Toyota Highlander Insurance Quotes in Atlanta

Scraping up a payment for pricey Toyota Highlander insurance in Atlanta can deplete your personal savings and force you to make sacrifices.

It’s shocking but the majority of drivers have stayed with the same insurance company for at least four years, and nearly the majority have never taken the time to shop around. With the average auto insurance premium being $1,722, Atlanta drivers could save an average of roughly 60% each year by just comparing quotes, but they just don’t want to save money by comparing rate quotes.

Lots of insurance companies contend for your business, so it’s not easy to compare every insurer and uncover the absolute lowest rate possible on Toyota Highlander insurance in Atlanta.

When quoting insurance, remember that comparing all the rates in your area will improve the odds of getting more affordable insurance.

The companies in the list below are ready to provide quotes in Atlanta, GA. If the list has multiple companies, we recommend you visit as many as you can in order to get a fair rate comparison.

Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Estimates do not factor in your specific Atlanta location which can lower or raise rates noticeably.

Toyota Highlander insurance rates by gender

The example below illustrates the difference between Toyota Highlander yearly insurance costs for male and female drivers. The costs are based on no violations or accidents, full coverage, $100 deductibles, marital status is single, and no discounts are factored in.

Safe drivers pay less for car insurance

The information below demonstrates how speeding tickets and at-fault claims raise Toyota Highlander annual premium costs for each different age group. The price estimates are based on a single male driver, full coverage, $250 deductibles, and no discounts are taken into consideration.

Physical damage deductibles

One of the hardest decisions when shopping for car insurance is at what level do you set your deductibles. The data tables below determine how much more rates are between high and low deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Table data does not factor in specific location which can influence rates noticeably.

Using the premium rates above, we can conclude that using a $250 deductible will cost in the ballpark of $30 more each month or $360 for a full year than requesting the higher $1,000 deductible. Since you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 25 months between claims, you would save more money if you choose the higher deductible.

Cheap Toyota Highlander insurance quotes in Atlanta

Not too many consumers would say car insurance is affordable, but there could be available discounts to help offset the cost. Most are applied when you purchase, but lesser-known reductions have to be asked about prior to receiving the credit.

• Discount for Multiple Policies – When you have multiple policies with the same insurance company you could earn a discount of approximately 10% to 15%.
• Safe Drivers – Insureds who avoid accidents can pay as much as 50% less compared to rates paid by drivers with frequent claims.
• Discount for Low Mileage – Low annual miles can qualify you for discounted rates on garaged vehicles.
• New Car Discount – Buying insurance coverage on a new vehicle can get you a discount since newer vehicles have better safety ratings.
• ABS Braking Discount – Cars with ABS and/or traction control are much safer to drive and therefore earn up to a 10% discount.
• Multi-line Discount – Car insurance companies who offer life insurance give a small discount if you purchase auto and life insurance together.

You should keep in mind that most of the big mark downs will not be given to the entire policy premium. Most only cut the cost of specific coverages such as liability and collision coverage. Just because you may think it’s possible to get free car insurance, you won’t be that lucky.

A list of car insurance companies and some of the premium reductions they offer are:

• Progressive offers discounts for multi-policy, continuous coverage, good student, homeowner, multi-vehicle, and online signing.
• MetLife discounts include multi-policy, good driver, good student, defensive driver, accident-free, claim-free
• Mercury Insurance includes discounts for low natural disaster claims, ease of repair, good driver, multi-car, and type of vehicle.
• Nationwide may have discounts that include family plan, good student, accident-free, Farm Bureau membership, business or organization, anti-theft, and defensive driving.
• GEICO offers discounts including driver training, membership and employees, seat belt use, defensive driver, good student, and anti-theft.
• AAA may offer discounts for multi-car, AAA membership discount, anti-theft, good driver, good student, and education and occupation.

Before purchasing a policy, check with every company which credits you are entitled to. Some of the earlier mentioned discounts may not be offered in your area. For a list of companies that have a full spectrum of discounts in Atlanta, follow this link.

Why Smart Buyers Pay Less for Toyota Highlander Insurance

A large part of saving on auto insurance is knowing the factors that play a part in calculating your auto insurance rates. When consumers understand what influences your rates, this helps enable you to make changes that could help you find big savings.

• Don’t skimp on liability – A critical coverage on your policy, liability insurance will protect you if a jury decides you are liable for causing personal injury or damage in an accident. It will provide legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
• Rates can drop if you have more than one policy – Most insurers apply a discount to customers that have more than one policy, otherwise known as a multi-policy discount. Even if you qualify for this discount already, you may still want to compare other company rates to ensure the best deal.
• Tickets and citations cost more than a fine – Getting just one speeding ticket can increase the cost of insurance twenty percent or more. Drivers who don’t get tickets get better prices compared to drivers with tickets. Drivers unfortunate enough to have dangerous violations such as DUI or reckless driving are required to submit a SR-22 form to the state department of motor vehicles in order to legally drive.
• Premiums are lower the older you get – Teen drivers in Georgia are proven to be inattentive when driving therefore auto insurance rates are much higher. If you’ve ever had to add a youthful driver to your policy will cause a huge premium hike. Older, more experienced drivers are shown to be more cautious, statistically cause fewer accidents, and are safer drivers.
• Men drivers tend to cost more – The statistics show that females take fewer risks when driving. That doesn’t necessarily mean that women are better drivers. Both sexes cause auto accidents in similar percentages, but the men cause more damage. Men also statistically receive more costly citations such as reckless driving.
• No policy lapses lowers premiums – Allowing your auto insurance policy to lapse can be a guaranteed way to trigger a rate increase. Not only will you pay higher rates, getting caught without coverage may result in a fine, jail time, or a revoked license. You could then be forced to submit proof of financial responsibility or a SR-22 with the Georgia motor vehicle department to get your license reinstated.
• Loss probability for a Toyota Highlander – Insurance companies analyze claim trends for every vehicle when determining insurance costs. Models that the data shows to have higher number or severity of losses will have higher rates for specific coverages. The table below outlines the loss history for Toyota Highlander vehicles.

