Compare 2003 Toyota Highlander Car Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 7, 2021

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Want lower car insurance rates? Drivers have many options when trying to find the best price on Toyota Highlander insurance. They can either spend hours calling around getting price quotes or utilize the internet to get rate quotes.

There is a better way to compare car insurance rates and you need to know the proper way to compare rates for a Toyota and obtain the lowest price from local insurance agents and online providers.

This article will tell you how to get online quotes and some tips to save money. If you are paying for car insurance now, you will most likely be able to cut costs considerably using this strategy. Vehicle owners just need to understand the best way to get comparison rates online.

How to Buy Auto Insurance Online

There are several ways to shop for Toyota Highlander auto insurance, but one way is easier and takes less work. You could spend your day talking to local insurance agents in your area, or you can utilize online quoting to get rates in a matter of minutes.

Many popular insurance companies are enrolled in a marketplace where prospective buyers complete one form, and at least one company returns a competitive quote based on that data. This eliminates the need for repetitive form submissions for each company. To access this free quoting program, click here (opens in new window).

It’s up to you which method you use, but make sure you use exactly the same coverages and limits with each company. If you have mixed coverages it’s not possible to find the best deal for your Toyota Highlander.

Are you getting all your discounts?

The cost of insuring your cars can be expensive, but you can get discounts to cut the cost considerably. A few discounts will automatically apply at the time of quoting, but a few need to be specifically requested in order for you to get them. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • Claim Free – Drivers with accident-free driving histories can save substantially as compared to drivers who are more careless.
  • Braking Control Discount – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Senior Discount – Older drivers may qualify for a discount up to 10% for Highlander coverage.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy can get a discount on all vehicles.
  • Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Club Memberships – Being a member of a professional or civic organization may earn a discount when buying car insurance for Highlander coverage.
  • Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% for Highlander coverage with certain companies.

Keep in mind that most of the big mark downs will not be given to your bottom line cost. Some only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like you can get free auto insurance, companies don’t profit that way. Any qualifying discounts will reduce your overall premium however.

Car insurance companies that possibly offer some of the above discounts include:

  • GEICO
  • Mercury Insurance
  • Farmers Insurance
  • Auto-Owners Insurance
  • Liberty Mutual
  • SAFECO
  • Progressive
  • USAA

Double check with each insurance company which discounts they offer. Discounts might not be offered in your state.

When might I need an agent?

When it comes to choosing coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s needs are different.

For example, these questions can aid in determining whether you would benefit from an agent’s advice.

  • Do I have coverage for damage caused while driving under the influence?
  • Why am I required to get a high-risk car insurance policy?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I need replacement cost coverage?
  • At what point should I drop full coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does my insurance cover my expensive audio equipment?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverages for a 2003 Toyota Highlander

Having a good grasp of your policy aids in choosing which coverages you need 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.

Collision insurance

This coverage covers damage to your Highlander resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as backing into a parked car, scraping a guard rail, colliding with a tree and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a deer, hail damage, vandalism, damage from getting keyed and damage from flooding. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability

Liability insurance can cover damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU from legal claims by others, 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 might see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like medical expenses, legal defense fees and court costs. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as prosthetic devices, EMT expenses and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

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