Compare Toyota Highlander Insurance Rates in San Jose

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Discount Toyota Highlander insuranceHow many times have you put off comparing quotes for lower-priced Toyota Highlander insurance in San Jose? I really doubt anyone looks forward to buying auto insurance, particularly when the cost is way too high.

It's well known that insurance companies don't want policyholders to compare prices from other companies. Insureds who compare rates once a year are inclined to buy a new policy because there is a great chance of finding a lower-priced company. Remarkably, a study showed that consumers who shopped around saved over $3,450 over four years as compared to drivers who don't make a habit of comparing rates.

If finding the cheapest price for car insurance in San Jose is the reason you're here, then having a good understanding how to shop for car insurance can save money and time.

Steps to finding lower priced Toyota Highlander insurance in San Jose

If you want to save money, the best way to get the cheapest auto insurance rates in San Jose is to begin comparing prices regularly from insurers who sell insurance in California. You can shop around by following these guidelines.

  1. Try to understand what is in your policy and the measures you can control to keep rates in check. Many policy risk factors that drive up the price such as accidents, traffic violations, and a negative credit rating can be eliminated by making minor changes in your lifestyle. Read the full article for more details to get lower rates and find possible discounts that are available.
  2. Request price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from one company like GEICO and Allstate, while agents who are independent can quote rates for a wide range of insurance providers.
  3. Compare the price quotes to your current policy premium and determine if there is any savings. If you can save money, ensure coverage does not lapse between policies.

The key aspect of shopping around is to compare the same level of coverage on every price quote and to quote with as many auto insurance providers as possible. This guarantees a level playing field and the best price quote selection.

Many insurance companies compete to insure your vehicles, and because of this it can be hard to compare car insurance companies to find the lowest price on Toyota Highlander insurance in San Jose.

If you have insurance now or are looking for a new policy, you will benefit by learning to cut your premiums without reducing coverage. Locating the best rates in San Jose is quite easy if you know the best way to do it. Drivers just need to know the tricks to compare prices from many companies at once.

Rates and detailed analysis

The premium information displayed below highlights estimates of insurance coverage prices for Toyota Highlander models. Being aware of how car insurance prices are figured is important for drivers to make smart choices when selecting a coverage provider.

Toyota Highlander Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $434 $564 $578 $34 $174 $1,784 $149
Highlander 4WD $490 $686 $578 $34 $174 $1,962 $164
Highlander Sport 4WD $490 $686 $578 $34 $174 $1,962 $164
Highlander SE 2WD $490 $686 $578 $34 $174 $1,962 $164
Highlander Sport 2WD $490 $686 $578 $34 $174 $1,962 $164
Highlander Limited 2WD $546 $810 $578 $34 $174 $2,142 $179
Highlander SE 4WD $546 $810 $578 $34 $174 $2,142 $179
Highlander Limited 4WD $546 $810 $578 $34 $174 $2,142 $179
Highlander Hybrid 4WD $546 $810 $578 $34 $174 $2,142 $179
Highlander Hybrid Limited 4WD $546 $810 $578 $34 $174 $2,142 $179
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Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Estimates do not factor in specific location which can decrease or increase rates noticeably.

Comparison of policy deductibles

A question often asked by San Jose drivers is how high should your deductibles be. The comparisons below show the premium difference of buying low and high physical damage coverage deductibles. The first set of rates uses a $250 deductible and the second data table uses a $1,000 deductible.

Toyota Highlander insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $342 $472 $442 $26 $132 $1,439 $120
Highlander 4WD $386 $576 $442 $26 $132 $1,587 $132
Highlander Sport 4WD $386 $576 $442 $26 $132 $1,587 $132
Highlander SE 2WD $386 $576 $442 $26 $132 $1,587 $132
Highlander Sport 2WD $386 $576 $442 $26 $132 $1,587 $132
Highlander Limited 2WD $430 $678 $442 $26 $132 $1,733 $144
Highlander SE 4WD $430 $678 $442 $26 $132 $1,733 $144
Highlander Limited 4WD $430 $678 $442 $26 $132 $1,733 $144
Highlander Hybrid 4WD $430 $678 $442 $26 $132 $1,733 $144
Highlander Hybrid Limited 4WD $430 $678 $442 $26 $132 $1,733 $144
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Toyota Highlander insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $210 $298 $442 $26 $132 $1,108 $92
Highlander 4WD $238 $362 $442 $26 $132 $1,200 $100
Highlander Sport 4WD $238 $362 $442 $26 $132 $1,200 $100
Highlander SE 2WD $238 $362 $442 $26 $132 $1,200 $100
Highlander Sport 2WD $238 $362 $442 $26 $132 $1,200 $100
Highlander Limited 2WD $266 $426 $442 $26 $132 $1,292 $108
Highlander SE 4WD $266 $426 $442 $26 $132 $1,292 $108
Highlander Limited 4WD $266 $426 $442 $26 $132 $1,292 $108
Highlander Hybrid 4WD $266 $426 $442 $26 $132 $1,292 $108
Highlander Hybrid Limited 4WD $266 $426 $442 $26 $132 $1,292 $108
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Prices do not factor in your specific San Jose location which can revise coverage prices significantly.

