Compare 2008 Toyota Highlander Hybrid 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: May 12, 2022

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Want lower auto insurance rates for your Toyota Highlander Hybrid? Are you a victim of overpriced auto insurance? Trust us, many consumers feel financially strained by their auto insurance policy.

You have so many insurers to purchase coverage from, and although it’s a good thing to have a choice, it can be more difficult to find the lowest cost provider.

You need to shop coverage around periodically since rates change frequently. Just because you found the best rates for Highlander Hybrid coverage last year there is a good chance you can find better rates now. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to one of the easiest ways to save money, get proper deductibles and limits, all at the lowest rate.

Finding the best coverage can be fairly easy. Basically, every vehicle owner who shops for insurance stands a good chance to be able to find lower rates. Although drivers need to learn how big insurance companies determine prices and take advantage of how the system works.

Discounts are basically free money

Car insurance is not cheap, but you may find discounts that many people don’t even know exist. A few discounts will automatically apply when you quote, but a few must be inquired about before they will apply.

  • Fewer Miles Equal More Savings – Fewer annual miles on your Toyota could qualify for lower rates on the low mileage vehicles.
  • Save with a New Car – Insuring a new car can save up to 30% compared to insuring an older model.
  • No Accidents – Claim-free drivers can earn big discounts compared to accident-prone drivers.
  • Multiple Policy Discount – If you have multiple policies with one company you will save at least 10% off all policies.
  • Safety Course Discount – Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • Club Memberships – Being a member of a qualifying organization is a good way to get lower rates when buying insurance coverage for Highlander Hybrid coverage.
  • Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates for Highlander Hybrid coverage than their less cautious counterparts.
  • College Student – Any of your kids who are attending college without a vehicle on campus may qualify for this discount.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears you could get a free insurance coverage policy, companies don’t profit that way. Any qualifying discounts will help reduce the amount you have to pay.

To see a list of insurance companies offering insurance coverage discounts, click here to view.

Impacting insurance rates for a Toyota Highlander Hybrid

It’s important that you understand some of the elements that come into play when calculating the rates you pay for insurance coverage. Knowing what influences your rates enables informed choices that can help you get lower insurance coverage prices.

  • Your occupation can affect rates – Careers like lawyers, social workers and financial analysts are shown to have higher average rates attributed to job stress and lots of time spent at work. Conversely, professions such as scientists, engineers and retirees pay the least for Highlander Hybrid coverage.
  • The more you drive the more you pay – The more miles you rack up on your Toyota in a year’s time the more you will pay for insurance coverage. Most companies price each vehicle’s coverage based on how the vehicle is used. Autos that are left in the garage receive lower rates than those used for commuting. Having the wrong rating on your Highlander Hybrid can cost quite a bit. Verify your insurance coverage policy is showing how each vehicle is driven, because improper ratings can cost you money.
  • Never allow your policy to lapse – Having an insurance coverage lapse will be a quick way to increase your insurance coverage rates. And not only will insurance be more expensive, but not being able to provide proof of insurance can result in a revoked license or a big fine.Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • Discounts for multiple policies – The majority of insurers give discounts to people who carry more than one policy such as combining an auto and homeowners policy. Discounts can be five, ten or even twenty percent. Even though this discount sounds good, you still need to compare rates to confirm you are receiving the best rates possible.

Which insurance is the “right” coverage?

When it comes to buying proper insurance coverage, there really is not a “best” method to buy coverage. Each situation is unique so your insurance needs to address that. For instance, these questions can aid in determining if you may require specific advice.

  • Why does it cost so much to insure a teen driver?
  • Do I have newly-aquired coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I have coverage when using my vehicle for my home business?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I covered when driving someone else’s vehicle?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I have any recourse if my insurance company denies a claim?

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 a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Advertising myths

Companies like Allstate, GEICO and Progressive constantly bombard you with ads on television and other media. All the ads say the same thing about savings if you switch to their company. How do they all make the same claim? This is how they do it.

Insurance companies have a certain “appetite” for the type of driver that is profitable for them. For example, a desirable insured could be over the age of 50, has no prior claims, and has great credit. Any new insured who matches those parameters is entitled to the best price and as a result will probably save when they switch companies.

Potential customers who don’t measure up to these standards will be charged higher prices which usually ends up with the customer not buying. The ad wording is “people who switch” not “everybody who quotes” save that much. This is how insurance companies can advertise the savings.

That is why you absolutely need to get a wide range of price quotes. Because you never know which insurance companies will fit your personal profile best.

Car insurance coverages and their meanings

Having a good grasp of car insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverage types found on most car insurance policies.

Comprehensive coverage – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, a broken windshield, damage from flooding and hitting a bird. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 2008 Toyota Highlander Hybrid.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for funeral costs, doctor visits and nursing services. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Coverage for liability – This can cover injuries or damage you cause to people or other property in an accident. This insurance protects YOU from claims by other people. 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 commonly see liability limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as emergency aid, attorney fees, loss of income and pain and suffering. How much coverage you buy is up to you, but consider buying as much as you can afford.

Collision – This coverage covers damage to your Highlander Hybrid resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a building, damaging your car on a curb, sustaining damage from a pot hole, colliding with another moving vehicle and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Save for a rainy day

Cheap 2008 Toyota Highlander Hybrid insurance is attainable both online and also from your neighborhood agents, so you should compare both in order to have the best price selection to choose from. Some companies may not provide online price quotes and most of the time these small, regional companies sell through independent agents.

When shopping online for insurance, you should never sacrifice coverage to reduce premiums. There are many occasions where an insured dropped comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

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