Toyota Highlander Insurance Rate Quotes in Houston

How long has it been since you shopped around for lower-priced car insurance rates in Houston, TX? Houston buyers have options when searching for affordable Toyota Highlander insurance. You can either spend your time struggling with agents to compare prices or leverage the internet to compare rates.

There is a better way to compare car insurance rates so we’re going to tell you the best way to compare rates on a Toyota and get the lowest possible price from Houston insurance agents and online providers.

Cheap Toyota insurance price quotes in Houston

The following companies provide price quotes in Texas. If multiple companies are shown, we recommend you visit two to three different companies in order to find the most affordable rates.

Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Prices do not factor in garaging location in Houston which can lower or raise auto insurance rates considerably.

Higher deductibles save money

The hardest decision when buying coverage is the level to set your comp and collision deductibles. The tables below illustrate the differences in price between low and high physical damage deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second rate table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Prices do not factor in vehicle garaging location which can revise prices significantly.

Using the data above, we can ascertain that using a $250 deductible could cost the average driver approximately $16 more each month or $192 each year than buying the higher $500 deductible. Since you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you usually have more than 16 months between claim filings, you would more than likely save some money by selecting a higher deductible.

Determine discounts on Houston auto insurance

Some companies don’t always list the entire discount list in an easy-to-find place, so the following list contains both the well known as well as the least known savings tricks you should be using when you buy Houston auto insurance online. If you don’t get every credit possible, you are not getting the best rate possible.

• Passive Restraint Discount – Options like air bags can receive discounts of up to 25% or more.
• Anti-theft Discount – Cars and trucks equipped with anti-theft or alarm systems are less likely to be stolen so companies will give you a small discount.
• Fewer Miles Equal More Savings – Driving less can earn lower prices due to less chance of an accident.
• Early Renewal Discounts – A few insurance companies give discounts for switching to them before your current Highlander insurance policy expires. This can save 10% or more.
• Senior Discount – Mature drivers are able to get a slight reduction on a Houston auto insurance quote.
• Policy Bundle Discount – If you combine your homeowners and auto policies and insure them with the same company you could get a discount of up to 20% and get you cheap Highlander insurance.
• Professional Memberships – Joining a qualifying organization is a good way to get lower rates on your next renewal.
• Discount for Home Ownership – Owning a home in Houston may earn you a small savings since home ownership is proof that your finances are in order.

Consumers should know that most discount credits are not given to the entire cost. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, it doesn’t quite work that way.

To see a list of companies that provide some of the discounts listed above in Texas, click here.

Lower the Price of Auto Insurance with These Tips

A large part of saving on auto insurance is knowing some of the things that are used to determine your policy premiums. If you know what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may result in cheaper rates. Lots of things are used in the calculation when pricing auto insurance. Some are pretty understandable such as your driving record, although others are less obvious such as whether you are married or how safe your car is.

The factors shown below are some of the major factors companies use to determine prices.

• High credit scores save money – An insured’s credit score factor in determining premium rates. Insureds that have very high credit ratings tend to file fewer claims than drivers with lower credit ratings. Therefore, if your credit can use some improvement, you could be paying less to insure your Toyota Highlander if you improve your credit rating.
• With age comes responsibility – Mature drivers are viewed as being more responsible, file fewer claims, and are safer drivers.Beginning drivers are statistically shown to be inattentive behind the wheel so auto insurance rates are higher.
• Where you reside – Being located in areas with lower population may provide you with better prices when talking about auto insurance. Residents of big cities tend to have more road rage incidents and more severe claims. Fewer drivers means fewer accidents in addition to fewer liability claims.
• Vocation can influence rates – Did you know that where you work can have an impact on rates? Careers such as military personnel, airline pilots, and stock brokers are shown to have higher average rates attributed to stressful work requirements and extremely grueling work hours. On the flip side, professions such as actors, athletes and homemakers pay lower than average rates.
• Save money with higher deductibles – Physical damage deductibles represent how much money you are required to pay if the claim is covered. Physical damage insurance, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some examples of claims that would be covered could be colliding with a stationary object, damage caused by hail, and damage from wind. The more of the claim you choose to pay out-of-pocket, the less your auto insurance will be.
• Are men or women drivers cheaper? – Over the last 50 years, statistics have shown that females tend to be a little less risky than males. However, this does not mean men are worse drivers. Men and women are in fender benders at about the same rate, but guys cause more damage. Not only are claims higher, but men get higher numbers of serious violations like DWI (DUI) or reckless driving.
• Toyota Highlander statistical loss data – Insurers use past loss statistics for each vehicle to determine a rate that will be profitable for them. Models that tend to have higher losses will cost more to insure. The table below shows the historical insurance loss data for Toyota Highlander vehicles.

