Finding the cheapest coverage for a Toyota Highlander in Arizona is dependent upon a large number of rating criteria such as how far you commute, whether or not you garage your vehicle, and if you have a history of accidents. Drivers in Arizona will pay on average $1,241 a year for Highlander insurance, but that amount is an estimation using a 40-year-old single male driver with full physical damage coverage and $100 deductibles.
Most likely you aren’t exactly 40 years old or even a male, possibly married instead of single, or maybe you prefer liability limits higher than required by Arizona state law. Auto insurance is unique to each driver, so the only real way to find the cheapest coverage for your Toyota is to do a thorough rate comparison. Quotes only take a couple of minutes and you will be able to see rates from some of the cheapest companies that sell coverage in Arizona.
The specific trim level has an effect on the coverage cost, so the rate you will pay to insure a Highlander 2WD trim level will be $258 cheaper than the price to insure the high end Highlander Hybrid Limited 4WD trim level, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Highlander Sport 4WD||$286||$536||$362||$22||$108||$1,314||$110|
|Highlander SE 2WD||$286||$536||$362||$22||$108||$1,314||$110|
|Highlander Sport 2WD||$286||$536||$362||$22||$108||$1,314||$110|
|Highlander Limited 2WD||$318||$632||$362||$22||$108||$1,442||$120|
|Highlander SE 4WD||$318||$632||$362||$22||$108||$1,442||$120|
|Highlander Limited 4WD||$318||$632||$362||$22||$108||$1,442||$120|
|Highlander Hybrid 4WD||$318||$632||$362||$22||$108||$1,442||$120|
|Highlander Hybrid Limited 4WD||$318||$632||$362||$22||$108||$1,442||$120|
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Price estimates do not factor in specific garaging location which can lower or raise price quotes greatly.
Ratings for Chandler car insurance companies
Choosing a good quality company can be a challenge considering how many different companies there are to choose from in Chandler. The information displayed below could help you pick which car insurance companies you want to consider comparing rates from.
The rankings below include companies that insure vehicles nationwide, so companies with more of a regional focus will not be included in the list. If you’d like to compare prices and find the cheapest rates for a Toyota Highlander, click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
The illustration below shows how choosing a deductible can raise or lower insurance costs when trying to find cheap insurance for a Toyota Highlander. The premiums assume a married male driver, full coverage, and no policy discounts are applied.
The data above shows that a 40-year-old driver could cut expenses by $258 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $394 by choosing a $1,000 deductible. Even younger insureds, like the 20-year-old category, could save $856 every year by choosing a larger deductible amount. When increasing deductibles, it will be necessary to have enough savings set aside to enable you to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Rate comparison of full coverage and liability-only
Reducing premiums for car insurance is probably important to most vehicle owners, and a good way to pay less for insurance for a Toyota Highlander is to only buy liability insurance. The diagram below visualizes the comparison of car insurance costs with and without physical damage coverage. Data assumes no accidents, no driving violations, $500 deductibles, drivers are not married, and no discounts are taken into consideration.
Averaged out for all age groups, comprehensive and collision coverage on your policy costs an extra $1,706 per year more than carrying just liability coverage. At some point, about every driver wonders if you should buy full coverage at all. There is no definitive formula of when to phase out physical damage coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.
How to find more affordable insurance for a Toyota Highlander
The list below summarizes a few money-saving ideas that can help Arizona drivers buy low-cost car insurance.
- Maintaining good credit helps earn cheaper rates
- Do not insure for full coverage
- Drive vehicles with five-star safety ratings
- Higher comprehensive and collision coverage deductibles will save money
- Prevent price hikes by avoiding at-fault accidents
- Avoid getting citations and tickets
- Compare rates once a year for cheaper prices
The last idea is notably necessary, as we hit on in this write-up. Insurance rates can be adjusted at any time, so drivers shouldn’t hesitate to change to a new company if a lower price can be found. Brand loyalty is great, but it isn’t a good idea if that dedication is costing money that could be going to better use. In just a few minutes you could shop around to find cheaper auto insurance for a Toyota Highlander in Chandler.
The agents shown below can most likely aid you in deciding which auto insurance coverages would be the best in your situation, since lots of people like to have professional advice when trying to find the best insurance rates for a Highlander. It can be challenging to find the best coverage yourself, so getting advice from a licensed Arizona insurance agent can bring satisfaction knowing your coverage gives you enough coverage if you have a claim.
To locate a Chandler auto insurance agent by location nearest to you, click the button following the list.
- Farmers Insurance – Rick Downing
930 East Riggs Road Ste B7 – Chandler, AZ 85249 – (480) 961-3951
- State Farm: Debbie Wiltse
4980 S Alma School Rd #A6 – Chandler, AZ 85248 – (480) 792-9468
- Scott Thomas – State Farm Insurance Agent
950 E Pecos Rd #2 – Chandler, AZ 85225 – (480) 782-0100
- Breinholt Insurance Group, LLC
1600 W Chandler Blvd #150 – Chandler, AZ 85224 – (480) 237-2050
- Nationwide – Daniel McLean Kendree AGENCY
1005 S Arizona Ave – Chandler, AZ 85286 – (480) 857-0056