Toyota Highlander Insurance Quotes in Fort Worth

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Insurance for Toyota HighlanderWant to learn how to find cheaper auto insurance rates in Fort Worth, TX? Fort Worth shoppers have options when shopping for low-cost Toyota Highlander insurance. You can either waste hours contacting agents to compare prices or leverage the internet to get rate quotes. There are both good and bad ways to find auto insurance online and we'll show you the quickest way to quote coverages for a Toyota and get the cheapest rates either online or from Fort Worth insurance agents.

Companies offering Toyota Highlander insurance in Fort Worth

The companies in the list below have been selected to offer free quotes in Fort Worth, TX. If multiple companies are listed, it's a good idea that you click on several of them in order to get a fair rate comparison.

Insurance coverage analysis

The table shown below highlights detailed analysis of insurance costs for Toyota Highlander models. Understanding more about how rate quotes are calculated is important for you to make decisions on which insurance to purchase.

Toyota Highlander Insurance Rates in Fort Worth, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $202 $316 $514 $30 $154 $1,216 $101
Highlander 4WD $228 $384 $514 $30 $154 $1,310 $109
Highlander Sport 4WD $228 $384 $514 $30 $154 $1,310 $109
Highlander SE 2WD $228 $384 $514 $30 $154 $1,310 $109
Highlander Sport 2WD $228 $384 $514 $30 $154 $1,310 $109
Highlander Limited 2WD $254 $452 $514 $30 $154 $1,404 $117
Highlander SE 4WD $254 $452 $514 $30 $154 $1,404 $117
Highlander Limited 4WD $254 $452 $514 $30 $154 $1,404 $117
Highlander Hybrid 4WD $254 $452 $514 $30 $154 $1,404 $117
Highlander Hybrid Limited 4WD $254 $452 $514 $30 $154 $1,404 $117
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Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Prices do not factor in the specific area where the vehicle is garaged which can modify price quotes considerably.

Can higher deductibles save money?

One common question asked by Fort Worth drivers is at what level do you set your deductibles. The tables below can help show the differences in price when you select higher and lower policy deductibles. The first price estimate table uses a $250 deductible and the second set of rates uses a $1,000 deductible.

Toyota Highlander insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $294 $408 $382 $22 $114 $1,245 $104
Highlander 4WD $332 $496 $382 $22 $114 $1,371 $114
Highlander Sport 4WD $332 $496 $382 $22 $114 $1,371 $114
Highlander SE 2WD $332 $496 $382 $22 $114 $1,371 $114
Highlander Sport 2WD $332 $496 $382 $22 $114 $1,371 $114
Highlander Limited 2WD $370 $584 $382 $22 $114 $1,497 $125
Highlander SE 4WD $370 $584 $382 $22 $114 $1,497 $125
Highlander Limited 4WD $370 $584 $382 $22 $114 $1,497 $125
Highlander Hybrid 4WD $370 $584 $382 $22 $114 $1,497 $125
Highlander Hybrid Limited 4WD $370 $584 $382 $22 $114 $1,497 $125
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Toyota Highlander insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $182 $256 $382 $22 $114 $956 $80
Highlander 4WD $206 $312 $382 $22 $114 $1,036 $86
Highlander Sport 4WD $206 $312 $382 $22 $114 $1,036 $86
Highlander SE 2WD $206 $312 $382 $22 $114 $1,036 $86
Highlander Sport 2WD $206 $312 $382 $22 $114 $1,036 $86
Highlander Limited 2WD $228 $368 $382 $22 $114 $1,114 $93
Highlander SE 4WD $228 $368 $382 $22 $114 $1,114 $93
Highlander Limited 4WD $228 $368 $382 $22 $114 $1,114 $93
Highlander Hybrid 4WD $228 $368 $382 $22 $114 $1,114 $93
Highlander Hybrid Limited 4WD $228 $368 $382 $22 $114 $1,114 $93
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Price information does not factor in zip code location which can revise premium rates substantially.

Based on the figures above, using a $250 deductible costs approximately $30 more each month or $360 every year than choosing the higher $1,000 deductible. Because you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 25 months between claims, you would save more money if you elect the higher deductible. The table below illustrates a better example of how you can make your own decision.

Average monthly premium for $250 deductibles: $119
Average monthly premium for $1,000 deductibles (subtract): - $89
Monthly savings from raising deductible: $30
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $30
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

The example below demonstrates how choosing different deductibles and can raise or lower Toyota Highlander insurance costs for each age group. The costs are based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.

Gender differences in insurance premiums

The diagram below illustrates the comparison of Toyota Highlander auto insurance costs for male and female drivers. The rate quotes are based on no driving violations, no at-fault accidents, comp and collision included, $500 deductibles, single marital status, and no discounts are applied.

Full coverage rates vs. liability-only in Fort Worth

The example below shows the comparison of Toyota Highlander premium costs with liability coverage only compared to full coverage. The premiums are based on no tickets, no at-fault accidents, $500 deductibles, drivers are single, and no policy discounts are applied.

When to stop paying for full coverage

There is no definitive rule to drop full coverage, but there is a general guideline you can use. If the yearly cost of full coverage is more than about 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let's assume your Toyota Highlander replacement cost is $5,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $4,000 after you pay the deductible. If it's costing you more than $400 annually for full coverage, then you may want to consider only buying liability coverage.

There are some situations where dropping full coverage is not recommended. If you still have a lienholder on your title, you are required to maintain full coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle if your current one is in an accident, you should not opt for liability only.

Lower-cost Fort Worth car insurance rates with discounts

Companies that sell car insurance don't always list every discount they offer very well, so the following list contains a few of the more well known as well as some of the hidden credits available to you.Car insurance discounts

  • Discount for Swiching Early - A few car insurance companies offer discounts for signing up prior to your current Highlander insurance policy expiring. Ten percent is about the average savings.
  • Organization Discounts - Belonging to qualifying clubs or civic groups is a good way to get lower rates on your next renewal.
  • Military Rewards - Being deployed with a military unit could be rewarded with lower car insurance rates.
  • Anti-theft Discount - Cars and trucks equipped with anti-theft or alarm systems are stolen with less frequency and that can save you a little bit as well.
  • Discounts for Government Workers - Simply working for the federal government could provide a small rate reduction with a few car insurance companies.
  • Telematics Data - People who choose to allow their car insurance company to study driving habits by using a telematics device in their vehicle such as Progressive's Snapshot and State Farm's In-Drive could see a rate decrease as long as they are good drivers.

Policy discounts save money, but most credits do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like all those discounts means the company will pay you, it just doesn't work that way. Any amount of discount will definitely reduce your overall premium however.

The chart below illustrates the difference between Toyota Highlander car insurance rates with and without discounts applied to the rates. The data is based on a male driver, no claims, a clean driving record, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, homeowner, multi-policy, claim-free, and marriage discounts applied.

A list of companies and some of the discounts are shown below.

  • GEICO includes discounts for membership and employees, daytime running lights, multi-vehicle, five-year accident-free, and air bags.
  • SAFECO discounts include anti-theft, drive less, accident prevention training, safe driver, and anti-lock brakes.
  • State Farm may offer discounts for safe vehicle, Steer Clear safe driver discount, anti-theft, multiple policy, and defensive driving training.
  • MetLife may include discounts for good student, multi-policy, good driver, accident-free, claim-free, and defensive driver.
  • 21st Century policyholders can earn discounts including defensive driver, teen driver, theft prevention, early bird, air bags, 55 and older, and student driver.
  • Progressive offers discounts including good student, multi-vehicle, multi-policy, homeowner, online signing, continuous coverage, and online quote discount.

When quoting, ask each company which discounts they offer. Some discounts listed above may not apply to policyholders in every state. If you would like to see a list of car insurance companies that provide some of the discounts listed above in Fort Worth, click here.

You Can Change Your Insurance Costs

Lots of things are part of the equation when pricing auto insurance. Some are obvious like a motor vehicle report, but some are not as apparent like your vehicle usage or how safe your car is. Smart consumers have a good feel for some of the factors that aid in calculating the price you pay for insurance. If you have some idea of what controls the rates you pay, this enables informed choices that can help you get lower insurance prices.

The items below are some of the factors utilized by car insurance companies to help set your premiums.

  • Accidents mean higher premiums - Your driving record has a huge affect on how much you pay. Having a single speeding ticket could increase your next policy renewal by as much as twenty percent. Drivers who don't get tickets get better rates than their less careful counterparts. Drivers who get serious tickets like hit and run, DWI or reckless driving convictions may face state-mandated requirements to complete a SR-22 to the state department of motor vehicles in order to prevent their license from being revoked.

    The chart below shows how speeding tickets and at-fault fender-benders can raise Toyota Highlander auto insurance rates for different ages of insureds. The premiums assume a married female driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.

  • Your address can push rates up or down - Living in small towns and rural areas may provide you with better prices when talking about insurance. People who live in big cities tend to have much more traffic and higher rates of accident claims. Less people translates into fewer accident claims and a lower car theft rate.
  • Filing insurance claims can cost you more - If you're an insured who likes to file claims you can look forward to either a policy non-renewal or much higher rates. Companies in Texas generally give discounts to drivers who are not frequent claim filers. Auto insurance is meant to be used in the event of more catastrophic claims.
  • Discounts for theft deterrents - Purchasing a vehicle that has an advanced theft prevention system can earn a premium discount. Anti-theft devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder car theft and help bring rates down.
  • Insurance loss data for a Toyota Highlander - Insurers use past insurance losses to help determine costs. Vehicles that have higher loss trends will cost more for specific coverages.

