Looking for cheaper Toyota Highlander insurance in Columbia? Buying budget-priced Columbia Toyota Highlander insurance quotes may seem to be rather challenging for people that are relatively new to price shopping online. With dozens of insurers to choose from, how can you even start to compare the different rates to find better rates?

Insurance for Toyota HighlanderShocking but true, 70% of consumers kept buying from the same company for over three years, and just short of a majority have never quoted insurance rates at all. Most drivers in Columbia can save roughly 55% each year just by getting comparison quotes, but they just don't want to save money by comparing rate quotes.

You should make it a habit to get comparison quotes before your next renewal because insurance prices tend to go up over time. Just because you had the best price on Toyota Highlander insurance in Columbia a few years ago the chances are good that you can find a lower rate today. Ignore everything you know about insurance because you're about to learn how to quote online to lower your annual insurance bill.

Most companies provide coverage price quotes on their websites. Comparing Toyota Highlander insurance rates online is pretty painless as you just enter the coverages you want as detailed in the form. When complete, the system sends out for reports for credit and driving violations and generates a price based on these and other factors.

This makes it a lot easier to compare rates and it's also necessary to perform this step in order to find affordable prices.

To use this form to compare rates, compare rates now from the companies shown below. If you currently have coverage, we recommend you duplicate coverages and limits as shown on your current policy. This guarantees you will have an apples-to-apples comparison using the same coverage and limits.

The providers in the list below are our best choices to provide free quotes in South Carolina. If several companies are displayed, we recommend you visit as many as you can to get the cheapest price.

Toyota Highlander Insurance Estimates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $268 $400 $352 $20 $106 $1,146 $96
Highlander 4WD $204 $344 $460 $28 $138 $1,174 $98
Highlander Sport 4WD $286 $502 $444 $26 $132 $1,390 $116
Highlander SE 2WD $204 $344 $460 $28 $138 $1,174 $98
Highlander Sport 2WD $234 $352 $348 $20 $104 $1,058 $88
Highlander Limited 2WD $358 $612 $348 $20 $104 $1,442 $120
Highlander SE 4WD $198 $322 $348 $20 $104 $992 $83
Highlander Limited 4WD $160 $280 $328 $20 $98 $886 $74
Highlander Hybrid 4WD $158 $274 $320 $18 $96 $866 $72
Highlander Hybrid Limited 4WD $358 $612 $348 $20 $104 $1,442 $120
Get Your Own Custom Quote Go

Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Price information does not factor in specific location which can raise or lower rates significantly.

Rate comparison for different deductibles

When comparing auto insurance rates, the most common question is which deductible level should you buy. The comparisons below can help you understand the cost difference of buying low and high coverage deductibles. The first price estimate table uses a $100 physical damage deductible and the second rate chart uses a $500 deductible.

Toyota Highlander insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $294 $436 $342 $20 $102 $1,219 $102
Highlander 4WD $332 $530 $342 $20 $102 $1,351 $113
Highlander Sport 4WD $332 $530 $342 $20 $102 $1,351 $113
Highlander SE 2WD $332 $530 $342 $20 $102 $1,351 $113
Highlander Sport 2WD $332 $530 $342 $20 $102 $1,351 $113
Highlander Limited 2WD $370 $624 $342 $20 $102 $1,483 $124
Highlander SE 4WD $370 $624 $342 $20 $102 $1,483 $124
Highlander Limited 4WD $370 $624 $342 $20 $102 $1,483 $124
Highlander Hybrid 4WD $370 $624 $342 $20 $102 $1,483 $124
Highlander Hybrid Limited 4WD $370 $624 $342 $20 $102 $1,483 $124
Get Your Own Custom Quote Go
Toyota Highlander insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $214 $294 $342 $20 $102 $972 $81
Highlander 4WD $242 $358 $342 $20 $102 $1,064 $89
Highlander Sport 4WD $242 $358 $342 $20 $102 $1,064 $89
Highlander SE 2WD $242 $358 $342 $20 $102 $1,064 $89
Highlander Sport 2WD $242 $358 $342 $20 $102 $1,064 $89
Highlander Limited 2WD $270 $422 $342 $20 $102 $1,156 $96
Highlander SE 4WD $270 $422 $342 $20 $102 $1,156 $96
Highlander Limited 4WD $270 $422 $342 $20 $102 $1,156 $96
Highlander Hybrid 4WD $270 $422 $342 $20 $102 $1,156 $96
Highlander Hybrid Limited 4WD $270 $422 $342 $20 $102 $1,156 $96
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Information does not factor in specific location which can impact coverage rates greatly.

Based on the above data, using a $100 deductible could cost the average driver approximately $25 more each month or $300 every year than requesting the higher $500 deductible. Since you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 16 months between claim filings, you would probably be better off going with the higher deductible.

Auto insurance rates based on gender

The chart below compares Toyota Highlander car insurance costs for male and female drivers. The data assumes no claims or violations, full coverage, $500 deductibles, marital status is single, and no other discounts are factored in.

Protect your Highlander and other assets

Despite the potentially high cost of Toyota Highlander insurance, insurance is most likely required but also gives you several important benefits.

The benefits of having insurance more than offset the price you pay, especially if you ever need it. But the average American driver is wasting up to $700 annually so compare rates at least once a year to ensure rates are competitive.

Find Toyota Highlander Insurance for Less

Smart consumers have a good feel for some of the things that help determine your premiums. When you know what positively or negatively determines premiums, this allows you to make good choices that may reward you with much lower annual insurance costs.

The items below are most of the major factors that factor into your rate level.

