If saving the most money is your goal, then the best way to get cheaper Toyota Highlander insurance is to compare quotes annually from providers that insure vehicles in Las Vegas. Price quotes can be compared by following these guidelines.
Step 1: Read about how your policy works and the things you can change to lower rates. Many things that drive up the price such as getting speeding tickets and a negative credit history can be rectified by improving your driving habits or financial responsibility. Keep reading for the details to lower rates and get bigger discounts that may have been overlooked.
Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from a single company like GEICO or Farmers Insurance, while independent agents can provide price quotes from multiple companies. Select a company
Step 3: Compare the new rates to your current policy to see if a cheaper rate is available in Las Vegas. If you find a better price, make sure there is no coverage gap between policies.
Step 4: Provide notification to your current agent or company of your intent to cancel your existing policy and submit payment and a signed application to the new company. When you receive it, place your new proof of insurance paperwork along with your vehicle registration.
A good tip to remember is that you’ll want to make sure you compare the same liability limits and deductibles on every quote request and and to analyze as many carriers as you can. This enables an apples-to-apples comparison and a complete price analysis.
A recent survey discovered that most drivers in Nevada renewed their policy with the same company for four years or more, and 38% of drivers have never compared rates from other carriers. U.S. drivers could save $850 every year just by comparing rates, but they just don’t understand the rate savings if they swap their current policy for a cheaper one.
Getting quotes for the most affordable insurance coverage in Las Vegas is simple if you know the tricks. If you’re already insured or just want cheaper rates, use these tips to reduce premiums without reducing protection. Vehicle owners just need to understand the most time-saving way to compare insurance rates online.
The providers in the list below provide free quotes in Las Vegas, NV. To locate cheap car insurance in NV, we recommend you visit two to three different companies to get the best price comparison.
Get lower-cost rates by taking advantage of these five discounts
Insurance can be prohibitively expensive, but you can get discounts to help offset the cost. Larger premium reductions will be automatically applied when you complete an application, but a few must be specifically requested before they will apply.
- Student in College – Kids who attend college more than 100 miles from Las Vegas and do not have access to a covered vehicle could qualify for this discount.
- Defensive Driver – Participating in a course in defensive driving could save 5% or more and easily pay for the cost of the class.
- Home Ownership Discount – Owning a house in Las Vegas can help you save on insurance due to the fact that maintaining a home is proof of financial responsibility.
- Life Insurance – If the company offers life insurance, you could get better prices if you take out a life policy as well.
- Discount for Swiching Early – Some companies provide a discount for switching to them prior to the expiration date on your current Highlander insurance policy. This can save 10% or more.
It’s important to understand that most discount credits are not given to the whole policy. Some only reduce specific coverage prices like comprehensive or collision. Even though the math looks like you would end up receiving a 100% discount, you’re out of luck.
The illustration below compares Toyota Highlander yearly insurance costs with and without discounts. The information is based on a male driver, no claims or driving citations, Nevada state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, safe-driver, marriage, homeowner, and multi-policy discounts applied.
To locate companies who offer insurance discounts in Las Vegas, follow this link.
Analysis of Toyota Highlander rates
The coverage table displayed below highlights different insurance rates for Toyota Highlander models. Learning a little about how car insurance prices are formulated can help guide drivers when making decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Highlander 2WD | $228 | $386 | $348 | $20 | $104 | $1,086 | $91 |
| Highlander 4WD | $258 | $470 | $348 | $20 | $104 | $1,200 | $100 |
| Highlander Sport 4WD | $258 | $470 | $348 | $20 | $104 | $1,200 | $100 |
| Highlander SE 2WD | $258 | $470 | $348 | $20 | $104 | $1,200 | $100 |
| Highlander Sport 2WD | $258 | $470 | $348 | $20 | $104 | $1,200 | $100 |
| Highlander Limited 2WD | $286 | $554 | $348 | $20 | $104 | $1,312 | $109 |
| Highlander SE 4WD | $286 | $554 | $348 | $20 | $104 | $1,312 | $109 |
| Highlander Limited 4WD | $286 | $554 | $348 | $20 | $104 | $1,312 | $109 |
| Highlander Hybrid 4WD | $286 | $554 | $348 | $20 | $104 | $1,312 | $109 |
| Highlander Hybrid Limited 4WD | $286 | $554 | $348 | $20 | $104 | $1,312 | $109 |
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Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rate quotes do not factor in vehicle garaging location which can raise or lower premiums significantly.
Cautious drivers save money
The diagram below highlights how speeding tickets and at-fault accidents can influence Toyota Highlander yearly insurance costs for different age groups. Data assumes a single female driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.
Car insurance companies ranked
Insuring your vehicle with the best auto insurance company is hard considering how many companies there are to choose from in Nevada. The company rank data displayed below could help you decide which auto insurers to look at comparing rate quotes with.
Top 10 Las Vegas Car Insurance Companies Ranked by Customer Service
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
- Nationwide