Based on these figures, using a $250 deductible will cost in the ballpark of $34 more each month or $408 every year averaged for all Highlander models than opting for the higher $1,000 deductible. Since you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 22 months between claims, you would come out ahead if you opt for a higher deductible.

How to calculate when to raise deductibles

Average monthly premium for $250 deductibles: $137
Average monthly premium for $1,000 deductibles (subtract): - $103
Monthly savings from raising deductible: $34
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $34
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 22 months

The information below highlights how deductible choice and can change Toyota Highlander annual premium costs for each different age group. The prices are based on a married female driver, full coverage, and no discounts are applied to the premium.

Drive safe and save

The diagram below demonstrates how speeding tickets and at-fault claims can impact Toyota Highlander insurance costs for each different age category. The data assumes a married female driver, full coverage, $1,000 deductibles, and no discounts are applied.

Six factors that influence insurance costs

Many factors are part of the calculation when you get a price on insurance. Most are fairly basic such as your driving history, although some other factors are more transparent like where you live or how financially stable you are. Part of the insurance buying process is learning a few of the rating criteria that go into determining your policy premiums. When consumers understand what influences your rates, this enables informed choices that may reward you with big savings.

Annual mileage impacts premiums - The more miles you rack up on your Toyota in a year the more you'll pay to insure it. Most insurance companies apply a rate determined by how the vehicle is used. Cars that sit idle most of the time can be on a lower rate level than those that get driven frequently. An improperly rated Highlander can cost quite a bit. It's a smart idea to ensure your insurance coverage shows the proper vehicle usage, because improper ratings can cost you money.

Five star NHTSA crash test rating saves money - Cars with high safety ratings tend to have better insurance rates. These vehicles result in less severe injuries and lower injury rates translates directly to fewer claims passed on to you as lower rates. If your Toyota Highlander is rated at a minimum four stars on Safercar.gov or an "acceptable" rating on iihs.org it is probably cheaper to insure.

High deductibles lower premiums - Deductibles for physical damage represent how much money you are willing to pay before a claim is paid by your company. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Examples of covered claims would be a windshield broken by a bird, collision with a deer, or theft of your vehicle. The more money you're willing to pay, the less your insurance will be.

Add-on coverages push up prices - There are a ton of extra coverages that can add up on your insurance policy. Coverages like coverage for rental cars, towing coverage, and extra life insurance coverage may not be needed and are just wasting money. They may seem like a good idea when you first buy your policy, but your money might be better spent on other coverage so get rid of them and save.

Your employer and insurance rates - Did you know your insurance rates can be affected by your occupation? Occupations such as real estate brokers, business owners, and dentists tend to have the highest rates because of high stress levels and incredibly demanding work hours. Conversely, careers such as actors, engineers and performers pay the least.

Never go without insurance - Driving with no insurance is illegal and your next policy will cost more because you let your insurance coverage expire. Not only will rates go up, the inability to provide proof of insurance will get you a fine, jail time, or a revoked license.

Insurance loss data for a Toyota Highlander - Car insurance companies use historical loss data when they file their rates in each state. Vehicles that the statistics show to have higher loss trends will have higher rates for specific coverages.

The data below shows the compiled insurance loss statistics for Toyota Highlander vehicles. For each insurance policy coverage type, the claim amount for all vehicles compiled together is represented as 100. Percentage values below 100 imply a favorable loss record, while values that are 100 or greater indicate higher probability of having a loss or tendency to have higher losses.

Toyota Highlander Insurance Claim Statistics
Specific Toyota Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Toyota Highlander 4dr 2WD 88 82 94 94 78 75
Toyota Highlander 4dr 4WD 95 86 117 88 74 78
Toyota Highlander Hybrid 4dr 4WD 111 143
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Don't give up on cheap premiums

As you shop your coverage around, make sure you don't skimp on critical coverages to save a buck or two. There are too many instances where consumers will sacrifice comprehensive coverage or liability limits and found out when filing a claim that it was a big mistake. Your focus should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

Budget-friendly insurance in San Jose can be bought from both online companies as well as from insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance companies may not have online rate quotes and most of the time these small insurance companies sell through independent agencies.

Consumers who switch companies do it for a variety of reasons including poor customer service, delays in paying claims, being labeled a high risk driver and even unfair underwriting practices. It doesn't matter why you want to switch switching companies is pretty easy and you might even save some money in the process.

How to buy cheaper Toyota Highlander insurance in San Jose

The most effective way to find discount car insurance rates in San Jose is to do a yearly price comparison from insurers who can sell car insurance in California.

  • First, spend a few minutes and learn about how insurance companies determine prices and the measures you can take to prevent rate increases. Many things that drive up the price like high-risk driving behaviors and a substandard credit score can be improved by making minor driving habit or lifestyle changes.
  • Second, request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from one company like GEICO or Farmers Insurance, while independent agencies can provide price quotes from multiple insurance companies.
  • Third, compare the quotes to your existing policy to see if switching to a new carrier will save money. If you can save some money and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
  • Fourth, provide proper notification to your current company of your intent to cancel your existing policy. Submit a down payment and signed policy application to your new insurance company. Once coverage is bound, keep the new certificate verifying proof of insurance in an easily accessible location.

The most important part of this process is to compare similar coverage information on each quote and and to get prices from every company you can. Doing this ensures a fair price comparison and a complete price analysis.

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