Best Cheap Insurance Quotes for a Toyota Highlander in Connecticut

Buying the cheapest car insurance for a Toyota Highlander in Connecticut hinges on a lot of different factors such as how far you drive to work, if you are currently insured, and citations or violations on your driving record. Connecticut drivers on average will pay $1,320 each year to buy insurance for a Toyota Highlander, but that cost is a ballpark figure based on rate data for a 30-year-old single male driver that wants full comprehensive and collision coverage and $250 policy deductibles.

But there is a high probability that you’re not a 30-year-old male, you might be married instead of single, or maybe you live in a different part of Connecticut than the example. What people think is a minor change in rating factors can result in a massive change in how much coverage for a Toyota Highlander costs.

There is no “one size fits all” policy, so the only real way to find the cheapest coverage for your Toyota is to shop your policy around at every renewal. Quotes only take a couple of minutes and you will receive price comparisons from the cheapest companies in Connecticut.

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Vehicle trim level impacts the yearly cost, so the price you pay to insure a Highlander 2WD model will be $238 cheaper than the insurance cost for the higher-priced Highlander Hybrid Limited 4WD version, as shown by the rates below.

Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Connecticut minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Table data does not factor in your specific Connecticut location which can lower or raise coverage rates greatly.

Choosing the best car insurance provider is difficult considering how many companies there are to choose from in Connecticut. The ranking information shown below could help you decide which car insurance companies you want to consider when shopping around. The ratings below are for companies with a national presence, so companies that have a smaller presence are not taken into consideration for these rankings.

Top 10 Major Car Insurance Companies in Connecticut Ranked by A.M. Best Rating

1. GEICO – A++
2. Travelers – A++
3. State Farm – A++
4. USAA – A++
5. Esurance – A+
6. Allstate – A+
7. Nationwide – A+
8. Progressive – A+
9. The Hartford – A+
10. The General – A-

Top Companies for Toyota Highlander Insurance in Connecticut

The example below illustrates how choosing a deductible can change insurance premiums when getting quotes for cheap insurance for a Toyota Highlander. The costs are based on a single female driver, full physical damage coverage, and no discounts are applied to the premium.

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A 40-year-old driver could cut expenses by $338 a year by increasing from a $100 deductible up to a $500 deductible, or save $512 by choosing a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could reduce their rates up to $858 annually just by using higher deductibles. When increasing deductibles, it is necessary to have plenty of savings on hand to enable you to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Cheapest Toyota Highlander insurance quotes

Thanks to technology, there are a lot of ways to find cheap car insurance in Connecticut, but the most prevalent methods are from an exclusive insurance agent such as Allstate or Liberty Mutual, an independent insurance agent, or direct from companies such as Progressive or Geico. Each way has the same basic steps, but car insurance shoppers should know the differences in how they provide rate quotes.

Independent agents are appointed by several companies and can provide price quotes from every one. Agents of this type can get prices from more than one company, which may provide you with the best chance of saving money. If your agent finds a cheaper company, the agent simply finds a different carrier and you do not have to find a new agent.

An exlusive, or captive, agency is only able to quote your policy with just one company, two of the more popular are a State Farm or Allstate agent. They are unable to quote prices from more than a single company, so you might not find the best rates.

The last way is buying direct, which means you bypass an agent and instead buy from a direct company like Esurance. This option is a good choice for drivers who do not have a need for a risk management assessment and have a decent understanding of the limitations of their policy.

Which method works best for finding the best cheap insurance for a Toyota Highlander in Connecticut? Most people assume that buying from a direct car insurance company results in the best prices since there is no need to pay agent commissions, but that is generally not the case. We could also assume that buying car insurance from an independent agent is the best way since they can quote with many companies, but again, that’s not a true statement. And sometimes, exclusive agents may have very competitive prices well below independent agents AND direct companies.

Since car insurance rates vary so much, really the best method to get the cheapest rates is to get quotes and compare. To find the best rates, be sure to get price quotes from all three to have the best rate selection. For a list of car insurance companies with low rates, click here to view.

How to get the best cheap insurance for a Toyota Highlander in Connecticut

Below you’ll find some thrifty ideas that can help you get low-cost car insurance.

• Buying home and auto insurance together can earn discounts
• Save money by staying claim-free
• Violations like speeding or DUI increase rates
• Raise your deductibles
• Avoid accidents and claims
• Better credit rating means better rates
• Compare price quotes at least once a year

The last item on the list is highly vital, as was affirmed in this piece. Auto insurance rates in Connecticut can be adjusted at any time, so don’t be unwilling to change insurance companies if a better deal can be had. Brand loyalty is not necessarily bad, but we do not recommend it if that loyalty ends up costing thousands of dollars over several years. Spend a few minutes and compare rates and find cheaper auto insurance for a Toyota Highlander.