  For each policy coverage type, the statistical loss for all vehicles, regardless of manufacturer or model, is represented as 100. Numbers below 100 mean the vehicle has better than average losses, while values over 100 show a trend for more claims or a tendency for claims to be larger.

  Auto Insurance Loss Data for Toyota Highlander Models

  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: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Exclusive versus independent auto insurance agents

A lot of people just prefer to sit down and talk to an agent and that can be a smart move One of the best bonuses of getting online price quotes is that you can find the lowest rates and still buy from a local agent. Buying insurance from local insurance agencies is definitely important in Atlanta.

For easy comparison, once you complete this short form, the coverage information is submitted to agents in your area who will give you quotes for your business. It makes it easy because there is no need to visit any agencies due to the fact that quote results will go to the email address you provide. You’ll get the best rates without requiring a lot of work. If you need to compare rates for a specific company, you just need to jump over to their website and complete a quote there.

What type of Atlanta auto insurance agent is right for you?

If you prefer to buy car insurance from an insurance agent, it’s important to understand the types of agencies and how they are slightly different. Car insurance agents in Atlanta can either be exclusive or independent agents depending on their company appointments.

Independent Car Insurance Agencies or Brokers

Agents that elect to be independent are not employed by one company so they can insure your vehicles with multiple insurance companies and get the cheapest rates. If you want to switch companies, they can switch companies in-house and you don’t have to do anything.

When comparing car insurance prices, you should always check rates from a couple of independent agencies so that you can do a thorough price comparison.

Listed below is a small list of independent insurance agents in Atlanta that can possibly get you free price quotes.

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Exclusive Agencies

Exclusive insurance agents write business for a single company and some examples include Allstate, Farmers Insurance or State Farm. Exclusive agents cannot shop your coverage around so you might not find the best rates. Exclusive insurance agents are usually well trained on their products and sales techniques which aids in selling service over price.

Shown below are Atlanta exclusive agents who can help you get comparison quotes.

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Choosing an insurance agency should depend on more than just a cheap price quote. Here are some questions you might want to ask.

• Will one accident increase rates?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• Are there any discounts for paying up front?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• Is the agency active in community causes in Atlanta?
• Who is covered by the car insurance policy?

Save 15 percent in 15 minutes? Is it for real?

Respected companies like Progressive, GEICO, Allstate and State Farm consistently run ads in print and on television. They all seem to make the point that you can save if you change to their company. How is it plausible that every one can claim to save you money? This is the trick they use.

Insurance providers look for specific characteristics for the driver that will generate a profit. For instance, this type of risk profile may need to be between 25 and 40, has a low-risk occupation, and has excellent credit. Any new insured who fits those characteristics will probably get the lowest rates and therefore will save quite a bit of money when switching.

Drivers who don’t measure up to this ideal profile will be charged a more expensive rate which results in the customer buying from someone else. The trick companies use is to say “drivers that switch” not “everyone who quotes” save that much money. That is how companies can truthfully claim big savings.

This really emphasizes why you really need to do a rate comparison at every renewal. You cannot predict with any certainty which company will give you lower prices than your current company.

Don’t give up on affordable coverage

Affordable Toyota Highlander insurance in Atlanta can be purchased online and also from your neighborhood Atlanta agents, so you need to quote Atlanta car insurance with both in order to have the best chance of saving money. Some insurance providers don’t offer online price quotes and these regional insurance providers work with independent insurance agencies.

You just learned some good ideas how to save on Toyota Highlander insurance in Atlanta. The key concept to understand is the more providers you compare, the higher the chance of saving money. Consumers could even find that the best premium rates are with an unexpected company. Regional companies may cover specific market segments cheaper compared to the large companies like Allstate, GEICO and Progressive.

Even more information can be read at these sites:

• Auto Insurance Learning Center (State Farm)
• Who Has Affordable Atlanta Auto Insurance Rates for Safe Drivers? (FAQ)
• Who Has Affordable Auto Insurance Quotes for a Toyota RAV4 in Atlanta? (FAQ)
• How Much are Auto Insurance Rates for 17 Year Olds in Atlanta? (FAQ)
• Understanding Your Insurance Deductible (Insurance Information Institute)
• Auto Crash Statistics (Insurance Information Institute)
• How to shop for a safer car (Insurance Institute for Highway Safety)