When it comes to car insurance, the exact rates you pay depend on several factors. Where you live, your driver profile, your vehicle’s age, and policy deductibles and limits all contribute to your final premium.
You can find the cheapest Toyota Highlander car insurance by shopping around. Start with our free online quote tool.
The Highlander is one of the safest SUVs available on the market. It has a five-star rating from the National Highway Traffic Safety Administration and a Top Safety Pick+ designation from the Insurance Institute for Highway Safety.
The Toyota Highlander is a popular vehicle among families because it offers a variety of safety features. These features include automatic emergency braking, lane departure warning, and forward-collision warning with pedestrian detection capability. These features are standard on model years 2017 and up.
Depending on the trim level, Highlander models can also offer a rearview camera and parking sensors to assist with maneuvering in tight parking lots or other spaces. In addition, the new Limited Platinum trim level offers a surround-view camera system that displays a panoramic view of your surroundings.
In addition to its excellent safety ratings, the Highlander is a popular choice because it provides plenty of room for passengers and their belongings. It has a maximum capacity of eight, and the second-row seats slide and recline to add more space.
A LATCH child seat anchor is included on the SUV and a tether anchor is standard for the third-row bench. The LATCH system is rated good by the Insurance Institute for Highway Safety.
Other safety features include traction and stability control, antilock disc brakes, and airbags for the front seats, driver and passenger. The Driver Technology package (standard on the Limited Platinum) adds a blind-spot monitoring system with rear cross-traffic alert and Toyota's Safety Connect telematics.
Some Highlander trims offer a surround-view camera system, which helps you park your car in tight spaces and gives you a 360-degree view of your surroundings. A Perimeter Scan system is also available on the Limited Platinum and shows you a live video feed from your surround-view camera.
Lastly, the Highlander has automatic high beams that can be set to automatically turn off for oncoming vehicles. This feature is useful for people who drive in poorly lit areas, so it's worth considering.
The Toyota Highlander has a comprehensive warranty that covers all major parts for two years or 25,000 miles. It also includes eight years or 100,000 miles of coverage for its hybrid-component system. Its warranty is also backed by a service contract that guarantees the cost of repair or replacement.
The Toyota Highlander is an excellent choice for drivers looking for an SUV that offers good safety ratings and a comfortable ride. However, it can also be expensive to insure, with prices ranging from $1,412 for full coverage to $1,980 for liability-only insurance.
It's important to shop around for Toyota Highlander car insurance if you want to find the best rates. Different insurers look at a variety of factors when determining insurance premiums, so it's best to review quotes from multiple companies.
Among the variables that affect Toyota Highlander car insurance costs are vehicle age, driver age, state, and your driving record. Generally, younger drivers pay higher auto insurance rates than older drivers.
Younger drivers also tend to have more accidents, which will increase their insurance costs. This is because they're more likely to get into an accident and file claims.
Drivers who are convicted of traffic violations or DUIs may see their insurance rates rise significantly. This can add up to hundreds of dollars a year in additional expenses, depending on the severity of the violation.
As a result, it's important to keep your driving record clean to avoid higher insurance costs. Even minor moving violations can lead to a large rate hike, while DUIs can push your insurance rates up by $1,634.
In addition to being cautious behind the wheel, you can also lower your Toyota Highlander car insurance costs by choosing the right coverage options. These include bodily injury and property damage liability, uninsured motorist protection, medical payments coverage and collision coverage.
Another way to reduce your car insurance costs is by choosing a lower deductible. The more you save on your deductible, the lower your insurance policy will cost.
Lastly, you can also take advantage of discounts that can help you save money on your car insurance policy. These discounts may include safe drivers, multi-policy, student discounts, and homeowners (bundling) discounts.
The Toyota Highlander is a popular vehicle and many insurance companies offer Toyota Highlander car insurance to their customers. These insurers usually have a wide range of coverage options and offer discounts to those who meet certain qualifications.
A good car insurance company will help you find the right policy to meet your needs at a price that fits your budget. They will review your driving record, insurance history and credit score to determine your premiums. They may also offer you discounts if you bundle your insurance or get a discount for a clean driving record.
You will need to have adequate coverage for your Toyota Highlander, including liability, collision and comprehensive insurance. You can save money by lowering your deductible and adding anti-theft devices to your vehicle.
In addition, you should be aware that your Toyota Highlander's safety ratings can have an effect on the cost of your car insurance. The NHTSA gives vehicles a star rating to indicate how safe they are in a crash. In order to see the results of these tests, you can visit their website.
Another important factor that will affect your Toyota Highlander's car insurance rate is the age of your vehicle. Typically, older cars are cheaper to insure than newer ones because they are less valuable and depreciate faster.
To avoid being overcharged, shop around for Toyota Highlander car insurance quotes. You should compare insurance rates from at least three different companies, as each insurance company uses a unique formula to determine your premiums.
While you're at it, don't ignore small regional insurers either, as they can often offer lower rates than large companies. The key is to shop around at least every two years, so that you can ensure you're getting the best deal possible.
You will also need to make sure you're obeying the law at all times, as any minor or major violation can dramatically increase your rates. For instance, a traffic ticket can raise your rates by up to $462 per year while an accident could add up to $1,634 or more.
Lastly, be sure to keep your car insurance policy up-to-date and pay your bills on time. This is one of the most common mistakes drivers make, as they fail to keep their bills current and are at risk of being denied insurance if they haven't made payments.
If you own a Toyota Highlander, there are several ways to save on car insurance. These include being a good driver, maintaining a low credit score, and getting your vehicle insured with a company that offers multiple coverage options.
If your driving record is clean, you may qualify for a discount that will lower your rates by up to 40%. These discounts include good student, multi-policy, homeowner (bundling), and more.
The best way to find the lowest prices is to compare quotes from multiple insurers. This will allow you to find a policy that is tailored to your needs and your budget.
You can get multiple Toyota Highlander car insurance quotes from a variety of companies in just a few minutes. Just enter your ZIP code below to see what policies are available in your area.
When shopping for Toyota Highlander insurance, consider choosing a higher deductible. This will help you reduce your monthly costs but will also increase your out-of-pocket expenses should you file a claim.
It's a good idea to avoid increasing your deductible too much because it can cost you more money in the long run, especially if you have an accident or need to make a major repair.
Another discount that you can take advantage of is low mileage. This will help you lower your overall insurance costs, especially if your Toyota Highlander stays parked for most of the year.
Finally, be sure to check with your local insurance agent or an online insurer to determine if you qualify for any discounts that may be available to you. These could include low-mileage discounts, a paperless signup discount, and more.
Depending on your location, you may be able to save up to $800 a year by taking advantage of these savings. You should always compare quotes based on your specific location and risk profile, rather than relying on price averages.
Regardless of your age, there are many ways to save on Toyota Highlander car insurance. You can save by being a safe driver, taking a defensive driving course, and eliminating extra coverage from your policy.