Toyota Highlander Insurance Rates in Seattle

Finding better insurance prices for your Toyota Highlander in Washington can normally be difficult, but you can follow the following methods to save time.

There is a right way and a wrong way to find insurance online and we’ll show you the quickest way to get price quotes on a Toyota and find the lowest possible price.

Do you qualify for these five discounts?

Insuring your fleet can be pricey, but there may be some discounts that can help lower your rates. Certain credits will be shown at the time of purchase, but some must be asked about prior to getting the savings. If you check and find you aren’t receiving every discount you deserve, you are not getting the best rate possible.

• ABS and Traction Control Discounts – Cars with ABS and/or traction control are safer to drive and will save you 10% or more on Highlander insurance in Seattle.
• Claim Free – Insureds who avoid accidents and claims get the best insurance rates as compared to insureds who have frequent claims or accidents.
• Discount for Good Grades – Getting good grades can save 20 to 25%. This discount can apply until age 25.
• Senior Discount – Older drivers are able to get a discount up to 10%.
• Military Discounts – Having a deployed family member may lower your insurance rates slightly.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Despite the fact that it seems like having all the discounts means you get insurance for free, companies don’t profit that way. Any amount of discount will lower your policy cost.

Insurance companies who may offer these benefits may include but are not limited to:

• State Farm
• Farmers Insurance
• GEICO
• American Family
• Nationwide
• Progressive

When getting a coverage quote, ask every prospective company to give you their best rates. Depending on the company, some discounts may not apply to policies in Seattle. To see a list of companies with discount rates in Seattle, click this link.

The quickest method we recommend to compare rates for Toyota Highlander insurance in Seattle is to know the fact all the major auto insurance companies actually pay money for the chance to provide you with free rate quotes. All consumers are required to do is provide a small amount of information such as any included safety features, if the car is leased, whether you have decent credit, and how many miles driven. The rating information is then submitted to multiple top-rated companies and they respond with quotes quickly.

If you wish to get multiple quotes for your Toyota Highlander now, click here and complete the quick form.

The car insurance companies shown below have been selected to offer price quotes in Seattle, WA. If more than one company is shown, it’s highly recommended you compare several of them to find the cheapest car insurance rates.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Price estimates do not factor in your specific Seattle location which can impact premium rates noticeably.

Where to set your deductibles

One frequently asked question is how high should the deductibles for physical damage be. The comparison tables below lay out how much more rates are of buying low and high policy deductibles. The first data set uses a $100 physical damage coverage deductible and the second set of prices uses a $500 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rate quotes do not factor in specific location which can decrease or increase premiums noticeably.

Based on the data above, we can derive that using a $100 deductible will cost in the ballpark of $22 more each month or $264 annually than selecting the higher $500 deductible. Because you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you normally average at a minimum 18 months between claims, you would probably save some money if you choose a higher deductible.

An important thing to remember is that raising deductibles results in having to pay to pay more out-of-pocket when you do file a claim. That will require some extra savings in the event you have to pay more to get your vehicle repaired.

Car insurance is available from your local insurance agencies

Many drivers prefer to sit down with an agent and that can be a smart move Experienced insurance agents can help you choose the best coverages and will help you if you have claims. A nice benefit of comparing rate quotes online is that drivers can save money and get lower prices and still have a local agent. Putting coverage with local insurance agencies is still important in Seattle.

To find an agent, once you fill out this quick form, your insurance coverage information gets sent to local insurance agents who will gladly provide quotes for your coverage. You won’t even need to drive around since rate quotes are delivered to you instantly. If you need to compare prices from a specific car insurance provider, feel free to go to their quote page and submit a quote form there.

Picking the best insurer needs to be determined by more than just a low price. These are some valid questions you should ask.

• Does the agency have a positive business rating?
• Can you use your own choice of collision repair facility?
• Does the agent have professional designations like CIC, CPCU or AIC?
• What company holds the largest book of business for them?
• What are their preferred companies if they are an independent agency?

Insurance coverage basics

Having a good grasp of your insurance policy aids in choosing appropriate coverage for your vehicles. Insurance terms can be confusing and coverage can change by endorsement.

Liability – Liability insurance protects you from damage or injury you incur to people or other property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/10 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $10,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things such as repair costs for stationary objects, pain and suffering, repair bills for other people’s vehicles and medical services. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford. Washington requires drivers to carry at least 25/50/10 but you should consider buying better liability coverage.

Comprehensive auto coverage – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like fire damage, damage from flooding, damage from getting keyed and rock chips in glass. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage – This coverage pays for damage to your Highlander resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as sustaining damage from a pot hole, hitting a mailbox, hitting a parking meter, crashing into a ditch and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible on your Highlander to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Toyota Highlander.

Since many Washington drivers carry very low liability coverage limits (25/50/10), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like surgery, EMT expenses, X-ray expenses, dental work and funeral costs. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

More comparisons equals cheaper rates

People change insurance companies for a variety of reasons including questionable increases in premium, policy cancellation, denial of a claim and poor customer service. It doesn’t matter why you want to switch choosing a new insurance company is not as difficult as it may seem.

We just showed you many tips how you can shop for Toyota Highlander insurance online. The most important thing to understand is the more companies you get prices for, the more likely it is that you will get a better rate. You may even discover the lowest premium rates are with some of the lesser-known companies.

Lower-priced Toyota Highlander insurance in Seattle can be bought online as well as from insurance agents, so you need to quote Seattle auto insurance with both to get a complete price analysis. A few companies don’t offer rates over the internet and most of the time these regional carriers only sell coverage through independent insurance agencies.

Even more information is located at these sites:

• How Can I Save Money on Auto Insurance? (Insurance Information Institute)
• How Much are Auto Insurance Quotes for a Hyundai Elantra in Seattle? (FAQ)
• Who Has Cheap Seattle Auto Insurance for a Honda Civic? (FAQ)
• Who Has the Cheapest Seattle Car Insurance for a School Permit? (FAQ)
• Safety Features for Your New Car (State Farm)
• Car Insurance FAQ (Trusted Choice)
• Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
• Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)