Cheap Insurance Quotes for a Toyota Highlander in Oregon

The chances of buying the cheapest coverage for a Toyota Highlander in Oregon hinges on a lot of things like age of the driver, the performance level of your vehicle, and whether or not you are a good driver. Drivers in Oregon on average will pay $1,090 every 12 months to insure their Highlander, but that cost is based upon a 30-year-old single male driver that has both comprehensive and collision coverage and $500 physical damage deductibles.

There is a very good chance that you are not 30 years old and maybe not even male, you might be married instead of single, or maybe you want more liability coverage than is required by law in Oregon. Every auto insurance policy is unique to the driver, so the only way to find the cheapest coverage for your Toyota is to compare rates from as many companies as possible.

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Your vehicle’s trim level tends to have a direct impact on price, so the cost to insure a Highlander 2WD model will be $180 less expensive the insurance cost for the higher-priced Highlander Hybrid Limited 4WD trim level, as demonstrated by the prices below.

Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Oregon minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Premium costs do not factor in the specific area where the vehicle is garaged which can change coverage rates considerably.

Finding decent, cost effective insurance is difficult, and determining which company offers the cheapest auto insurance rates for a Toyota Highlander will require even more rate comparisons. Every car insurance company has a unique approach for setting prices, so let’s begin by taking a look at the most budget-friendly auto insurance companies in Oregon.

It’s important to know that Oregon auto insurance rates are based on many factors that can increase the policy price. Simply getting older, buying a new vehicle, or getting a ticket for careless driving may cause policy rate changes that can now make some companies much cheaper than others.

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Grange has some of the most affordable car insurance rates in Oregon at around $708 a year. Country, Oregon Mutual, USAA, and Travelers are also some of the more affordable Oregon insurance companies.

As shown in the rates above, if you currently have a policy with USAA and switched to Grange, you could realize an annual savings of in the neighborhood of $242. Oregon drivers with Travelers may save as much as $244 a year, and State Farm customers might lower prices by $353 a year.

To find cheap insurance for a Toyota Highlander in Oregon for your vehicle, click here to start your free quote or click several companies below for low rates.

Be aware that those estimates are averaged across all types of insureds and vehicles and do not take into consideration a specific rate factor for a Toyota Highlander. So the auto insurance company that can offer you the lowest price may not even be included in the list above. That affirms the importance of why you need to get auto insurance quotes using your own driver and vehicle profiles.

Rate difference between full and liability-only coverage

Finding cheap insurance for a Toyota Highlander in Oregon is the goal of most drivers, and one way to pay less for insurance is to not buy full coverage. The diagram below illustrates the difference between premium costs with full coverage and liability only. The data assumes no tickets, no at-fault accidents, $1,000 deductibles, drivers are not married, and no other discounts are factored in.

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If the expense is averaged for all age categories, full coverage on your policy costs $1,502 per year over liability only. Lot’s of drivers question if you should buy full coverage. There is no exact formula of when to drop full coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.

How to get discounts on Oregon car insurance rates

Insurance companies that provide cheap insurance for a Toyota Highlander in Oregon could also offer premium discounts that could reduce prices by 30% or more if you are eligible. Large auto insurance companies and some of their more popular discounts are included below.

• GEICO offers premium reductions for military active duty, seat belt use, federal employee, anti-theft, driver training, membership and employees, and good student.
• Auto-Owners Insurance offers discounts for anti-lock brakes, student away at school, company car, safe vehicle, and air bags.
• American Family has savings for multi-vehicle, TimeAway discount, early bird, defensive driver, accident-free, Steer into Savings, and bundled insurance.
• Esurance may include discounts for anti-theft, multi-car, homeowner, Pac-12 alumni, good driver, online quote, and claim free.
• Progressive offers discounts including online quote discount, continuous coverage, homeowner, multi-policy, good student, online signing, and multi-vehicle.
• State Farm includes discounts for safe vehicle, driver’s education, multiple policy, Drive Safe & Save, and accident-free.
• AAA policyholders can earn discounts including education and occupation, multi-policy, AAA membership discount, multi-car, pay-in-full, anti-theft, and good student.

The information below shows the difference between insurance prices with and without some available policy discounts. The premiums assume a female driver, no driving violations, no at-fault accidents, Oregon state minimum liability limits, full physical damage coverage, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with accident-free, marriage, vehicle safety, homeowner, safe-driver, and defensive driving course discounts applied. With discounts applied, the average amount saved each year on auto insurance for a Toyota Highlander is 28% or $427.

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Cheapest car insurance: State Farm, Geico, Progressive, or Allstate

When researching auto insurance, four companies to take a look at are State Farm, Geico, Progressive, and Allstate. When added together, they make up nearly half of all vehicles in the U.S.. All four offer physical damage and liability coverage, but each has slightly different options that may steer you one way or another. The data below breaks down some of the different features shoppers can expect to find with each one.