before your current coverage expires. This discount can save up to 10%.
• Low Mileage Discounts – Keeping the miles down on your Toyota may enable drivers to earn lower car insurancerates on the low mileage vehicles.
• Claim Free – Good drivers with no accidents pay much less in comparison to policyholders that have many claims.
• 55 and Retired – Drivers that qualify as senior citizens may qualify for a small decrease in premiums on Highlander coverage.
• Memberships – Participating in qualifying employment or professional organizations can get you a small discount on your next car insurance statement.
• Telematics Discount – Drivers who agree to allow data collection to look at driving habits by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if they are good drivers.

Discounts lower rates, but most credits do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like it’s possible to get free car insurance, that’s just not realistic.

Popular car insurance companies and the discounts they provide are:

• Farmers Insurance has savings for electronic funds transfer, early shopping, alternative fuel, pay in full, distant student, and youthful driver.
• Esurance may include discounts for good driver, paid-in-full, homeowner, anti-lock brakes, and good student.
• State Farm discounts include multiple policy, defensive driving training, student away at school, good student, and good driver.
• Geico has discounts for defensive driver, air bags, federal employee, driver training, membership and employees, military active duty, and anti-theft.
• Allstate offers discounts for safe driver, premier plus, farm vehicle, anti-lock brakes, and eSmart discount.

If you are trying to find inexpensive auto insurance quotes, ask each company which discounts can lower your rates. Some discounts may not apply in every state. To see insurance companies that provide some of the discounts listed above, click here.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Do I just need basic coverages?

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different.

These are some specific questions may help highlight if your situation will benefit from professional help.

• What is roadside assistance coverage?
• Should I bundle my homeowners policy with my auto?
• Will filing a claim cost me more?
• What is no-fault insurance?
• Do I need more liability coverage?
• If my 2012 Toyota Highlander is totaled, can I afford another vehicle?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Beware of misleading car insurance ads

Well-known car insurance companies like Progressive, Allstate and Geico seem to constantly run ads on television and other media. They all make an identical promise that drivers can save some big amount just by moving to their company. But how can every company save you money? This is the trick they use.

All companies have a certain “appetite” for the type of driver that earns them a profit. One example of a preferred risk may be between the ages of 30 and 50, owns their home, and the vehicle is rated for pleasure use. A customer that matches those criteria will get the preferred rates and will most likely cut their rates if they switch.

Drivers who do not match the requirements will have to pay higher prices which translates to business not being written. Company advertisements say “customers who switch” not “everyone who quotes” save the amount stated. That’s why insurance companies can advertise the savings.

Because of this risk profiling, you need to compare many company’s premium rates. Because without a comparison, you cannot know which insurance companies will have the lowest rate quotes.

Insurance coverages and their meanings

Learning about specific coverages of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Collision coverage protection

Collision insurance pays for damage to your Highlander resulting from colliding with another vehicle or an object, but not an animal. 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, colliding with another moving vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like surgery, X-ray expenses and pain medications. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, 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 limits are set the same as your liablity limits.

Comprehensive protection

This covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a bird, falling objects, theft, rock chips in glass and a broken windshield. The most a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverages

This coverage will cover damages or injuries you inflict on other people or property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which stand for $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. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as repair costs for stationary objects, emergency aid and loss of income. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

More quotes. Lower rates.

As you restructure your insurance plan, do not buy less coverage just to save a little money. In too many instances, someone sacrificed uninsured motorist or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at the best price while not skimping on critical coverages.

Insureds change insurance companies for many reasons like denial of a claim, being labeled a high risk driver, policy cancellation and even delays in responding to claim requests. Regardless of your reason, finding a great new company is not as hard as you think.

We’ve covered some good ideas how to save on 2012 Toyota Highlander insurance. The most important thing to understand is the more you quote auto insurance, the better likelihood of getting cheap auto insurance. You may even find the lowest priced car insurance comes from the smaller companies.

Helpful resources

• Driving in Bad Weather (Insurance Information Insitute)
• What Insurance is Cheapest for a Toyota Highlander in Omaha? (OmahaInsure.com)
• How Much are Denver Car Insurance Quotes for a Toyota Highlander? (DenverCoverage.com)
• Senior Drivers (Insurance Information Insitute)
• Credit and Insurance Scores (Insurance Information Insitute)
• How to Avoid Staged Accidents (State Farm)
• Electronic Stability Control FAQ (iihs.org)
• Auto Insurance 101 (About.com)

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption