How to Compare Mesa Toyota Highlander Insurance

Insurance for Toyota HighlanderIt’s a known fact that car insurance companies don’t want you to look at other companies. Consumers who shop around for cheaper price quotes are likely to switch companies because there is a good probability of finding a lower-priced policy. A recent insurance study revealed that consumers who regularly compared rates saved $3,450 over four years as compared to drivers who never compared rates.

If finding the best price on car insurance is your goal, then having an understanding of how to get rate quotes and compare cheaper coverage can help simplify the process.

Really, the only way to get low-cost Toyota Highlander insurance is to regularly compare prices from companies that insure vehicles in Mesa.

First, get an understanding of how your policy works and the steps you can take to drop your rates. Many things that are responsible for high rates like at-fault accidents, careless driving, and a less-than-favorable credit score can be amended by making minor changes in your lifestyle.

Second, get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from one company like GEICO or Allstate, while independent agents can provide price quotes from multiple insurance companies. Find a Mesa insurance agent

Third, compare the new rate quotes to your current policy and see if you can save money. If you find a lower rate and buy the policy, verify that coverage does not lapse between policies.

Fourth, provide adequate notice to your current company of your intent to cancel the current policy and submit a down payment along with a completed application to your new carrier. As soon as you can, store the certificate verifying coverage in your vehicle’s glove compartment or console.

One important bit of advice is to try to use identical limits and deductibles on each price quote and and to look at as many carriers as you can. This enables a level playing field and plenty of rates choose from.

Finding affordable coverage in Mesa is quite easy. Virtually anyone who shops for auto insurance will more than likely get a lower-priced policy. But Arizona drivers do need to understand the way insurance companies determine what you pay because it varies considerably.

Finding Toyota Highlander insurance in Mesa, Arizona

Most major insurance companies make it easy to get coverage prices directly from their websites. Comparing prices online for Toyota Highlander insurance in Mesa is possible for anyone as all you need to do is type in your required coverages into a form. After you complete the form, their system will obtain your driving and credit reports and generates a price based on the information you submitted.

Getting online quotes for Toyota Highlander insurance in Mesa makes it a lot easier to compare rates and it’s absolutely necessary to compare as many rates as possible if you want to find the most affordable auto insurance rates.

To quickly compare pricing, visit the companies below or click here to submit a quote request to multiple companies at once. If you currently have coverage, we recommend you replicate the coverages just like they are on your policy. This helps ensure you are getting rate comparison quotes for the exact same coverage.

The car insurance companies shown below provide quotes in Mesa, AZ. To buy the best cheap car insurance in AZ, we suggest you get price quotes from several of them in order to find the most competitive rates.

Cheap Mesa insurance rates with discounts

Some providers do not advertise all available discounts in an easy-to-find place, so the list below gives a summary of both well-publicized in addition to some of the lesser obvious credits that may apply to you.Cheaper insurance with discounts

A quick disclaimer, most discounts do not apply to all coverage premiums. A few only apply to specific coverage prices like comp or med pay. So despite the fact that it appears having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

The chart below visualizes the comparison of Toyota Highlander insurance costs with and without discounts applied to the policy premium. The information is based on a female driver, no claims, a clean driving record, Arizona state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, multi-policy, homeowner, marriage, and claim-free discounts applied.

Companies and some of the premium reductions they offer can be read below.

Double check with all companies you are considering which credits you are entitled to. All car insurance discounts might not be offered on policies in your state. To see insurers with discount rates in Mesa, follow this link.

Insurance rate breakdown

The data table below outlines detailed analysis of insurance costs for Toyota Highlander models. Having a better idea how prices are formulated can be valuable when making decisions on which coverage to buy.

