Lower Your 2019 Toyota Highlander Hybrid Car Insurance Cost 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: May 27, 2024

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Did a good deal turn out to be an overpriced insurance policy? You’re in good company because many consumers are feeling buyer’s remorse and feel like there’s no way out. Popular companies such as Allstate, Liberty Mutual and State Farm continually bombard you with ad campaigns and it is difficult to see through the cute green geckos and mayhem and take the time to shop coverage around.

You need to compare rates as often as possible due to the fact that insurance rates tend to go up over time. Despite the fact that you may have had the lowest rate on Highlander Hybrid coverage six months ago other companies may now be cheaper. Block out anything you think you know about insurance because you’re going to learn the best methods to properly buy coverages and cut your premium.

Compare auto insurance price quotes online

Most companies like Progressive, Allstate and GEICO allow you to get insurance quotes online. Getting prices online is possible for anyone as you just enter your required coverages into the form. After you complete the form, their system collects your driving and credit reports and returns a price quote based on the information you submitted. Being able to quote online makes comparing rates easy, but having to visit several different sites and type in the same information can get tiresome after awhile. But it’s necessary to compare as many rates as possible in order to get the lowest auto insurance rates.

A better way to compare rates makes use of a single form to obtain quotes from several companies at one time. This type of form saves time, requires less work, and makes online quotes a little more enjoyable. After your information is entered, it gets priced and you can choose any of the price quotes you receive.

If you find a better price you can click and sign and purchase coverage. The entire process takes just a few minutes to complete and you’ll know if lower rates are available.

To compare rates now, simply enter your zip code here and complete the simple form. If you have your current policy handy, we recommend you input the limits and deductibles as close as possible to your current policy. Using the same limits helps guarantee you’re receiving a price comparison using the same coverage and limits.

Save $420 a year? Really?

Consumers can’t avoid all the ads that promise big savings for switching from companies such as Progressive, Allstate and GEICO. They all state the claim of big savings if you move your auto insurance policy to them.

Is it even possible that every company can charge less that you’re paying now? Here is how they do it.

Auto insurance companies give the best rates for the type of customer that earns them a profit. For instance, this type of driver should be over the age of 35, carries high limits, and insures a new vehicle. Any person that matches those criteria receive the lowest rate quotes and will probably cut their rates substantially.

Potential customers who do not meet the requirements will be quoted more expensive rates and this results in the driver buying from a lower-cost company. If you listen closely, the ads state “customers who switch” not “everybody who quotes” will save that much if they switch. That is how companies can truthfully advertise the savings.

This really emphasizes why it is so important to get a wide range of price quotes. Because without a comparison, you cannot know which insurance companies will have the lowest premium rates for your situation.

How your Highlander Hybrid insurance rates are determined

Many different elements are part of the equation when you get your auto insurance bill. Some of the criteria are obvious like a motor vehicle report, but others are less apparent like your continuous coverage or how safe your car is. Smart consumers have a good feel for a few of the rating criteria that go into determining your car insurance rates. If you have some idea of what determines premiums, this allows you to make good choices that could result in lower car insurance prices.

The items below are some of the things used by insurance companies to determine your rates.

  • Safer the car lower the rate – Vehicles that have high safety ratings tend to have better insurance rates. Safer cars reduce occupant injuries and fewer serious injuries translates directly to fewer claims and cheaper rates on your policy. If your Toyota scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Don’t cut corners with liability coverage – Your policy’s liability coverage kicks in if you are found liable for personal injury or accident damage. Your liability coverage provides for a legal defense which can cost a lot. Liability insurance is quite affordable compared to comp and collision, so do not cut corners here.
  • Teen drivers are expensive to insure – Older, more experienced drivers are proven to be safer behind the wheel, cause fewer claims and accidents and tend to be get fewer driving tickets. Drivers with little experience tend to be less responsible when at the wheel of a vehicle and because of this, their car insurance rates are much higher.
  • Long commutes cost more – The more you drive every year the higher your rate. Most insurance companies calculate rates based upon how much you drive. Autos that are left in the garage cost less to insure than those used for commuting. Having the wrong rating on your Highlander Hybrid is throwing money out the window. Make sure your declarations sheet is showing how each vehicle is driven, because improper ratings can cost you money.
  • Gaps in coverage mean higher car insurance rates – Allowing your coverage to lapse will be a quick way to pay more for car insurance. Not only will rates go up, being ticketed for driving with no insurance could result in a hefty fine and possibly a revoked license.
  • Careless drivers pay higher premiums – Being a careful driver has a huge affect on how much you pay. Drivers who don’t get tickets get better prices compared to drivers with tickets. Having a single ticket could increase your next policy renewal substantially. Drivers who have received severe violations such as DWI, reckless driving or hit and run convictions may face state-mandated requirements to complete a SR-22 with their state in order to legally drive a vehicle.

Car insurance policy discounts

Car insurance is not cheap nor is it fun to buy but companies offer discounts that can help lower your rates. Many discounts should be triggered when you purchase, but once in a while a discount must be specially asked for in order for you to get them.

  • Service Members Pay Less – Being deployed in the military could be rewarded with lower car insurance rates.
  • Drive Safe and Save – Safe drivers may save up to 50% more on Highlander Hybrid coverage than their less cautious counterparts.
  • Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class as it can save substantially.
  • Pay Early and Save – By paying your entire bill at once rather than paying in monthly installments you can actually save on your bill.
  • Own a Home – Simply owning a home can get you a discount because owning a home is proof of financial responsibility.
  • Organization Discounts – Belonging to a civic or occupational organization could trigger savings on your bill.

We need to note that some of the credits will not apply to your bottom line cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

Car insurance companies that may offer policyholders these discounts possibly include:

  • State Farm
  • Esurance
  • Progressive
  • Liberty Mutual
  • Auto-Owners Insurance

Before buying, ask all companies you are considering how you can save money. All car insurance discounts might not apply in your state. If you would like to choose from a list of providers that offer multiple discounts, enter your zip code here.

How do I know if I need professional advice?

When it comes to buying the best insurance coverage, there is no perfect coverage plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions might point out whether you could use an agent’s help.

  • Which companies will insure high-risk drivers?
  • Do I need medical payments coverage since I have good health insurance?
  • What are the financial responsibility laws in my state?
  • What if I don’t agree with a claim settlement offer?
  • Does my policy cover my teen driver if they drive my company car?
  • Who is covered when they drive my 2019 Toyota Highlander Hybrid?
  • Should I buy full coverage?
  • Do I pay less if my vehicle is kept in my garage?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out your zip code. It is quick, free and may give you better protection.

Insurance coverage considerations

Knowing the specifics of insurance can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement. These are the normal coverages found on the average insurance policy.

Collision protection

Collision insurance will pay to fix damage to your Highlander Hybrid resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a parking meter, damaging your car on a curb, colliding with a tree, rolling your car and backing into a parked car. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability coverages

Liability insurance protects you from damages or injuries you inflict on people or other property. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things such as structural damage, medical services and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, fire damage and damage from flooding. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for immediate expenses for things like funeral costs, dental work, doctor visits, pain medications and hospital visits. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Be Smart and Buy Smart

As you prepare to switch companies, don’t be tempted to skimp on critical coverages to save a buck or two. There are too many instances where an accident victim reduced collision coverage only to regret that it was a big error on their part. Your goal should be to buy the best coverage you can find for the lowest cost, not the least amount of coverage.

Budget-friendly car insurance is definitely available from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some car insurance companies do not offer online price quotes and these smaller companies provide coverage only through independent agencies.

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