Toyota Highlander Insurance Quotes in Dallas

Insurance for Toyota HighlanderPaying for pricey Toyota Highlander insurance in Dallas can bleed your personal savings and force you to cut corners elsewhere.

Sadly, most auto insurance buyers have purchased from the same company for a minimum of four years, and practically 40% of auto insurance customers have never compared auto insurance rates at all. Drivers in Dallas could save an average of as much as 70% each year by just shopping around, but they just feel it’s too hard to do a rate comparison. Multiple auto insurance companies compete for your insurance dollar, so it can be very hard to choose a company to get the lowest price on Toyota Highlander insurance in Dallas.

If you have a current auto insurance policy or just want to reduce your rates, you will benefit by learning to find the best rates without reducing coverage. Locating the best insurance company for you in Dallas is actually very simple if you learn how to start. Smart shoppers only have to learn the most efficient way to shop online from multiple companies.

The companies shown below have been selected to offer comparison quotes in Texas. If more than one company is shown, we suggest you click on several of them to find the lowest auto insurance rates.

Toyota Highlander coverage statistics

The rate information displayed next outlines a range of policy rates for Toyota Highlander models. Learning more about how insurance premiums are figured can help customers make decisions when shopping around.

Toyota Highlander Insurance Rates in Dallas, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $218 $302 $392 $24 $118 $1,054 $88
Highlander 4WD $246 $368 $392 $24 $118 $1,148 $96
Highlander Sport 4WD $246 $368 $392 $24 $118 $1,148 $96
Highlander SE 2WD $246 $368 $392 $24 $118 $1,148 $96
Highlander Sport 2WD $246 $368 $392 $24 $118 $1,148 $96
Highlander Limited 2WD $274 $434 $392 $24 $118 $1,242 $104
Highlander SE 4WD $274 $434 $392 $24 $118 $1,242 $104
Highlander Limited 4WD $274 $434 $392 $24 $118 $1,242 $104
Highlander Hybrid 4WD $274 $434 $392 $24 $118 $1,242 $104
Highlander Hybrid Limited 4WD $274 $434 $392 $24 $118 $1,242 $104
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Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rates do not factor in your specific Dallas location which can lower or raise premium rates considerably.

Drive safe and save

The illustration below illustrates how traffic citations and accident claims can drive up Toyota Highlander insurance costs for different ages of insureds. The data is based on a single male driver, full coverage, $1,000 deductibles, and no discounts are factored in.

Full coverage versus liability only rates

The information below illustrates the difference between Toyota Highlander insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The information is based on a clean driving record, no claims, $500 deductibles, single status, and no discounts are applied.

When to drop comprehensive and collision

There isn’t a written rule of when to stop paying for comp and collision coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.

For example, let’s say your Toyota Highlander replacement cost is $6,000 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $5,000 after the policy deductible has been paid. If you are paying in excess of $500 a year for your policy with full coverage, then it might be time to consider dropping full coverage.

There are a few cases where dropping physical damage coverage is not a good plan. If you haven’t satisfied your loan, you have to carry full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

Get cheaper Toyota Highlander insurance rates in Dallas

Insuring your vehicles can cost a lot, but companies offer discounts to reduce the price significantly. Certain reductions will be credited at the time of purchase, but less common discounts must be asked for before you get the savings.Discount auto insurance

Just know that most of the big mark downs will not be given to the entire cost. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think you could get a free auto insurance policy, insurance companies wouldn’t stay in business. Any amount of discount will reduce your overall bill.

The information below illustrates the comparison of Toyota Highlander insurance costs with and without discounts applied to the policy premium. The price estimates are based on a female driver, a clean driving record, no claims, Texas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, marriage, multi-car, multi-policy, and safe-driver discounts applied.

If you would like to see a list of auto insurance companies with significant discounts in Texas, follow this link.

Why car insurance is not optional

Despite the high cost of buying insurance for a Toyota Highlander in Dallas, insurance serves an important purpose.

The benefits of having insurance definitely exceed the price paid, especially for larger claims. According to a survey of 1,000 drivers, the average driver overpays as much as $825 a year so it’s important to compare rates every year to make sure the price is not too high.

Car insurance agents can help

Certain consumers would rather visit with an insurance agent and often times that is recommended Licensed agents are highly skilled in risk management and help file insurance claims. An additional benefit of getting free rate quotes online is that drivers can save money and get the best rates and still have an agent to talk to. Supporting local agencies is important particularly in Dallas.

Insurance agency in DallasTo help locate an agent, after submitting this quick form, the coverage information is submitted to insurance agents in Dallas who want to provide quotes for your business. You won’t need to do any legwork because prices are sent to you directly. If you want to quote rates from a specific company, you can always visit that company’s website and submit a quote form there.

Two types of auto insurance agents

When searching for a local Dallas insurance agent, you must know there are a couple types of agencies to choose from. Insurance agencies are categorized either independent (non-exclusive) or exclusive. Either one can sell insurance policies, but it is important to understand the difference between them since it may influence which agent you choose.

Independent Insurance Agents

Agents that elect to be independent do not work for one specific company and that allows them to write policies with an assortment of companies and find you cheaper rates. If they find a cheaper price, your agent can switch companies which makes it simple for you. If you need cheaper insurance rates, you absolutely need to compare prices from at least one independent agent in order to compare the most rates.

Featured below is a partial list of independent agents in Dallas that may be able to give you free price quotes.

12900 Preston Rd #500Dallas, TX 75230(972) 387-8646View Map

6500 Greenville Ave #680Dallas, TX 75206(214) 823-2653View Map

3021 Lombardy Ln #101Dallas, TX 75220(469) 341-7831View Map

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Exclusive Insurance Agents

Exclusive agencies can only place business with one company like Farmers Insurance, Allstate, or State Farm. Exclusive agencies are unable to give you multiple price quotes so keep that in mind. These agents are usually quite knowledgeable on their company’s products and that enables them to sell even at higher rates.

Shown below is a short list of exclusive agents in Dallas that can give you comparison quotes.

3767 Forest Ln #107Dallas, TX 75244(972) 243-8894View Map

10455 N Central Expy Ste 105Dallas, TX 75231(214) 987-2886View Map

8330 Abrams Rd #104Dallas, TX 75243(214) 341-3050View Map

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Picking an auto insurance agent should depend on more than just a cheap price quote. These are some valid questions you should ask.

If you get good feedback and a low price estimate, most likely you have located a car insurance agent that meets the requirements to insure your vehicles.