2019 Toyota Highlander Car Insurance Cost in 2024 – 8 Discounts for Cheapest Prices

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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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Want cheaper auto insurance rates for your Toyota Highlander? No car owner fancies paying their premiums for auto insurance, especially when they know they could find better rates elsewhere.

Because there are so many companies to choose from, it’s difficult to find the most affordable insurance company.

Double check you’re getting these eight money-saving discounts

Auto insurance is easily one of your largest bills, but there are discounts available that you may not even know about. Certain reductions will be credited when you complete an application, but lesser-known reductions have to be requested specifically before you will receive the discount. If you are not receiving all the discounts you qualify for, you could be paying more than you need to.

  • Good Students Pay Less – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you until age 25.
  • Fewer Miles Equal More Savings – Driving fewer miles could earn substantially lower prices.
  • Senior Citizen Discount – Mature drivers can get a slight reduction on a insurance quote for Highlander insurance.
  • Safety Course Discount – Taking a safe driver course is a good idea and can lower rates if you qualify.
  • Military Rewards – Having a family member in the military may qualify for rate reductions.
  • Government Employee Discount – Being employed by or retired from a federal job can save as much as 8% for Highlander insurance depending on your auto insurance provider.
  • Own a Home – Owning a home can help you save on auto insurance because it is proof of financial responsibility.
  • Drivers Ed for Students – Require your teen driver to enroll and complete driver’s education if it’s offered in school.

While discounts sound great, it’s important to understand that most discount credits are not given to all coverage premiums. Some only reduce individual premiums such as collision or personal injury protection. If you do the math and it seems like you could get a free auto insurance policy, auto insurance companies aren’t that generous. Any qualifying discounts should help lower your premiums.

The best auto insurance companies and a summarized list of policyholder discounts are outlined below.

  • GEICO includes discounts for military active duty, defensive driver, seat belt use, daytime running lights, membership and employees, emergency military deployment, and anti-theft.
  • Auto-Owners Insurance may offer discounts for anti-lock brakes, paid in full, multi-policy, paperless, and anti-theft.
  • American Family offers discounts for Steer into Savings, good driver, early bird, air bags, and mySafetyValet.
  • Esurance may include discounts for Switch & Save, DriveSense, multi-policy, paid-in-full, and renters.
  • Progressive may have discounts that include online signing, multi-policy, good student, homeowner, online quote discount, multi-vehicle, and continuous coverage.
  • State Farm offers discounts including good student, Steer Clear safe driver discount, anti-theft, driver’s education, Drive Safe & Save, defensive driving training, and accident-free.
  • AAA has savings for good driver, pay-in-full, anti-theft, education and occupation, good student, and multi-policy.

If you are trying to find low cost insurance quotes, ask each company or agent what discounts are available to you. Some discounts listed above may not be available everywhere.

How to get free insurance quotes online

All major insurance companies like GEICO, State Farm and Progressive make it easy to get prices for coverage direct online. The process is pretty painless as you just enter your required coverages on the page. After you submit the form their quoting system gets your driving record and credit report and gives you a price quote determined by many factors. Quoting online streamlines rate comparisons, but having to visit multiple sites and type in the same information is repetitive and time-consuming. Unfortunately, it is important to perform this step in order to get lower prices.

A less time-consuming method to lower your insurance bill requires only one form to obtain quotes from several companies at one time. This type of form saves time, eliminates repetitive work, and makes comparison shopping a little more enjoyable. After sending the form, it is rated and you can select any or none of the quote results.

If the quotes result in lower rates, you simply finish the application and purchase the new policy. This process takes less than 15 minutes and could lower your rates considerably.

To get comparison pricing now, simply enter your zip code here and begin entering your coverage information. To compare your current rates, we recommend you type in the insurance coverages exactly as they are listed on your policy. Doing this guarantees you will have rate comparison quotes for the exact same coverage.

Do I need special coverages?

When it comes to choosing the right insurance coverage for your vehicles, there really is no “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions may help highlight if you would benefit from an agent’s advice.

  • Who is covered when they drive my 2019 Toyota Highlander?
  • Do I have coverage when making deliveries for my home business?
  • Should I rate my 2019 Toyota Highlander as pleasure use or commute?
  • How do I insure my teen driver?
  • When does my teenage driver need to be added to my policy?
  • Should I sign the liability waiver when renting a car?
  • Where can I get insurance after a DUI in my state?
  • Does having multiple vehicles earn me a discount?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out your zip code.

Auto insurance coverages explained

Having a good grasp of your policy aids in choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. Shown next are typical coverages offered by auto insurance companies.

Collision coverages – Collision coverage will pay to fix damage to your Highlander caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as scraping a guard rail, rolling your car and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Liability coverage – This coverage provides protection from damage or injury you incur to other people or property in an accident. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like pain and suffering, emergency aid, funeral expenses, court costs and loss of income. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these coverages are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage provide coverage for short-term medical expenses for funeral costs, nursing services, chiropractic care, rehabilitation expenses and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – This will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, damage from getting keyed, vandalism, hail damage and hitting a bird. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Be a money saver!

When searching for affordable insurance quotes, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced physical damage coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase a proper amount of coverage at the best possible price and still be able to protect your assets.

The cheapest 2019 Toyota Highlander insurance is attainable on the web and with local insurance agents, and you should compare rates from both to have the best selection. Some companies do not offer rates over the internet and most of the time these small, regional companies provide coverage only through independent agencies.

We just showed you quite a bit of information on how to get a better price on 2019 Toyota Highlander insurance. The key concept to understand is the more providers you compare, the higher your chance of finding inexpensive insurance. Consumers may even find the best price on auto insurance is with a lesser-known regional company. Regional companies may have significantly lower prices on certain market segments as compared to the big name companies such as GEICO and State Farm.

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