View 2018 Toyota Highlander Car Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 17, 2024

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Sick and tired of scraping the payment together to insure your Toyota every month? You’re in the same situation as many other consumers.

You have so many insurers to pick from, and though it is a good thing to have a choice, it can be more challenging to compare rates and cut insurance costs.

It’s important to compare rates every six months because prices are usually higher with each renewal. Even if you think you had the best rates for Highlander coverage at your last renewal other companies may now be cheaper. Block out anything you think you know about insurance because you’re about to learn the best methods to reduce your cost while improving coverage.

Choosing the best insurance company for you is easy if you know what you’re doing. If you have car insurance now, you will be able to cut costs considerably using these methods. Although vehicle owners need to learn how companies market insurance on the web and take advantage of how the system works.

Compare insurance coverage quotes online

The majority of larger companies give insurance quotes from their websites. Doing online price comparisons is easy for anyone because it’s just a matter of typing in your personal and coverage information into a form. Behind the scenes, the company’s rating system collects your driving record and credit report and generates pricing information based on the information you submitted. Online price quotes makes it easy to compare insurance prices but the time required to go to a lot of sites and fill out multiple forms can be a bit repetitive. But it’s absolutely necessary to get many rate quotes in order to find better prices.

The easiest way to compare insurance coverage pricing utilizes a single form that obtains quotes from a lot of companies. It saves time, eliminates repetitive work, and makes comparison shopping much more enjoyable. Once the form is submitted, it gets priced and you can select any of the resulting price quotes. If you find a better price you can simply submit the application and buy the policy. It can be completed in a matter of minutes and may save quite a bit of money.

In order to compare rates now, simply enter your zip code here and submit your coverage information. If you have a policy now, it’s recommended you input your coverages as shown on your current policy. This way, you will get a rate comparison for exact coverage.

Discount insurance coverage quotes

Some insurers don’t list the entire discount list in an easy-to-find place, so the list below gives a summary of some of the more common and also the more inconspicuous discounts that may be available. If you are not receiving all the discounts possible, you could be paying more than you need to.

  • Memberships – Having an affiliation with specific professional or occupational memberships or organizations may earn a discount on your next renewal.
  • Telematics Data Discounts – Insureds that choose to allow companies to spy on driving patterns by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks as long as they are good drivers.
  • Accident Free – Drivers with accident-free driving histories have much lower rates in comparison with frequent claim filers.
  • Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use a seat belt can save a little off PIP or medical payments premium.
  • Discounts for Responsible Drivers – Drivers without accidents can save as much as half off their rates for Highlander coverage than less cautious drivers.

As is typical with insurance, many deductions do not apply to your bottom line cost. Most only apply to individual premiums such as physical damage coverage or medical payments. Despite the appearance that adding up those discounts means a free policy, company stockholders wouldn’t be very happy. But any discount will bring down the premium cost.

Some of the insurance companies that have some of the discounts shown above are:

  • The Hartford
  • American Family
  • Progressive
  • Travelers
  • Farmers Insurance
  • USAA
  • Liberty Mutual

Before buying, ask each company how many discounts you can get. Some discounts may not be available in your state. If you would like to choose from a list of insurance companies who offer online insurance coverage quotes, enter your zip code here.

Toyota Highlander insurance premiums can be reduced

Many things are considered when quoting car insurance. A few of the factors are predictable such as your driving history, but some are more transparent such as your marital status or how financially stable you are. An important part of buying insurance is that you know the different types of things that play a part in calculating the level of your policy premiums. When you understand what impacts premium levels, this enables you to make decisions that may reward you with lower premium levels.

Shown below are just a few of the factors used by companies to determine your premiums.

  • Do safer cars cost less to insure? – Vehicles with good safety scores get lower rates. Safer cars have better occupant injury protection and lower rates of occupant injuries translates directly to fewer claims which can mean better rates for you. If your Toyota Highlander is rated at least four stars on or an “acceptable” rating on it may cost less to insure.
  • Bundle policies and save – Many insurers allow discounts for people that buy multiple policies, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s always a smart idea to check prices from other companies to guarantee you are still saving the most. There is a good possibility that you can save more without the discount by splitting coverages up.
  • Little extras can really add up – There are many additional extra coverages that you can buy if you aren’t diligent. Coverages like rental car reimbursement, death and dismemberment, and Farm Bureau memberships may be costing you every month. These coverages may sound good when deciding what coverages you need, but if you don’t need them remove them from your policy.
  • Annual miles impacts premiums – The more miles you rack up on your Toyota annually the more you’ll pay to insure your vehicle. The majority of insurers charge rates based on how the vehicle is used. Autos that do not get driven very much can get a lower rate compared to those used for work or business. Having an incorrect usage rating on your Highlander can cost quite a bit. It’s a smart idea to ensure your policy is rated on how each vehicle is driven, because it can save money.
  • Use but don’t abuse your insurance – If you’re an insured who likes to file claims don’t be surprised to see higher premiums or even policy non-renewal. Car insurance companies award discounts to drivers who do not rely on their insurance for small claims. Your car insurance is intended for major claims that would cause financial hardship.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage, there isn’t really a “perfect” insurance plan. Each situation is unique so your insurance should reflect that For instance, these questions might help in determining if you will benefit from professional help.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Is there coverage for injuries to my pets?
  • Is my 2018 Toyota Highlander covered for flood damage?
  • Is my teenager covered with friends in the car?
  • Why does it cost so much to insure a teen driver?
  • Is other people’s property covered if stolen from my vehicle?
  • Where can I find high-risk insurance?
  • How do I buy GAP insurance?
  • Is my teen driver covered when they drive my company car?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, complete your zip code.

Be skeptical of car insurance ads

Car insurance providers like State Farm, GEICO and Progressive consistently run television and radio advertisements. They all make the same claim about saving some big amount just by switching your car insurance policy to them. How does every company save you money? This is the trick they use.

All companies require specific criteria for the type of customer that will not have excessive claims. One example of a preferred risk could be between 25 and 40, has no claims, and has great credit. Anybody that meets those criteria will get low premium rates and therefore will pay quite a bit less when switching companies.

Potential customers who do not match the ideal profile will be quoted higher prices and this can result in the driver buying from a lower-cost company. If you pay attention, the ads say “people who switch” not “everybody who quotes” save that much when switching. This is how companies can lure you into getting a quote. That is why you absolutely need to compare price quotes frequently. You cannot predict which company will fit your personal profile best.

The coverage is in the details

Learning about specific coverages of your car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages found on the average car insurance policy.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Toyota Highlander.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Liability coverage

Liability coverage provides protection from injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property.

Liability insurance covers things like loss of income, repair costs for stationary objects, medical services and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical payments

Med pay and PIP coverage kick in for short-term medical expenses for hospital visits, surgery, X-ray expenses, pain medications and dental work. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Auto collision coverage

This coverage will pay to fix damage to your Highlander resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as driving through your garage door, colliding with a tree, scraping a guard rail and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive coverages

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from getting keyed, hitting a deer, theft and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Make an honest buck

Some insurance companies do not provide price quotes online and usually these small insurance companies provide coverage only through local independent agents. Cheap 2018 Toyota Highlander insurance can be found from both online companies and from local insurance agents, and you need to comparison shop both to get a complete price analysis.

When buying insurance coverage, never skimp on coverage in order to save money. In many instances, an accident victim reduced collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. The aim is to purchase plenty of coverage at a price you can afford, but don’t skip important coverages to save money.

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