Who Has Cheap Insurance Quotes for a Toyota Highlander in New Jersey?

Your chances of buying cheap insurance for a Toyota Highlander in New Jersey depends on a lot of different factors such as whether you own a home, if you are currently insured, and whether or not you are a good driver. Drivers in New Jersey on average pay approximately $1,500 annually to buy Toyota Highlander insurance, but that policy rate is a projection based upon a 50-year-old married female that wants both comprehensive and collision coverage and $100 policy deductibles.

There is a high probability that you aren’t exactly 50 years old or even a female, possibly single instead of married, or maybe you live in a different area as the quoted rates. This illustrates why your best shot at finding the cheapest insurance price for your Toyota is to comparison shop your policy at every renewal or at least every couple of years.

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The specific trim level impacts price, so the price you will be charged to insure a Highlander 2WD will be $302 less than the cost to insure the fancier Highlander Hybrid Limited 4WD model, as shown by the rates below.

Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Rate quotes do not factor in zip code location which can raise or lower rates significantly.

Ending up with a good quality insurance provider can be challenging considering how many choices you have in New Jersey. The information shown next could help you choose which insurers to look at purchasing coverage from. The rankings below only include companies who write in the majority of U.S. states, so companies that only write business in New Jersey or surrounding areas are not factored into these rankings.

Discounts on New Jersey insurance

Insurers that provide cheap insurance for a Toyota Highlander in New Jersey may also provide premium discounts that could lower prices by 40% or more if you meet specific eligibility requirements. A list of car insurance companies and their offered discounts are detailed below.

• 21st Century offers discounts for defensive driver, driver training, air bags, automatic seat belts, teen driver, homeowners, and anti-lock brakes.
• Progressive may have discounts that include multi-policy, continuous coverage, good student, homeowner, multi-vehicle, and online signing.
• State Farm has discounts for student away at school, defensive driving training, Steer Clear safe driver discount, multiple autos, and good student.
• Nationwide offers premium reductions for easy pay, Farm Bureau membership, accident-free, defensive driving, and family plan.
• Esurance may offer discounts for multi-car, online quote, anti-theft, online shopper, claim free, and homeowner.
• The Hartford discounts include good student, driver training, bundle, air bag, anti-theft, defensive driver, and vehicle fuel type.

The information below shows the difference between auto insurance costs with and without discounts applied to the rates. The rates are based on a male driver, no claims, a clean driving record, New Jersey state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with multiple vehicle, marriage, vehicle safety, anti-theft, homeowner, and passive restraint discounts applied. In this example, the the average yearly reduction on car insurance for a Toyota Highlander is 28% or $674.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 4095,2939],[‘Age 30’, 2169,1571],[‘Age 40’, 2105,1521],[‘Age 50’, 1925,1391],[‘Age 60’, 1869,1349],[‘Age 70’, 2317,1663]]);var options = {title: ‘Comparison of Insurance Rates for a Toyota Highlander’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Highlander in New Jersey’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Why you are probably overpaying for Highlander insurance

New Jersey car insurance rates are based on many factors that may substantially change the cost of having a policy. Turning one year older, buying another vehicle, or getting a speeding ticket can trigger changes in premium that can make some companies much cheaper than others. And not only may your rating factors change, but car insurance companies change prices multiple times each year in order to remain profitable. Significantly higher claims can cause higher priced premiums, while a lower level of claims may produce cheaper Highlander insurance rates.

For instance, the chart below shows the cheapest car insurance in New Jersey for a 40-year-old female driver with a clean driving record, no accidents, and a decent credit rating. When comparing rates based on her personal profile, 21st Century may have the best car insurance rates in New Jersey at $1,111 annually. This is $741 less than the average policy premium paid by New Jersey drivers of $1,852. Travelers, New Jersey Manufacturers, Penn National, and Palisades also make the list of the best New Jersey auto insurance companies.

google.charts.setOnLoadCallback(drawNJWitcqcibChart);function drawNJWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[’21st Century’, 1111, ‘#528E00’],[‘Travelers’, 1191, ‘#447600’],[‘New Jersey Manufacturers’, 1297, ‘#386200’],[‘Penn National’, 1338, ‘#2E5100’],[‘Palisades’, 1395, ‘#264300’]]);var options = {title: ‘Best Auto Insurance Rates for a Toyota Highlander’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1495,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

The next chart shows rates after we give the driver in the first example a claim, a little lower credit rating, and a traffic ticket or two. Due to the fact that every auto insurer has a unique approach to set premium rates, comparing prices most likely will result in a different list of the cheapest companies as shown below.

google.charts.setOnLoadCallback(drawNJWcqcibChart);function drawNJWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘The Hartford’, 1623.6, ‘#C77F00’],[‘Allstate’, 1691.8, ‘#A56900’],[‘USAA’, 1743.5, ‘#895700’],[‘Mercury’, 1816.1, ‘#724800’],[‘Travelers’, 1905.6, ‘#5F3C00’]]);var options = {title: ‘New Rates with Accident/Violation Surcharges’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:2005.6,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

The Hartford now has the best price in New Jersey with Allstate, USAA, Mercury, and Travelers now rounding out the top five. This illustrates why New Jersey drivers need to compare lots of rates to get the most economical auto insurance quotes for a Toyota Highlander. Car insurance prices can be determined by many different factors and can change without notice, so the lowest-price company the last time you shopped around may now cost much more than other companies.

Find cheap insurance for a Toyota Highlander in New Jersey

It is possible to find better rates, and here are some of the recommended penny-pinching suggestions that can help New Jersey drivers find cheaper coverage.

• Higher credit scores may earn you cheaper rates
• Higher deductibles mean lower rates
• Accident-free drivers may qualify for discounts
• Violations and traffic tickets increase rates
• Lower rates by purchasing a safer vehicle
• Do not insure for full coverage
• Compare rates regularly and switch companies to save money

The last idea is highly vital, as was stressed in this piece. Coverage prices can change significantly in a year, so don’t be unwilling to switch carriers if a more affordable price is available. Many drivers prefer to stick with one company, but we do not recommend it if that loyalty results in overpaying potentially thousands of dollars a year. Take a couple minutes and shop around to find cheaper insurance for a Toyota Highlander.