Think you have high-priced Toyota Highlander insurance in Arlington? It’s a common feeling and many Arlington consumers are in the same pinch.
It’s safe to conclude that car insurance companies don’t want their customers to go rate shopping. People who shop around for cheaper prices are highly likely to switch to a new company because they stand a good chance of finding more affordable rates. Surprisingly, a recent survey revealed that drivers who regularly compared price quotes saved an average of $3,400 over four years compared to drivers who never shopped around for better prices.
If finding the best price on Toyota Highlander insurance is the reason for your visit, then learning about how to get rate quotes and compare insurance coverage can help make the process easier.
Lots of insurance companies contend for your hard-earned dollar, and because of this it can be hard to compare insurers and uncover the absolute best rate on Toyota Highlander insurance in Arlington.
How much does Toyota Highlander insurance in Arlington, Texas cost?
To get inexpensive Arlington auto insurance quotes, there a variety of ways to compare prices from many auto insurance companies in Texas. The fastest way to find cheaper Toyota Highlander rates is to use the internet to compare rates.
Comparing free rates online is easy and it, takes the place of having to drive around to and from local insurance agencies. Quoting and buying Toyota Highlander insurance online has reduced the need for local agents unless you want the professional abilities of an agent trained in personal lines coverage. It is possible with some companies find lower rates online but purchase the actual policy in an agency. Just keep in mind that making a lot of price comparisons helps you find a better price. Some insurance companies are not set up to provide online Arlington Highlander insurance quotes, so it’s important to compare price estimates on coverage from those companies, too.
The companies in the list below are our best choices to provide free rate quotes in Arlington, TX. If your goal is to find cheap car insurance in Arlington, we recommend you visit several of them in order to find the most affordable rates.
Save a ton by earning these nine discounts
Auto insurance is not inexpensive, but you might find some hidden discounts that could drop your premiums quite a bit. Certain discounts will be applied when you quote, but less common discounts must be requested specifically before they will apply.
- Student Discount for Driver Training – Require your teen driver to successfully complete driver’s ed class if offered at their school.
- Discounts for Government Workers – Simply working for the federal government could qualify for a slight premium decrease depending on your company.
- New Vehicle Savings – Buying a new car instead of a used Highlander may earn a small discount since newer vehicles are generally safer.
- Own a Home – Simply owning a home can save you money because owning a home shows financial diligence.
- 55 and Retired – If you qualify as a senior citizen, you may be able to get a small decrease in premiums.
- Paperwork-free – Many auto insurance companies may give you up to $50 for buying a policy and signing up on the internet.
- Defensive Driver Discounts – Taking time to complete a defensive driver class is a good idea and can lower rates if you qualify.
- Data Collection Discounts – Insureds who allow driving data submission to look at driving patterns by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates as long as the data is positive.
- Anti-theft Discount – Cars and trucks equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10% off your Arlington auto insurance quote.
One thing to note about discounts is that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, you won’t be that lucky.
The example below shows the difference between Toyota Highlander insurance rates with and without policy discounts. The price estimates are based on a male driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, homeowner, marriage, multi-policy, and claim-free discounts applied.
A few popular companies and some of the discounts are shown below.
- Progressive has savings for homeowner, multi-vehicle, good student, continuous coverage, online signing, and multi-policy.
- GEICO may have discounts that include driver training, emergency military deployment, good student, anti-theft, and defensive driver.
- State Farm offers premium reductions for defensive driving training, Steer Clear safe driver discount, passive restraint, accident-free, good driver, multiple policy, and safe vehicle.
- Esurance has discounts for emergency road assistance, DriveSense, good student, anti-lock brakes, and online shopper.
- The Hartford offers discounts including vehicle fuel type, driver training, anti-theft, bundle, defensive driver, air bag, and good student.
Double check with each insurance company what discounts are available to you. Depending on the company, some discounts may not apply to policies everywhere.
Premium rates and analysis
The premium information displayed below showcases different insurance premium costs for Toyota Highlander models. Having a better idea how insurance policy rates are determined can assist in making smart choices when comparing insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Highlander Sport 4WD||$322||$486||$388||$24||$116||$1,336||$111|
|Highlander SE 2WD||$322||$486||$388||$24||$116||$1,336||$111|
|Highlander Sport 2WD||$322||$486||$388||$24||$116||$1,336||$111|
|Highlander Limited 2WD||$360||$572||$388||$24||$116||$1,460||$122|
|Highlander SE 4WD||$360||$572||$388||$24||$116||$1,460||$122|
|Highlander Limited 4WD||$360||$572||$388||$24||$116||$1,460||$122|
|Highlander Hybrid 4WD||$360||$572||$388||$24||$116||$1,460||$122|
|Highlander Hybrid Limited 4WD||$360||$572||$388||$24||$116||$1,460||$122|
|Get Your Own Custom Quote Go|
Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Table data does not factor in specific location which can decrease or increase prices noticeably.
The example below shows how different deductible levels and can impact Toyota Highlander insurance rates for different age groups. The price estimates are based on a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.
Premiums by gender and age
The chart below illustrates the difference between Toyota Highlander car insurance rates for male and female drivers. The premiums assume no accidents, no driving violations, full physical damage coverage, $100 deductibles, single status, and no discounts are applied.
Full coverage or liability only
The example below illustrates the difference between Toyota Highlander insurance premiums with full physical damage coverage compared to only buying liability only. The rate quotes are based on no tickets, no at-fault accidents, $100 deductibles, drivers are single, and no other discounts are factored in.
When to stop paying for full coverage
There is no exact formula to eliminate full coverage, but there is a general guideline you can use. If the yearly cost of full coverage is more than around 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.
For example, let’s pretend your Toyota Highlander settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $4,000 after paying the physical damage deductible. If it’s costing you more than $400 a year for full coverage, then you may want to consider only buying liability coverage.
There are some cases where buying only liability insurance is not a good plan. If you still have a loan on your vehicle, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not buy liability only.