  For each policy coverage type, the loss probability for all vehicles combined as an average is a value of 100. Percentages below 100 imply a favorable loss record, while numbers shown that are more than 100 indicate higher probability of having a loss or an increased likelihood of larger losses.

  Toyota Highlander Insurance Loss Statistics

  Specific Toyota 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
  Statistics from IIHS.org for 2013-2015 Model Years

When do I need to get advice from a local insurance agent?

Some people would rather sit down with an agent and that is OK! Licensed agents can make sure you are properly covered and give you someone to call. An additional benefit of comparing insurance prices online is that you can obtain the best rates and still choose a local agent. Buying from small agencies is important particularly in Houston.

After completing this short form, the coverage information is immediately sent to local insurance agents who will return price quotes to get your business. You don’t have to visit any agencies because prices are sent to you directly. If you have a need to get a comparison quote for a specific company, you can always navigate to their website to submit a rate quote request.

Exclusive and independent Houston car insurance agents

If you are wanting to purchase auto insurance from a reputable insurance agent or broker, there are two different types of agencies from which to choose. Houston agents are classified as either independent agents or exclusive agents. Either type can properly insure your vehicles, but it’s a good idea to understand how they are different since it may influence the type of agent you choose.

Independent Auto Insurance Agents (or Brokers)

Agents that elect to be independent often have affiliation with several companies and that enables them to quote your coverage through lots of different companies and find you cheaper rates. If they quote lower rates, the agent simply finds a different carrier and you don’t have to switch agencies.

When searching for an agent, you absolutely need to compare quotes from at a minimum one independent agency in order to compare the most rates. Most also write with smaller companies which could offer lower prices.

Listed below is a small list of independent insurance agencies in Houston that may be able to provide free auto insurance quotes.

• Hallmark Insurance Agency Inc
  12337 Jones Rd – Houston, TX 77070 – (281) 894-8200 – View Map
• Dean and Draper Insurance Agency, LP
  3131 W Alabama St #150 – Houston, TX 77098 – (713) 527-0444 – View Map
• Moon Insurance Agency
  360 FM 1959 – Houston, TX 77034 – (281) 484-8320 – View Map

View more agents

Exclusive Auto Insurance Agencies

These type of agents have only one company to place business with such as Farmers Insurance, American Family, State Farm and Allstate. These agents are not able to compare other company’s rates so always compare other rates. Exclusive agents are well trained on their products and sales techniques and that allows them to sell at a higher price point. A lot of people purchase coverage from exclusives mainly due to the prominent brand name and the convenience of having all coverages with one company.

Listed below is a short list of exclusive insurance agencies in Houston that can give you comparison quotes.

• State Farm: Al Johnson
  8121 Broadway St #230 – Houston, TX 77061 – (281) 481-5778 – View Map
• Donald Malveaux – State Farm Insurance Agent
  12001 Richmond Ave #6 – Houston, TX 77082 – (281) 679-7155 – View Map
• Bob Goodwin – State Farm Insurance Agent
  1616 Clear Lake City Blvd #107 – Houston, TX 77062 – (281) 486-9100 – View Map

View more agents

Picking an insurance agency requires you to look at more than just a cheap price. Any agent in Houston should be willing to answer these questions.

• If independent agents, which companies do they recommend?
• How many years of experience in personal auto insurance do they have?
• Are claim adjusters local or do you have to take your car somewhere else?
• Who is covered by the car insurance policy?
• What is the agency’s Better Business Bureau rating?
• By raising physical damage deductibles, how much would you save?
• Do they receive special compensation for putting your coverage with one company over another?

After receiving positive responses to any questions you may have and a low price estimate, you have narrowed it down to an insurance agency that is a good match to insure your vehicles.

In the end, you can save money

When searching for affordable Toyota Highlander insurance quotes, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many instances, an insured dropped uninsured motorist or liability limits to discover at claim time that the small savings ended up costing them much more. Your objective should be to buy enough coverage at the best possible price, not the least amount of coverage.

Low-cost Toyota Highlander insurance in Houston can be found online as well as from insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies may not provide the ability to get a quote online and these regional insurance providers sell through independent agents.

Consumers switch companies for any number of reasons including high prices, delays in responding to claim requests, denial of a claim and even high rates after DUI convictions. Regardless of your reason, choosing a new insurance company is not as difficult as it may seem.

More detailed car insurance information is available in the articles below:

• Auto Insurance FAQ (Farmers Insurance)
• How Much are Auto Insurance Quotes for Veterans in Houston? (FAQ)
• Who Has Affordable Houston Auto Insurance Rates for Drivers Requiring a SR22? (FAQ)
• Speed and Speed Limit FAQ (iihs.org)
• Get the Right Protection (InsureUonline.org)