Save on 2008 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 6, 2021

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No one enjoys paying for insurance coverage, especially knowing they are paying too much. Insurance companies such as State Farm, Progressive and GEICO all claim big savings, bombarding you with advertising and it is difficult to sift through the bull and do the work needed to find the best deal.

You should make it a habit to check insurance coverage prices once or twice a year because prices trend upward over time. Just because you had the lowest rates on Highlander insurance a couple years back you may be paying too much now. So just ignore everything you know about insurance coverage because you’re going to learn one of the best ways to save money, get proper coverage and the best rates.

If you have a policy now or are shopping for new coverage, you can use these tips to cut your premiums while maintaining coverages. Finding affordable coverage is easy if you know what you’re doing. Drivers just need to understand the proper way to buy insurance coverage over the internet.

Save with discounts on 2008 Toyota Highlander insurance

Companies do not list every available discount in an easy-to-find place, so we took the time to find some of the more common and the harder-to-find ways to save on insurance coverage. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Anti-theft System – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • No Charge for an Accident – A handful of insurance companies allow you one accident without raising rates as long as you don’t have any claims for a certain period of time.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy life insurance.
  • Use Seat Belts – Drivers who require all occupants to use their safety belts could cut 10% or more off the personal injury premium cost.
  • Discount for Swiching Early – Select companies give a discount for switching to them before your current expiration date. The savings is around 10%.
  • Organization Discounts – Belonging to a qualifying organization is a good way to get lower rates when buying insurance coverage on Highlander insurance.

Consumers should know that some of the credits will not apply to the entire policy premium. Most only cut individual premiums such as liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, you won’t be that lucky.

Companies that may offer these money-saving discounts may include but are not limited to:

  • Mercury Insurance
  • Farmers Insurance
  • Farm Bureau
  • State Farm
  • Allstate
  • GEICO

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. All car insurance discounts may not apply in your state.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s needs are different so your insurance needs to address that. For example, these questions may help you determine if your situation will benefit from professional help.

  • Will I lose any money if I cancel my policy before it expires?
  • What is no-fault insurance?
  • Do I need an umbrella policy?
  • Why am I required to get a high-risk car insurance policy?
  • Can I afford low physical damage deductibles?
  • Can I drive in Mexico and have coverage?
  • Am I covered when using my vehicle for business?

Do drivers who switch really save $406 a year?

Consumers constantly see and hear ads for car insurance savings from companies such as Progressive, Allstate and GEICO. They all make the same claim of big savings if you switch your policy.

How do they all claim to save you money?

All the different companies have a preferred profile for the driver that makes them money. For example, a desirable insured could possibly be between 25 and 40, a clean driving record, and chooses high deductibles. A propective insured who fits that profile will get the preferred rates and most likely will save quite a bit of money when switching.

Potential insureds who don’t measure up to this ideal profile must pay higher prices which usually ends up with business not being written. The ad wording is “people who switch” not “people who quote” save that much money. That’s why insurance companies can confidently claim big savings. This illustrates why it’s extremely important to quote coverage with many companies. It’s not possible to predict which auto insurance company will fit your personal profile best.

Insurance coverage considerations

Learning about specific coverages of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most insurance policies.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like fire damage, damage from a tornado or hurricane and falling objects. The highest amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a building, colliding with a tree and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like prosthetic devices, funeral costs, dental work, nursing services and chiropractic care. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverage

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

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for things such as repair costs for stationary objects, loss of income, pain and suffering, repair bills for other people’s vehicles and court costs. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Toyota Highlander.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Cheaper insurance is a realistic goal

While you’re price shopping online, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are many occasions where consumers will sacrifice full coverage only to discover later that they should have had better coverage. The ultimate goal is to buy the best coverage you can find at a price you can afford.

In this article, we presented many ways to get a better price on 2008 Toyota Highlander insurance. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding lower rates. Consumers could even find that the best prices are with a small mutual company. Some small companies may cover specific market segments cheaper than the large multi-state companies such as Progressive and GEICO.

More tips and info about auto insurance can be found by following these links:

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