Insurance for Toyota HighlanderAre you looking for low-cost car insurance rates in Baltimore, MD? Baltimore buyers have many options when searching for the best price on Toyota Highlander insurance. You can either spend your time struggling with agents trying to get quotes or utilize the internet to find the lowest rates.

There is a right way and a wrong way to buy car insurance so we're going to tell you the best way to compare rates for your Toyota and obtain the lowest possible price.

It's smart to compare rates at least once a year since prices change quite often. Despite the fact that you may have had the lowest price on Toyota Highlander insurance in Baltimore a couple years back you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because we're going to demonstrate the best way to find better coverage on Toyota Highlander insurance in Baltimore at a better price.

The purpose of this article is to help you learn the most effective way to quote insurance and some tips to save money. If you're already insured, you stand a good chance to be able to find better prices using the techniques presented in this article. Shoppers just need to use the proper way to quote multiple rates from many different companies online.

The car insurance companies shown below can provide free rate quotes in Maryland. If more than one company is shown, we suggest you click on several of them to get the most competitive price.

Toyota Highlander Insurance Rates in Baltimore, MD
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $220 $344 $458 $28 $138 $1,188 $99
Highlander 4WD $276 $450 $390 $24 $116 $1,256 $105
Highlander Sport 4WD $250 $332 $532 $32 $160 $1,306 $109
Highlander SE 2WD $224 $362 $390 $24 $116 $1,116 $93
Highlander Sport 2WD $344 $518 $414 $24 $124 $1,424 $119
Highlander Limited 2WD $210 $384 $426 $26 $128 $1,174 $98
Highlander SE 4WD $340 $642 $458 $28 $138 $1,606 $134
Highlander Limited 4WD $340 $642 $458 $28 $138 $1,606 $134
Highlander Hybrid 4WD $342 $632 $390 $24 $116 $1,504 $125
Highlander Hybrid Limited 4WD $338 $618 $382 $22 $114 $1,474 $123
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Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Maryland minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Prices do not factor in specific location information which can change premium rates considerably.

Auto insurance prices based on gender

The example below illustrates the difference between Toyota Highlander premium costs for male and female drivers. The rates are based on no violations or accidents, full physical damage coverage, $250 deductibles, marital status is single, and no discounts are applied to the premium.

How high should deductibles be?

When comparing auto insurance rates, the most common question is where to set your physical damage deductibles. The data tables below may help to illustrate the rate difference when you select higher and lower physical damage coverage deductibles. The first data set uses a $100 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.

Toyota Highlander insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $350 $518 $406 $24 $122 $1,445 $120
Highlander 4WD $394 $632 $406 $24 $122 $1,603 $134
Highlander Sport 4WD $394 $632 $406 $24 $122 $1,603 $134
Highlander SE 2WD $394 $632 $406 $24 $122 $1,603 $134
Highlander Sport 2WD $394 $632 $406 $24 $122 $1,603 $134
Highlander Limited 2WD $440 $744 $406 $24 $122 $1,761 $147
Highlander SE 4WD $440 $744 $406 $24 $122 $1,761 $147
Highlander Limited 4WD $440 $744 $406 $24 $122 $1,761 $147
Highlander Hybrid 4WD $440 $744 $406 $24 $122 $1,761 $147
Highlander Hybrid Limited 4WD $440 $744 $406 $24 $122 $1,761 $147
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Toyota Highlander insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $194 $274 $406 $24 $122 $1,020 $85
Highlander 4WD $218 $332 $406 $24 $122 $1,102 $92
Highlander Sport 4WD $218 $332 $406 $24 $122 $1,102 $92
Highlander SE 2WD $218 $332 $406 $24 $122 $1,102 $92
Highlander Sport 2WD $218 $332 $406 $24 $122 $1,102 $92
Highlander Limited 2WD $244 $392 $406 $24 $122 $1,188 $99
Highlander SE 4WD $244 $392 $406 $24 $122 $1,188 $99
Highlander Limited 4WD $244 $392 $406 $24 $122 $1,188 $99
Highlander Hybrid 4WD $244 $392 $406 $24 $122 $1,188 $99
Highlander Hybrid Limited 4WD $244 $392 $406 $24 $122 $1,188 $99
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Rate quotes do not factor in garaging location in Baltimore which can alter insurance rates greatly.

Based on the above data, using a $100 deductible would cost the average driver about $44 more each month or $528 a year than buying the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you go at a minimum 20 months between claims, you would probably save some money if you choose the higher deductible. The illustration below shows how you can make your own decision.

Average monthly premium for $100 deductibles: $139
Average monthly premium for $1,000 deductibles (subtract): - $95
Monthly savings from raising deductible: $44
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $44
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

One big caveat is that increasing deductibles to lower your rates means you will have to pay more at claim time. You must have some non-essential savings in the event you have to pay more for the deductible.

Violations and accidents raise rates

The diagram below demonstrates how traffic citations and fender-benders can drive up Toyota Highlander auto insurance rates for different age categories. The premiums are based on a married female driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.

Auto insurance is an important decision

Despite the high insurance cost for a Toyota Highlander in Baltimore, insurance serves a purpose in several ways.

The benefits of buying auto insurance more than cancel out the cost, especially if you ever need it. The average driver in America is overpaying over $869 every year so you should quote and compare rates each time the policy renews to make sure the price is not too high.

Why Informed Consumers Pay Less for Toyota Highlander Insurance

When buying insurance it's important to understand the rating factors that help determine your premiums. When you understand what influences your rates, this allows you to make good choices that could result in lower insurance prices.

Slash rates with these discounts

Auto insurance is easily one of your largest bills, but there may be some discounts to cut the cost considerably. A few discounts will automatically apply when you get a quote, but a few must be asked about before you will receive the discount.Save money with discounts

One last thing about discounts, most discounts do not apply to the entire policy premium. Most cut the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like adding up those discounts means a free policy, auto insurance companies aren't that generous.

Insurance companies that may offer many of the previously listed discounts include:

When quoting, ask each company the best way to save money. Some discounts might not apply in every state. To find insurers that can offer you the previously mentioned discounts in Baltimore, click here.

Which policy gives me the best coverage?

Keep in mind that when it comes to choosing the right insurance coverage for your personal vehicles, there isn't really a perfect coverage plan. Your situation is unique.Higher deductibles save money

These are some specific questions might point out whether you may require specific advice.

If you're not sure about those questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

Insurance agents can help

Many people still like to visit with an insurance agent and we recommend doing that Most agents are trained to spot inefficiencies and help in the event of a claim. An additional benefit of price shopping on the web is the fact that drivers can get lower prices and also buy local. And supporting local insurance agencies is definitely important in Baltimore.

Baltimore insurance agentsFor easy comparison, once you complete this form (opens in new window), your insurance coverage information is submitted to participating agents in Baltimore that provide free Baltimore auto insurance quotes for your business. It's much easier because you don't need to search for any insurance agencies because prices are sent to you directly. If you need to get a rate quote for a specific company, you would need to visit that company's website and give them your coverage information.

When looking for local Baltimore agents, it can be helpful to understand the different types of agents that you can choose from. Auto insurance agencies are categorized either exclusive or independent agents depending on their company appointments. Both insure your vehicles, but it's important to know how they are different because it can influence your selection of an agent.

Independent Auto Insurance Agencies

Agents in the independent channel are appointed with more than one company and that is an advantage because they can write policies through lots of different companies enabling the ability to shop coverage around. If prices rise, your policy is moved internally and you can keep the same agent. If you are comparing auto insurance prices, you should always get insurance quotes from a few independent agents so that you can do a thorough price comparison. Many independent agencies also insure through less well-known companies which could offer lower prices.

Featured below is a small list of independent insurance agencies in Baltimore who may be able to give you competitive price quotes.

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Exclusive Insurance Agents

Exclusive insurance agents can only quote rates from one company like Allstate and State Farm. Exclusive agents are unable to provide other company's prices so they are skilled at selling on more than just price. They are trained well on their products and sales techniques which aids in selling service over price. Some people will only choose to use an exclusive agent primarily because of the prominence of the brand rather than low price.

Shown below is a short list of exclusive insurance agents in Baltimore that are able to give comparison quotes.

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Finding a good insurance agency shouldn't rely on just a cheap price quote. Here are some questions to ask:

Find affordable rates by being thorough

Some insurance companies may not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents. Cost effective Toyota Highlander insurance is definitely available from both online companies as well as from insurance agents, so you should compare both to have the best rate selection.

As you restructure your insurance plan, never skimp on critical coverages to save a buck or two. In many instances, an insured dropped liability coverage limits and learned later that they should have had better coverage. Your goal should be to get the best coverage possible for the lowest price, but do not sacrifice coverage to save money.

Drivers change insurance companies for a number of reasons such as unfair underwriting practices, poor customer service, delays in responding to claim requests and even extreme rates for teen drivers. Whatever your reason, finding a new car insurance company is actually quite simple.

More detailed car insurance information can be found in the articles below: