2006 Toyota Highlander Hybrid Insurance Cost – 9 Ideas for Best Prices

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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: May 12, 2022

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No one in their right mind likes paying for insurance coverage, in particular when they are paying too much.

Online insurance companies like Allstate, Progressive and GEICO constantly blast consumers with advertising and it is difficult to sift through the bull and take the time to shop coverage around.

If you have car insurance now, you will be able to reduce your rates substantially using these techniques. Choosing the best insurance company for you is not rocket science. Although car owners do need to understand the way insurance companies price insurance differently.

Lots of discounts mean lots of savings

Insurance can cost an arm and a leg, but you can get discounts to help offset the cost. Certain discounts will be triggered automatically when you quote, but less common discounts must be asked for prior to receiving the credit.

  • Theft Prevention System – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Homeowners Pay Less – Being a homeowner can help you save on insurance coverage because maintaining a house demonstrates responsibility.
  • Auto/Life Discount – Larger companies have lower rates if you buy a life insurance policy as well.
  • Low Mileage Discounts – Keeping the miles down on your Toyota could qualify for better rates on cars that stay parked.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Paperless Signup – Certain companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Discount for New Cars – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Multiple Cars – Having all your vehicles with the same company qualifies for this discount.
  • Good Students Pay Less – This discount can get you a discount of up to 25%. Earning this discount can benefit you until age 25.

A little note about advertised discounts, some credits don’t apply to the entire policy premium. Most only apply to the cost of specific coverages such as medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, it just doesn’t work that way. But any discount will reduce the amount you have to pay.

A partial list of companies that possibly offer some of the above discounts include:

It’s a good idea to ask every prospective company what discounts are available to you. All car insurance discounts might not be offered in every state.

How to Compare Auto Insurance Quotes

There are several ways to compare Toyota Highlander Hybrid auto insurance quotes, but some are easier and takes less work. You can waste hours talking to insurance companies in your area, or you could use the internet to achieve your goal.

Many popular insurance companies enroll in a system that allows shoppers to only type in their quote data once, and at least one company returns a rated price determined by their information. This prevents consumers from doing quotation requests for each company you want a rate for.

To compare 2006 Toyota Highlander Hybrid rates now click to open in new window.

The only downside to using this type of form is that you can’t choose the providers to get quotes from. So if you want to select from a list of companies to compare prices, we have a page of auto insurance companies in your area. Click to view list.

Whichever method you choose, compare the exact same coverage limits and deductibles for each price quote. If you enter unequal deductibles or liability limits it will be next to impossible to determine the lowest rate for your Toyota Highlander Hybrid. Slightly different limits can make a big difference in price. Keep in mind that quoting more gives you a better chance of getting the best offered rates.

Situations that might require an agent

When choosing the best insurance coverage, there is no perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. For instance, these questions can help discover whether you may require specific advice.

  • Does my policy cover me when driving someone else’s vehicle?
  • What can I do if my company won’t pay a claim?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does insurance cover tools stolen from my truck?
  • Should I buy full coverage?
  • Are my friends covered when driving my 2006 Toyota Highlander Hybrid?
  • Is pleasure use cheaper than using my 2006 Toyota Highlander Hybrid to commute?
  • Does my policy pay for OEM or aftermarket parts?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Learn about insurance coverages for a Toyota Highlander Hybrid

Learning about specific coverages of your insurance policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Shown next are the usual coverages available from insurance companies.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like dental work, hospital visits, funeral costs, surgery and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Liability auto insurance

Liability coverage protects you from damage or injury you incur to other’s property or people in an accident. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like attorney fees, court costs, legal defense fees and bail bonds. How much coverage you buy is up to you, but buy as much as you can afford.

Comprehensive protection

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, rock chips in glass, falling objects, vandalism and fire damage. The most your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Collision insurance

Collision coverage pays for damage to your Highlander Hybrid resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like hitting a parking meter, sideswiping another vehicle and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Save your cold hard cash

We’ve covered some good ideas how to compare 2006 Toyota Highlander Hybrid insurance prices online. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Drivers may discover the best price on car insurance is with some of the lesser-known companies. Smaller companies may only write in your state and offer lower rates than their larger competitors like Allstate and Progressive.

When buying insurance coverage, make sure you don’t reduce coverage to reduce premium. There have been many cases where an insured dropped physical damage coverage only to regret at claim time that it was a big mistake. Your strategy should be to purchase plenty of coverage at a price you can afford while still protecting your assets.

Budget-conscious insurance is possible on the web and with local insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance companies do not offer online quoting and many times these small insurance companies only sell through independent insurance agents.

Much more information about car insurance can be read below:

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