2013 Toyota Highlander Insurance Rates

Average insurance rates for a 2013 Toyota Highlander are $1,224 a year for full coverage insurance. Comprehensive costs an estimated $248, collision costs $358, and liability costs around $460. Buying a liability-only policy costs as low as $510 a year, with high-risk insurance costing around $2,634. Teenage drivers receive the highest rates at $4,702 a year or more.

Annual premium for full coverage: $1,224

Rate estimates for 2013 Toyota Highlander Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 2013 Toyota Highlander models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

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These differences illustrate why everyone should compare prices for a targeted area and risk profile, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Want the cheapest insurance rates for your Toyota Highlander? Have you had enough of robbing Peter to pay Paul to pay your car insurance bill each month? You are no different than the majority of other car owners.

You have so many auto insurance companies to choose from, and although it’s nice to have multiple companies, it makes it harder to find a good deal.

This information will help you learn the best way to quote coverages and some tricks to saving. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these tips. Although drivers should learn the way companies compete online and use this information to your advantage.

How to Compare Insurance Costs

All the larger insurance companies allow you to get coverage prices on the web. This process is fairly straightforward as you simply type in the coverages you want into a form. Upon sending the form, the system requests reports for credit and driving violations and generates a price. Quoting online makes comparing rates easy, but the time required to go to a lot of sites and complete many quote forms is repetitive and time-consuming. But it’s absolutely necessary to have as many quotes as possible in order to get better insurance pricing.

A more efficient way to get multiple rate quotes is to use a quote form to get prices from a bunch of companies at once. It’s a real time-saver, eliminates repetitive work, and makes online shopping much easier to do. After sending the form, it gets priced and you can choose any one of the pricing results.

If the quotes result in lower rates, you can simply submit the application and buy the policy. This process can be completed in a matter of minutes and could lower your rates considerably.

If you want to fill out one form to compare multiple rates now, click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend you replicate your coverages identical to your current policy. Doing this guarantees you will be getting rate comparison quotes using the same coverage and limits.

Do you qualify for a discount?

The price of auto insurance can be rather high, buy you may qualify for discounts to help offset the cost. Some discounts apply automatically when you quote, but some must be inquired about before you will receive the discount.

• Homeowners Discount – Owning a home can save you money because of the fact that having a home shows financial diligence.
• Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in school.
• Good Student Discount – Getting good grades can save 20 to 25%. This discount can apply up until you turn 25.
• Multi-policy Discount – When you have multiple policies with the same insurance company you will save approximately 10% to 15%.
• Drive Safe and Save – Safe drivers can pay as much as 50% less on Highlander insurance than drivers with accident claims.
• Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
• Passive Restraints – Vehicles equipped with air bags or motorized seat belts can get savings up to 30%.
• Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
• Discount for Swiching Early – Select companies give a discount for switching to them prior to your current policy expiring. The savings is around 10%.

It’s important to understand that many deductions do not apply to all coverage premiums. Some only apply to individual premiums such as physical damage coverage or medical payments. Just because it seems like it’s possible to get free car insurance, you won’t be that lucky. Any qualifying discounts will cut the amount you have to pay.

Car insurance companies that may offer these money-saving discounts include:

• State Farm
• Progressive
• Travelers
• American Family
• Liberty Mutual

Double check with all companies you are considering what discounts are available to you. All car insurance discounts might not be offered in your area.

What coverages do I need?

When choosing proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Every insured’s situation is different so this has to be addressed. For example, these questions could help you determine whether your personal situation could use an agent’s help.

• Can I get a multi-policy discount for packaging my home and auto coverage?
• Why is insurance for a teen driver so high?
• Are my friends covered when driving my 2013 Toyota Highlander?
• When does my teenage driver need to be added to my policy?
• What companies insure drivers after a DUI or DWI?
• Do I need rental car coverage?
• Does my 2013 Toyota Highlander qualify for pleasure use?
• Does my car insurance cover rental cars?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Auto insurance 101

Learning about specific coverages of a car insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages found on the average car insurance policy.

Coverage for liability

This coverage can cover damage that occurs to other’s property or people that is your fault. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, 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 $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property. Alternatively, you may have a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like bail bonds, repair bills for other people’s vehicles, repair costs for stationary objects and funeral expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Collision protection

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as sustaining damage from a pot hole, crashing into a building, damaging your car on a curb, backing into a parked car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Toyota Highlander.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive car insurance

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, hitting a bird and hail damage. The most your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for immediate expenses for nursing services, surgery, chiropractic care and ambulance fees. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage