Cheapest 2010 Toyota Highlander Insurance Rates in 2023
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UPDATED: Dec 7, 2021
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Finding affordable insurance coverage can be difficult for people who are new to shopping for insurance online. Consumers have so many options available that it can turn into a real hassle to find lower rates.
It’s a good idea to compare rates every six months because insurance rates change quite often. Even if you got the best price for Highlander coverage two years ago there may be better deals available now. So ignore everything you know about insurance coverage because you’re about to learn how to use online quotes to reduce your cost while increasing coverage.
Buying the lowest cost coverage is not that difficult. Basically, every driver who is required by state law to have insurance coverage will be able to save money. Nevertheless, vehicle owners need to have an understanding of how companies price insurance differently.
Elements that influence Toyota Highlander insurance rates
It’s important that you understand the different types of things that go into determining car insurance rates. When you know what positively or negatively influences your rates enables informed choices that can help you get big savings.
- Liability coverage is cheap – Liability insurance is the coverage that protects you if a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
- Too many car insurance claims drive up costs – If you frequently file small claims, you can pretty much guarantee higher rates. Companies generally give cheaper rates to drivers who file claims infrequently. Insurance coverage is intended for the large, substantial claims.
- Special features that cut premiums – Choosing a vehicle with a theft deterrent system can help lower your rates. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your vehicle from being stolen.
- Safer cars are cheaper to insure – Vehicles with good safety scores tend to have better insurance rates. The safest vehicles protect occupants better and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Toyota Highlander earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
- How many coverages with the same company – Most companies will give a discount to policyholders who carry more than one policy. It’s known as a multi-policy discount. Discounts can add up to anywhere from five to ten percent in most cases. Even with this discount, it’s still a good idea to shop around to ensure the best deal.
Lots of discounts mean lots of savings
Insuring your vehicles can cost a lot, but there could be available discounts to cut the cost considerably. Certain discounts will be triggered automatically when you complete an application, but a few need to be asked for in order for you to get them.
- Federal Government Employee – Simply working for the federal government could cut as much as 10% off for Highlander coverage with certain companies.
- New Vehicle Savings – Insuring a new car can cost up to 25% less compared to insuring an older model.
- Club Memberships – Belonging to a professional or civic organization could qualify you for a break on your policy for Highlander coverage.
- Paperless Signup – Certain companies may give you up to $50 simply for signing on their website.
- Distant Student – Children who are attending college and don’t have a car can be insured at a reduced rate.
- Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
- Save over 55 – If you’re over the age of 55, you may receive better car insurance rates for Highlander coverage.
- Drivers Ed for Students – Have your child take driver’s ed class if offered at their school.
- Air Bag Discount – Vehicles with factory air bags or motorized seat belts can receive discounts of 20% or more.
- Defensive Driving Course – Taking a defensive driving course can save you 5% or more and easily recoup the cost of the course.
Consumers should know that most discounts do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, it doesn’t quite work that way. Any amount of discount will reduce your overall premium however.
Companies that may offer these benefits may include but are not limited to:
- The Hartford
- State Farm
Check with every prospective company which discounts you may be entitled to. All car insurance discounts might not be offered in every state.
Situations that might require an agent
When it comes to buying the right insurance coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.
For instance, these questions might help in determining if your insurance needs would benefit from an agent’s advice.
- Will my insurance pay for OEM parts?
- What companies insure drivers after a DUI or DWI?
- How high should deductibles be on a 2010 Toyota Highlander?
- When can I cancel my policy?
- When should I not file a claim?
- Do I need roadside assistance coverage?
- What is no-fault insurance?
- Will I be non-renewed for getting a DUI or other conviction?
- Do I need medical payments coverage since I have good health insurance?
If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form.
Educate yourself about auto insurance coverages
Learning about specific coverages of a auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be ambiguous and nobody wants to actually read their policy.
Liability car insurance
This coverage will cover injuries or damage you cause to a person or their property by causing an accident. It 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 commonly see values of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.
Liability can pay for claims such as pain and suffering, structural damage, medical services, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.
Coverage for collisions
Collision insurance pays for damage to your Highlander from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.
Collision coverage protects against things such as colliding with a tree, sustaining damage from a pot hole and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.
Protection from uninsured/underinsured drivers
Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2010 Toyota Highlander.
Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Most of the time these limits do not exceed the liability coverage limits.
Medical expense insurance
Med pay and PIP coverage provide coverage for expenses for doctor visits, ambulance fees and rehabilitation expenses. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage
Comprehensive (Other than Collision)
Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims like hail damage, damage from flooding, vandalism, a broken windshield and hitting a deer. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.
Don’t break the bank
Consumers switch companies for a number of reasons such as poor customer service, not issuing a premium refund, unfair underwriting practices and high rates after DUI convictions. Regardless of your reason, switching insurance companies is less work than it seems.
Cost effective 2010 Toyota Highlander insurance can be bought online and also from your neighborhood agents, so you should compare both so you have a total pricing picture. Some insurance companies may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.
We covered quite a bit of information on how to save on insurance. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from a small mutual company.
More detailed insurance information can be read at these sites:
- Child Safety FAQ (iihs.org)
- Who Has Affordable Cleveland Car Insurance for a Toyota Highlander? (ClevelandCoverage.com)
- Teen Driving Statistics (iihs.org)
- Five Tips to Save on Auto Insurance (Insurance Information Insitute)
- Frontal Crash Tests (iihs.org)
- Avoiding Deer Collisions (Insurance Information Insitute)
- Event Data Recorders FAQ (iihs.org)
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