    The data below shows the historical insurance loss data for Toyota Highlander vehicles. For each coverage category, the statistical loss for all vehicles combined as an average is a value of 100. Numbers under 100 mean the vehicle has better than average losses, while values that are above 100 indicate higher probability of having a loss or a tendency for losses to be larger than average.

    Insurance Loss Ratings for Toyota Highlander Vehicles
    Vehicle 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
    Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

What if I want to buy from local Fort Worth insurance agents?

Some consumers prefer to sit down and talk to an agent and that is just fine! Most agents are very good at helping people manage risk and give you someone to call. A good thing about comparing insurance online is you can get lower rates and still have an agent to talk to.

Fort Worth insurance agentsOnce you complete this quick form, your information is transmitted to companies in Fort Worth that provide free Fort Worth auto insurance quotes for your insurance coverage. There is no reason to leave your house since rate quotes are delivered to you instantly. If for some reason you want to quote rates from a specific insurance company, don't hesitate to jump over to their website and fill out their quote form.

Choosing an company is decision based upon more than just a cheap quote. Below are some questions you should ask.

  • Does the agency have a positive business rating?
  • How much training do they have in personal risk management?
  • Which insurance companies are they affiliated with?
  • Is the agent CPCU or CIC certified?
  • Are all drivers listed on the coverage quote?
  • What are the financial ratings for the companies they represent?
  • Does the agent have a valid license to sell insurance in Texas?

Two types of auto insurance agents

If you are wanting to purchase insurance from an insurance agent, it's helpful to know the different agency structures and how they can write your policy. Insurance agencies can be described as either exclusive or independent (non-exclusive). Either one can properly insure your vehicles, but it's important to point out the differences since it can affect the kind of agent you use.

Exclusive Insurance Agents

Exclusive insurance agents can only place business with one company and some examples include State Farm, AAA, and Liberty Mutual. Exclusive agencies are unable to give you multiple price quotes so always compare other rates. Exclusive agencies receive a lot of sales training on the products they sell and that allows them to sell at a higher price point. Consumers often buy from the same agent for years mainly due to the brand name and the convenience of having all coverages with one company.

Listed below is a list of exclusive agencies in Fort Worth who may provide you with rate quotes.

View more Fort Worth agents

Independent Insurance Agents

Agents that choose to be independent do not work for one specific company and that allows them to write policies with a variety of different insurance companies and find the cheapest insurance rates. If prices rise, your agent can just switch to a different company and you don't have to do anything. If you are trying to find cheaper rates, you should always get some free quotes from independent agents so that you can do a thorough price comparison. A lot of them also have access to smaller regional carriers which may have better rates.

Below is a list of independent insurance agencies in Fort Worth willing to provide price quote information.

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Once you have positive feedback for all questions you ask and locked in a price quote, most likely you have located an auto insurance agent that can properly insure your vehicles.

One last thing to lower rates

Drivers change insurance companies for a variety of reasons including questionable increases in premium, denial of a claim, high prices and even poor customer service. No matter why you want to switch, switching insurance companies is actually quite simple.

When shopping online for insurance, it's not a good idea to buy less coverage just to save a little money. There are many occasions where an insured cut liability limits or collision coverage and learned later that it was a big mistake. Your goal should be to purchase plenty of coverage for the lowest cost, but don't skip important coverages to save money.

Discount Toyota Highlander insurance in Fort Worth can be sourced on the web as well as from insurance agents, and you should compare rates from both to get a complete price analysis. Some insurance companies don't offer online quoting and usually these smaller providers work with local independent agents.

How to find the cheapest rates for Toyota Highlander insurance in Fort Worth

The best way to get affordable auto insurance rates is to regularly compare prices from providers who sell auto insurance in Fort Worth. Rate comparisons can be done by completing these steps.

First, spend a few minutes and learn about how your policy works and the measures you can take to prevent rate increases. Many risk factors that result in higher prices like your driving record and poor credit rating can be improved by making lifestyle changes or driving safer.

Second, obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO and State Farm, while independent agencies can provide prices for a wide range of insurance providers. Start a quote

Third, compare the new rate quotes to your current policy premium and see if there is a cheaper rate. If you find a better price and switch companies, make sure there is no lapse in coverage.

Fourth, provide adequate notice to your current company of your intention to cancel your current policy and submit payment and a signed application to the new company. Don't forget to place the new certificate of insurance with the vehicle registration.

An essential thing to point out is to compare identical deductibles and limits on every price quote and and to get quotes from as many carriers as you can. Doing this helps ensure a fair rate comparison and a complete price analysis.

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