Fewer miles means better prices - The more miles you rack up on your Toyota every year the higher your rate. A lot of insurance companies calculate prices based on their usage. Cars and trucks used primarily for pleasure use receive lower rates than those used for commuting. An improperly rated Highlander can result in significantly higher rates. It's a smart idea to ensure your declarations sheet is rated on the proper vehicle usage, because improper ratings can cost you money.

Prices increase with policy add-ons - Policies have extra add-on coverages you can purchase if you aren't diligent. Things like rental car coverage, accident forgiveness, and term life insurance are some examples. These coverages may sound good when discussing your needs, but if you don't need them get rid of them and save.

GPS tracking and theft deterrents reduce rates - Buying a car with a theft deterrent system can help lower your premiums. Theft prevention features like OnStar, LoJack tracking, and tamper alarms all hinder auto theft.

Get better costs after the wedding - Having a significant other can get you a discount when buying car insurance. Having a spouse means you're more mature than a single person it has been statistically shown that married drivers tend to have fewer serious accidents.

Pay more if you have a long commute - Being located in areas with lower population may provide you with better prices when trying to find low car insurance rates. Less people means a lower chance of having an accident and lower theft and vandalism rates. Drivers who live in large South Carolina cities have more auto accidents and higher rates of accident claims. Longer commute distances means more chance of being in an accident.

Frequent insurance claims will cost you - If you're an insured who likes to file claims you can look forward to either policy cancellation or increased premiums. Companies in South Carolina provide cheaper rates to policyholders who file claims infrequently. Your insurance policy is designed for more catastrophic claims.

Less chance of injury means lower prices - Vehicles with high crash test scores get lower rates. These vehicles result in less severe injuries and lower rates of occupant injuries means less claims paid and thus lower rates. If your Toyota Highlander has ratings of a minimum an "acceptable" rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.

Insurance loss data for Toyota Highlander vehicles - Insurers take into consideration historical loss data for every vehicle to help calculate a profitable premium price. Vehicles that statistically have a higher amount or frequency of claims will have a higher premium rate. The data below shows the insurance loss data for Toyota Highlander vehicles.

For each policy coverage type, the statistical loss for all vehicles averaged together is set at 100. Percentage values below 100 mean the vehicle has better than average losses, while numbers shown that are more than 100 show a trend for more claims or statistically larger losses.

Car Insurance Loss Data for Toyota Highlander Models

Make and 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

Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Discounts for cheap auto insurance rates

Some insurers don't always advertise every discount they offer very clearly, so we took the time to find a few of the more well known and the more hidden discounts you could be receiving when you buy Columbia auto insurance online.Discount auto insurance

Please keep in mind that many deductions do not apply to the entire cost. Most only cut individual premiums such as liability and collision coverage. So when it seems like you can get free auto insurance, you aren't that lucky. But all discounts will definitely lower the cost of coverage.

For a list of companies that offer the discounts shown above in South Carolina, click here to view.

Exclusive versus independent insurance agencies

A lot of people would prefer to sit down and talk to an agent and that can be a smart move One of the great benefits of comparing insurance prices online is that you can find lower rates but still work with a licensed agent. Buying from and supporting local insurance agents is important particularly in Columbia.

Insurance agents in ColumbiaAfter completing this form (opens in new window), the quote information is emailed to agents in your area who will give competitive quotes and help you find cheaper coverage. It makes it easy because there is no need to contact any insurance agencies since price quotes are sent to you instantly. You can find lower rates and a licensed agent to talk to. If you want to get a price quote from a specific company, don't hesitate to navigate to their website and fill out the quote form the provide.

Independent or Exclusive: It's your choice

If you want to use a good insurance agency, it's important to understand the different agency structures and how they work. Insurance agents in Columbia may be either exclusive or independent (non-exclusive).

Independent Insurance Agents (or Brokers)

Independent insurance agents do not work for one specific company so as a result can place your coverage with multiple insurance companies and find you cheaper rates. If your premiums go up, they simply move the coverage in-house and you don't have to switch agencies.

When comparing insurance rates, you absolutely need to compare quotes from at least one independent agent for maximum quote selection. Most also have access to smaller mutual companies that may provide cheaper insurance rates.

Shown below is a list of independent insurance agents in Columbia that may be able to give rate quotes.

More Columbia agents

Exclusive Insurance Agents

These agents write business for a single company and examples are Farmers Insurance, State Farm, Allstate, and AAA. These agents are unable to provide prices from multiple companies so always compare other rates. These agents receive a lot of sales training on their company's products which helps overcome the inability to quote other rates. Drivers often buy insurance from these agents primarily because of high brand loyalty and the convenience of having all coverages with one company.

Shown below is a short list of exclusive agents in Columbia willing to provide price quotes.

More Columbia agents

Finding the right insurance agency is decision based upon more than just the bottom line cost. These are some questions your agent should answer.

After receiving acceptable answers for all questions you ask in addition to an acceptable price estimate, chances are good that you have found a car insurance agent that is a good match to adequately provide insurance. Just remember you are able to cancel your coverage at any time so don't think that you're stuck with a specific company for the entire policy term.

Quote. Compare. Save.

Budget-friendly auto insurance in Columbia is available online and with local Columbia insurance agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who may not provide online price quotes and these small insurance companies sell through independent insurance agencies.

Drivers leave their current company for many reasons like an unsatisfactory settlement offer, policy cancellation, not issuing a premium refund and even policy non-renewal. It doesn't matter what your reason, finding a new company is not as hard as you think.

You just read many ideas to shop for Toyota Highlander insurance online. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your prices. Drivers may even discover the best price on auto insurance is with a company that doesn't do a lot of advertising.

To learn more, link through to the following helpful articles: