Best Cheap Insurance Quotes for a Toyota Highlander in Florida

Your odds of finding cheaper auto insurance for a Toyota Highlander in Florida depends on an enormous amount of factors such as whether or not you own a home, if you are a frequent claim filer, and violations on your driving record. Florida drivers will pay on average $1,740 each year to insure a Highlander, but that figure is an estimate based on rates for a 30-year-old single male driver who requires full comprehensive and collision coverage and $100 policy deductibles.

This brings up the issue that more than likely you are not a 30-year-old male, possibly married instead of single, or maybe you rent instead of own your home. Even a slight difference in rating variables or coverage information can cause large differences in the cost of a policy.

Car insurance coverage is unique to each driver, so this is why the most reliable method for finding cheap insurance rates for your Toyota is to do a thorough rate comparison. Get your free quotes now and you will get price quotes from top-rated car insurance companies that sell coverage in Florida.

View Toyota Highlander Insurance Rates

The trim level of your Highlander has an effect on the cost of insurance, so the price to insure a Highlander 2WD will be $336 cheaper than the insurance cost for the higher-priced Highlander Hybrid Limited 4WD trim level, as shown in the prices below.

Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Rates do not factor in vehicle garaging location which can increase or decrease premiums considerably.

Picking the top car insurance company is hard considering how many companies there are to choose from in Florida. The ranking information in the next section may help you decide which car insurance providers you want to consider when comparing auto insurance rates for a Toyota Highlander. These ratings only include major nationwide insurance companies, so smaller companies will not be included in the list.

Top 10 Large Auto Insurance Companies in Florida Ranked by Customer Service

1. USAA
2. Travelers
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Safeco Insurance
7. Progressive
8. State Farm
9. The Hartford
10. The General

Top Companies for Toyota Highlander Insurance in Florida

Drive responsibly or pay higher rates

The best way to earn low insurance rates for a Highlander is to be an attentive driver and avoid at-fault accidents and violations. The information below illustrates how traffic citations and fender-benders can raise insurance premiums for different ages of insureds. The rates are based on a single female driver, full coverage, $100 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 4017,4383,5405],[‘Age 30’, 2807,3167,4193],[‘Age 40’, 2595,2959,3981],[‘Age 50’, 2271,2633,3659],[‘Age 60’, 2193,2555,3581],[‘Age 70’, 2539,2903,3925]]);var options = {title: ‘Effect of Citations and Accidents on Florida Toyota Highlander Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Highlander in Florida’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the chart above, the average cost of auto insurance in Florida per year with no accidents or violations is $2,737. Add in one speeding ticket and the average cost surges to $3,100, an increase of $363 each year. Then add in one accident along with the one speeding ticket and the annual cost of insurance for a Toyota Highlander goes up to an average of $4,124. That’s an increase of $1,387, or $116 per month, just for being a little careless behind the wheel!

The diagram below shows how different deductible levels can affect insurance costs when getting quotes for cheap insurance for a Toyota Highlander. The information is based on a married male driver, full coverage, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 4691,4253,3763,3301],[‘Age 30’, 2477,2245,1975,1713],[‘Age 40’, 2365,2153,1905,1667],[‘Age 50’, 2157,1963,1739,1527],[‘Age 60’, 2119,1927,1707,1497],[‘Age 70’, 2411,2203,1971,1749]]);var options = {title: ‘Comparison of Deductible Levels and Toyota Highlander Insurance Rates in Florida’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Highlander’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The data above shows that a 30-year-old driver could save $460 a year by switching from a $100 deductible to a $500 deductible, or save $698 by using a $1,000 deductible. Even younger insureds, like the age 20 example, could reduce their rates up to $1,390 every year by using higher deductibles when buying full coverage. When choosing a higher deductible, it is a good idea to have enough spare savings to enable you to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.

How to find low-cost auto insurance for a Toyota Highlander

The list below summarizes some thrifty solutions that can help Florida drivers buy cheaper car insurance.

• Avoid having at-fault accidents
• Safer vehicles generally have cheaper insurance rates
• Save money by insuring your home and auto with the same company
• If your vehicles are older, consider dropping full coverage
• Try to not file small claims
• Do not get traffic tickets
• Compare rates regularly and switch companies to save money

The last suggestion is certainly important, as was discussed in the prior information. Prices charged by auto insurers adjust frequently, so don’t hesitate to change insurance companies if a cheaper price is available.

Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if that dedication is costing major coinage every year. In just a few minutes you could compare prices to find cheaper auto insurance for a Toyota Highlander.