Toyota Highlander Insurance Rates in Mesa, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $112 $172 $288 $18 $86 $676 $56
Highlander 4WD $126 $208 $288 $18 $86 $726 $61
Highlander Sport 4WD $126 $208 $288 $18 $86 $726 $61
Highlander SE 2WD $126 $208 $288 $18 $86 $726 $61
Highlander Sport 2WD $126 $208 $288 $18 $86 $726 $61
Highlander Limited 2WD $140 $246 $288 $18 $86 $778 $65
Highlander SE 4WD $140 $246 $288 $18 $86 $778 $65
Highlander Limited 4WD $140 $246 $288 $18 $86 $778 $65
Highlander Hybrid 4WD $140 $246 $288 $18 $86 $778 $65
Highlander Hybrid Limited 4WD $140 $246 $288 $18 $86 $778 $65
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Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Price information does not factor in specific garaging location which can modify auto insurance rates considerably.

Choosing deductibles

The hardest decision when buying coverage is at what level do you set your deductibles. The comparison tables below can help illustrate the rate fluctuation when you choose different comp and collision deductibles. The first set of prices uses a $100 deductible for comp and collision and the second pricing table uses a $500 deductible.

Toyota Highlander insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $258 $382 $300 $18 $90 $1,073 $89
Highlander 4WD $292 $466 $300 $18 $90 $1,191 $99
Highlander Sport 4WD $292 $466 $300 $18 $90 $1,191 $99
Highlander SE 2WD $292 $466 $300 $18 $90 $1,191 $99
Highlander Sport 2WD $292 $466 $300 $18 $90 $1,191 $99
Highlander Limited 2WD $324 $548 $300 $18 $90 $1,305 $109
Highlander SE 4WD $324 $548 $300 $18 $90 $1,305 $109
Highlander Limited 4WD $324 $548 $300 $18 $90 $1,305 $109
Highlander Hybrid 4WD $324 $548 $300 $18 $90 $1,305 $109
Highlander Hybrid Limited 4WD $324 $548 $300 $18 $90 $1,305 $109
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Toyota Highlander insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $188 $258 $300 $18 $90 $854 $71
Highlander 4WD $212 $314 $300 $18 $90 $934 $78
Highlander Sport 4WD $212 $314 $300 $18 $90 $934 $78
Highlander SE 2WD $212 $314 $300 $18 $90 $934 $78
Highlander Sport 2WD $212 $314 $300 $18 $90 $934 $78
Highlander Limited 2WD $236 $370 $300 $18 $90 $1,014 $85
Highlander SE 4WD $236 $370 $300 $18 $90 $1,014 $85
Highlander Limited 4WD $236 $370 $300 $18 $90 $1,014 $85
Highlander Hybrid 4WD $236 $370 $300 $18 $90 $1,014 $85
Highlander Hybrid Limited 4WD $236 $370 $300 $18 $90 $1,014 $85
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Premium amounts do not factor in zip code location which can impact prices substantially.

We can estimate from the data above that using a $100 deductible will cost in the ballpark of $22 more each month or $264 each year averaged for all Highlander models than buying the higher $500 deductible. Due to the fact that you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you normally average more than 18 months between claims, you would come out ahead going with the higher deductible.

The example below demonstrates how deductible levels and can change Toyota Highlander insurance rates for each age group. The prices are based on a single male driver, full coverage, and no discounts are applied to the premium.

Toyota Highlander liability rates compared to full coverage

The example below illustrates the difference between Toyota Highlander auto insurance rates with and without full coverage. The costs are based on no driving violations, no at-fault accidents, $500 deductibles, marital status is single, and no other discounts are factored in.

When to eliminate full coverage

There is no set rule for excluding comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is more than about 10% of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.

For example, let’s assume your Toyota Highlander replacement cost is $6,000 and you have $1,000 deductibles. If your vehicle is severely damaged, you would only receive $5,000 after paying the physical damage deductible. If it’s costing you more than $500 a year for physical damage coverage, then you may want to consider only buying liability coverage.

There are some situations where only buying liability is not a good idea. If you still have a loan on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not eliminate full coverage.

Auto insurance agents are trained to help

Some people still like to go talk to an agent and doing so can bring peace of mind A nice benefit of price shopping on the web is the fact that drivers can get the lowest rates and still buy from a local agent. Buying from and supporting neighborhood agents is especially important in Mesa.

Insurance agency in MesaFor easy comparison, once you complete this short form, your insurance coverage information gets sent to companies in Mesa who will give you quotes for your coverage. You don’t have to find an agent as quotes are delivered to your email. You can find better rates and a licensed agent to work with. If for some reason you want to compare rates from a specific auto insurance provider, you just need to find their quoting web page and complete a quote there.

If you want to buy auto insurance from a reliable insurance agency, it can be helpful to understand the different types of agencies and how they can write your policy. Agencies in Mesa are categorized either independent or exclusive depending on the company they work for.

Independent Auto Insurance Agents (or Brokers)

Agents that choose to be independent can quote rates with many companies so they can write business through lots of different companies enabling the ability to shop coverage around. If prices rise, they can switch companies in-house and you don’t have to do anything. When shopping rates, it’s recommended you get insurance quotes from multiple independent agents to have the best price comparison. Most have the option of insuring with companies you’ve never heard of that may provide cheaper auto insurance rates.

The following is a partial list of independent insurance agencies in Mesa that may be able to give you price quotes.

More insurance agents

Exclusive Agencies

Exclusive agencies normally can only provide a single company’s rates like Farmers Insurance and State Farm. They generally cannot provide other company’s prices so you might not find the best rates. Exclusive agencies are usually quite knowledgeable on their company’s products which helps offset the inability to provide other markets. Consumers often buy from exclusive agents mostly because of the prominence of the brand rather than having low rates.

Shown below are exclusive agencies in Mesa who can help you get rate quotes.

More insurance agents

Deciding on an insurance agency should include more criteria than just a low price. Get answers to these questions too.

Which is the best auto insurance?

Keep in mind that when it comes to choosing coverage online or from an agent for your vehicles, there really isn’t a “perfect” insurance plan. Your situation is unique and a cookie cutter policy won’t apply.Drive safe and save
Here are some questions about coverages that might point out if you would benefit from an agent’s advice.

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area.

Buying the right Toyota Highlander insurance in Arizona is an important decision

Despite the high cost, auto insurance may be required for several reasons.

The benefits of buying auto insurance definitely exceed the cost, especially for larger claims. According to a recent study, the average American driver overpays as much as $830 a year so it’s recommended you shop around each time the policy renews to ensure rates are competitive.

The coverage is in the details

Knowing the specifics of your policy can help you determine the best coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages available from auto insurance companies.

Coverage for liability

Liability insurance protects you from injuries or damage you cause to other’s property or people in an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 15/30/10 which means a limit of $15,000 per injured person, a per accident bodily injury limit of $30,000, and a total limit of $10,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like bail bonds, court costs, attorney fees, repair costs for stationary objects and structural damage. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford. Arizona requires drivers to carry at least 15/30/10 but it’s recommended drivers buy better liability coverage.

The next chart shows why buying the state minimum limits may not be high enough to adequately cover claims.

Collision protection

Collision coverage covers damage to your Highlander caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as sideswiping another vehicle, damaging your car on a curb, rolling your car, crashing into a building and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible on your Highlander to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many Arizona drivers only carry the minimum required liability limits (15/30/10 in Arizona), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits are set the same as your liability limits.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for immediate expenses for dental work, X-ray expenses, chiropractic care and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive auto insurance

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from getting keyed, fire damage, vandalism and damage from flooding. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Mesa auto insurance company ratings

Finding the best auto insurance provider can be a challenge considering how many different companies insure vehicles in Mesa. The company ratings below may help you pick which auto insurers you want to consider comparing price quotes from.

Top 10 Mesa Car Insurance Companies Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. Titan Insurance
  5. The General
  6. Mercury Insurance
  7. AAA Insurance
  8. State Farm
  9. Nationwide
  10. Safeco

You can lower your insurance rates

Lower-priced Toyota Highlander insurance in Mesa can be found from both online companies as well as from independent agents in Mesa, and you should be comparing both in order to have the best price selection to choose from. Some companies may not have price quotes online and most of the time these regional insurance providers only sell coverage through independent agents.

When trying to cut insurance costs, you should never sacrifice coverage to reduce premiums. There have been many situations where an insured dropped uninsured motorist or liability limits only to find out that their decision to reduce coverage ended up costing them more. The proper strategy is to buy the best coverage you can find at an affordable rate while still protecting your assets.

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