2009 Toyota Highlander 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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Searching for better auto insurance rates for your Toyota Highlander? Having to pay for overpriced auto insurance can drain your checking account and force you to prioritize other expenses. Shopping your coverage around is free and is an excellent way to make sure you’re not throwing money away.

Numerous car insurance companies battle to insure your vehicles, and it can be difficult to compare rates to get the lowest rate

Smart consumers take time to check auto insurance prices on a regular basis since insurance rates are adjusted regularly by insurance companies. Just because you found the lowest price for Highlander coverage a year ago you will most likely find a better rate today. So forget all the misinformation about auto insurance because you’re going to get a crash course in one of the easiest ways to reduce your cost while increasing coverage.

If you are paying for car insurance now, you will most likely be able to save some money using these tips. Choosing the best insurance company for you is not that difficult. Nevertheless, car owners do need to understand how the larger insurance companies sell online and take advantage of how the system works.

Finding Insurance Coverage

There are several ways of comparing rate quotes from insurance coverage companies in your area. The fastest way to compare 2009 Toyota Highlander insurance prices is to perform an online rate comparison. This is very easy and can be done in several different ways.

  1. One of the simplest ways consumers can analyze rates is to use a rate comparison form click to view form in new window. This type of form prevents you from having to do repetitive form submissions to each individual insurance coverage company. One form submission gets you price quotes from several companies.
  2. A different way to analyze rates is spending the time to visit each company’s website to complete a price quote.
  3. The least recommended method to compare rates is to spend time driving to local insurance agencies. The ability to buy insurance online can eliminate the need for a local agent unless you have a need for the professional advice that only a license agent can provide. However, consumers can comparison shop your insurance online but still have the advice of a local agent and we’ll touch on that later.

It’s up to you how you get prices quotes, just ensure you’re using exactly the same coverage limits with each company. If you enter higher or lower deductibles you can’t possibly determine which rate is truly the best. Just a small difference in insurance coverages may cause a big price difference. And when comparison shopping, having more price comparisons will improve the odds of getting a better price.

These factors can influence Toyota Highlander insurance rates

An important part of buying insurance is that you know some of the elements that play a part in calculating the rates you pay for insurance coverage. Having a good understanding of what controls the rates you pay allows you to make educated decisions that may reward you with much lower annual insurance costs.

Shown below are a partial list of the pieces companies use to determine rates.

  • Optional equipment can affect rates – Owning a car with a theft deterrent system can save you a little every year. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your car from being stolen.
  • Being married can save on insurance coverage – Having a wife or husband helps lower the price on your insurance coverage policy. Marriage means you’re more responsible and it’s statistically proven that drivers who are married are more cautious.
  • Women pay lower rates – The statistics show women tend to be less risk to insure than men. However, don’t assume that men are worse drivers. Both sexes cause accidents in similar numbers, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations such as reckless driving.
  • What are your deductibles? – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Toyota. A few examples of covered claims would be a windshield shattered by a rock, damage from fire, and burglary. Deductibles for physical damage are how much you are willing to pay before your insurance coverage pays a claim. The higher the amount you have to pay, the less your insurance coverage will be for Highlander coverage.
  • One company can mean more discounts – The majority of companies give discounts to customers who consolidate policies with them, otherwise known as a multi-policy discount. Even with this discount, it’s still a good idea to compare rates to make sure you are getting the best deal. Consumers may find a better deal by splitting coverages up.
  • Never go without insurance – Having an insurance coverage lapse is a quick way to trigger a rate increase. And not only will insurance be more expensive, but being ticketed for driving with no insurance can result in a steep fine or even jail time.
  • Bad driving skills means higher rates – Even a single ticket can increase rates twenty percent or more. Good drivers receive lower rates than their less careful counterparts. Drivers who get dangerous violations such as DWI, reckless driving or hit and run convictions may be required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent a license revocation.
  • Do you have enough liability coverage? – Liability insurance is the coverage that protects you when you are found liable for damages from an accident. It provides legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so drivers should carry high limits.

Be sure to get all your discounts

Car insurance companies don’t list all their discounts very well, so we break down some of the more common and the more hidden ways to save on car insurance.

  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Homeowners Pay Less – Simply owning a home may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Multi-car Discount – Having more than one vehicle on one policy could earn a price break for each car.
  • Resident Student – Kids in college living away from home attending college and do not have a car may qualify for this discount.
  • Discount for Life Insurance – Select insurance companies reward you with lower rates if you buy life insurance.
  • Military Rewards – Having a family member in the military may qualify for rate reductions.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them prior to your current policy expiring. The savings is around 10%.

As a disclaimer on discounts, most of the big mark downs will not be given the whole policy. Some only apply to specific coverage prices like collision or personal injury protection. Just because it seems like you can get free auto insurance, you’re out of luck.

How do I know if I need professional advice?

When it comes to choosing the right insurance coverage for your vehicles, there is no one size fits all plan. Everyone’s needs are different and your policy should reflect that. These are some specific questions may help you determine whether your personal situation may require specific advice.

  • What is UM/UIM insurance?
  • Do I need PIP coverage since I have good health insurance?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I better off with higher deductibles on my 2009 Toyota Highlander?
  • Can I afford to buy a different vehicle if my 2009 Toyota Highlander is totaled?
  • Is my 2009 Toyota Highlander covered for flood damage?
  • When would I need additional glass coverage?

Detailed coverages of your insurance policy

Learning about specific coverages of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on most insurance policies.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like falling objects, fire damage and hail damage. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Toyota Highlander.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability auto insurance

This provides protection from damages or injuries you inflict on people or other property. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things such as legal defense fees, medical services, loss of income and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Collision insurance

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a mailbox, scraping a guard rail, colliding with another moving vehicle, rolling your car and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for expenses such as ambulance fees, nursing services, rehabilitation expenses and chiropractic care. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Shop around and save

You just read many ways to lower your 2009 Toyota Highlander insurance rates. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. You may even discover the biggest savings come from a smaller regional carrier. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive or GEICO.

Cost effective insurance can be bought on the web and also from your neighborhood agents, and you need to price shop both to get a complete price analysis. There are still a few companies who may not provide online quoting and these small, regional companies work with independent agents.

More tips and info about insurance is available at these sites:

  • Should I Buy a New or Used Car? (Allstate)
  • Auto Insurance Basics (Insurance Information Insitute)
  • Auto Insurance FAQ (Farmers Insurance)
  • Airbag FAQ (iihs.org)

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