Cheap Insurance for a Toyota Highlander in Washington

The chances of buying the cheapest auto insurance for a Toyota Highlander in Washington is dependent upon a whole bunch of rating criteria like the mileage of your daily commute, whether you have good credit, and if you have a history of accidents. Drivers in Washington pay on average $650 each year for Highlander insurance, but that price is a ballpark figure based on a 50-year-old married female driver that includes full comprehensive and collision coverage and $1,000 physical damage deductibles.

When estimating a car insurance rate like we just did, the issue is that you are not exactly 50 years old and possibly not even female, you might be single instead of married, and you possibly have other drivers on your policy that need factored in. Changing even a minor factor in the rating input factors can cause big changes in the rate quoted for a Toyota Highlander.

There is no one cookie-cutter policy that works for everyone, so your best chance at finding affordable rates for your Toyota is to regularly compare rates at renewal. In just a couple of minutes you can get prices from the best companies available.

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Your Toyota’s trim level can impact the insurance rate, so the price you pay to insure a Highlander 2WD trim level will be $100 cheaper than the cost to insure the more costly Highlander Hybrid Limited 4WD trim level, as shown by the rates below.

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Rate quotes do not factor in specific Washington garaging location which can increase or decrease prices substantially.

Locating cheap insurance is not the easiest thing to accomplish, and deciding which companies offer the best auto insurance rates for a Toyota Highlander calls for more quotes for comparison. Each insurer has a unique formula to set policy rates, so let’s rank the auto insurance companies with the overall cheapest rates in Washington.

It’s important that readers know that Washington auto insurance rates are influenced by many factors that will increase or decrease the cost of coverage. Simply having another birthday, buying higher coverage limits, or getting a few speeding tickets may cause policy rate changes that may make certain companies more expensive than before.

Lowest Insurance Price Quotes for Your Highlander

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Capital may offer some of the lowest car insurance rates in Washington at around $761 each year. Grange, Nationwide, PEMCO, and Travelers also rank well as some of the most economical Washington car insurance companies.

As the rates illustrate above, if you are a policyholder with PEMCO and switched to Grange, you may see an annual savings of in the vicinity of $161. Insureds with Travelers might save as much as $195 a year, and The Hartford customers might see rate reductions of $235 a year.

If you would like to find cheap insurance for a Toyota Highlander in Washington, click here to start a quote or click several companies below for low rates.

It’s important to note that these policy prices are averaged for all types of insureds and vehicles and and are not figured with a specific rating modification for a Toyota Highlander. So the insurer that can offer you the lowest price may not even be included in the list above. That underscores the importance of why you need to compare as many prices as possible using your own driver and vehicle profiles.

How to get discounts on Washington auto insurance rates

Car insurance companies that provide cheap insurance for a Toyota Highlander in Washington may provide policy discounts that can lower rates by as much as 35% if you are eligible to receive them. Large auto insurance companies and a partial list of their discounts are:

• Progressive offers discounts for good student, online signing, online quote discount, continuous coverage, multi-policy, multi-vehicle, and homeowner.
• SAFECO offers premium reductions for accident prevention training, safe driver, bundle discounts, anti-lock brakes, teen safety rewards, teen safe driver, and homeowner.
• American Family offers discounts including multi-vehicle, good driver, good student, Steer into Savings, and mySafetyValet.
• MetLife has savings for multi-policy, good student, claim-free, accident-free, good driver, defensive driver
• GEICO may include discounts for multi-policy, federal employee, anti-theft, anti-lock brakes, seat belt use, and driver training.
• The Hartford may have discounts that include vehicle fuel type, bundle, driver training, good student, anti-theft, and air bag.

The illustration below visualizes the comparison of auto insurance rates with and without discounts being applied to the rates. The premium estimates are based on a male driver, no accidents, no driving violations, Washington state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with marriage, defensive driving course, multiple policy, claim-free, vehicle safety, and anti-theft discounts applied. When drivers take advantage of discounts, the the average yearly reduction on auto insurance for a Toyota Highlander is 28% or $565.

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Best rates: Allstate, State Farm, Progressive, or Geico

If you are looking for the best insurance for a Highlander in Washington, four good companies to start with are Allstate, State Farm, Progressive, and Geico. When added together, they insure 48.5% of the entire U.S. auto insurance market. They all have the same basic coverages, but each one has different optional coverages and features that drivers can select from. The table below illustrates pricing and service ratings, plus some optional coverages offered by each company.