Insurance quote for Toyota Highlander in IndianapolisNobody that owns a car rejoices having to buy auto insurance, especially when they are aware that they could get a better deal.

Regrettably, the vast majority of auto insurance customers kept buying from the same company for well over three years, and nearly half have never taken the time to shop around. Consumers in Indianapolis could save roughly 55% each year just by shopping around, but most just don't grasp the amount of savings they would get if they switch to a new company.

You have so many car insurance companies to pick from, and although it's a good thing to have a choice, having more insurance companies makes it harder to compare rates and cut insurance costs.

Locating the best rates in Indianapolis can be made easier if you know where to look. In essence, every person who is shopping for auto insurance stands a good chance to be able to save money. But Indiana vehicle owners must learn the methods companies use to determine what you pay and use it to your advantage.

Companies offering Toyota Highlander insurance in Indianapolis

The companies in the list below offer comparison quotes in Indianapolis, IN. If several companies are displayed, it's highly recommended you click on several of them to get the most competitive price.

Toyota Highlander Insurance Estimates in Indianapolis, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $152 $238 $294 $18 $88 $790 $66
Highlander 4WD $172 $288 $294 $18 $88 $860 $72
Highlander Sport 4WD $116 $190 $264 $16 $80 $666 $56
Highlander SE 2WD $194 $288 $286 $16 $86 $870 $73
Highlander Sport 2WD $268 $502 $340 $20 $102 $1,232 $103
Highlander Limited 2WD $276 $472 $290 $18 $86 $1,142 $95
Highlander SE 4WD $172 $296 $270 $16 $80 $834 $70
Highlander Limited 4WD $272 $430 $280 $16 $84 $1,082 $90
Highlander Hybrid 4WD $222 $348 $280 $16 $84 $950 $79
Highlander Hybrid Limited 4WD $170 $288 $264 $16 $80 $818 $68
Get Your Own Custom Quote Go

Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Price estimates do not factor in specific Indianapolis garaging location which can revise coverage rates noticeably.

Rate comparison of male drivers versus female drivers

The information below visualizes the comparison of Toyota Highlander premium costs for male and female drivers. The costs are based on no accidents, no driving violations, full physical damage coverage, $1,000 deductibles, marital status is single, and no policy discounts are applied.

Analysis of deductible levels

When buying car insurance, a common question is at what level do you set your deductibles. The data tables below show how much more rates are between low and high deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second rate table uses a $500 deductible.

Toyota Highlander insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $216 $300 $280 $16 $84 $921 $77
Highlander 4WD $244 $366 $280 $16 $84 $1,015 $85
Highlander Sport 4WD $244 $366 $280 $16 $84 $1,015 $85
Highlander SE 2WD $244 $366 $280 $16 $84 $1,015 $85
Highlander Sport 2WD $244 $366 $280 $16 $84 $1,015 $85
Highlander Limited 2WD $272 $430 $280 $16 $84 $1,107 $92
Highlander SE 4WD $272 $430 $280 $16 $84 $1,107 $92
Highlander Limited 4WD $272 $430 $280 $16 $84 $1,107 $92
Highlander Hybrid 4WD $272 $430 $280 $16 $84 $1,107 $92
Highlander Hybrid Limited 4WD $272 $430 $280 $16 $84 $1,107 $92
Get Your Own Custom Quote Go
Toyota Highlander insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $176 $242 $280 $16 $84 $798 $67
Highlander 4WD $200 $294 $280 $16 $84 $874 $73
Highlander Sport 4WD $200 $294 $280 $16 $84 $874 $73
Highlander SE 2WD $200 $294 $280 $16 $84 $874 $73
Highlander Sport 2WD $200 $294 $280 $16 $84 $874 $73
Highlander Limited 2WD $222 $348 $280 $16 $84 $950 $79
Highlander SE 4WD $222 $348 $280 $16 $84 $950 $79
Highlander Limited 4WD $222 $348 $280 $16 $84 $950 $79
Highlander Hybrid 4WD $222 $348 $280 $16 $84 $950 $79
Highlander Hybrid Limited 4WD $222 $348 $280 $16 $84 $950 $79
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rates do not factor in the specific area where the vehicle is garaged which can change auto insurance rates significantly.

Based on the above data, using a $250 deductible will cost you roughly $13 more each month or $156 a year than opting for the higher $500 deductible. Due to the fact that you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you normally average more than 19 months between claims, you would probably save some money if you choose the higher deductible.

Impact of violations and accidents on rates in Indianapolis

The information below highlights how speeding tickets and accident claims influence Toyota Highlander insurance rates for each age group. Data assumes a single female driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

Get cheaper rates with discounts

Car insurance is expensive, but there's a good chance there are discounts that many consumers don't even know exist. Some trigger automatically at quote time, but a few must be requested specifically before you will receive the discount.Discount car insurance

Consumers should know that most discounts do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like medical payments or collision. Even though it appears adding up those discounts means a free policy, companies don't profit that way.

Popular car insurance companies and their offered discounts are included below.

If you need lower rates, check with every company what discounts are available to you. Savings may not apply to policyholders everywhere. If you would like to see a list of insurance companies who offer cheap Toyota Highlander insurance quotes in Indiana, click here.

Choices You Make Can Impact Your Insurance Prices

It's important that you understand the different types of things that help calculate the rates you pay for car insurance. When you understand what positively or negatively impacts your premiums, this allows you to make good choices that can earn you big savings.

The items below are some of the items used by insurance companies to determine your prices.

Liability claims can be big - Liability insurance provides coverage when you are found to be at fault for personal injury or accident damage. It provides for a legal defense to attempt to prove you were not liable. Liability is cheap compared to comp and collision, so buy as much as you can afford.

Eliminate extra policy coverages - There are a ton of extra bells and whistles that can waste your money if you don't pay attention. Coverages like replacement cost coverage, accidental death, and motor club memberships may not be needed and are just wasting money. They may seem like a good idea when you first buy your policy, but now you might not need them so think about removing them and cutting costs.

Higher rates for car insurance policy lapses - Having an insurance coverage lapse can be a guaranteed way to bump up your car insurance costs. Not only will rates go up, being ticketed for driving with no insurance may result in a fine, jail time, or a revoked license.

Married people drive safer - Having a significant other actually saves money on your car insurance policy. Having a significant other is viewed as being more financially stable and statistics prove married couples file fewer claims.

You might want pay the small car insurance claims yourself - Insurance companies in Indiana award the best rates to insureds who file claims infrequently. If you file a lot of claims you can look forward to increased rates or even have your policy non-renewed. Your insurance policy is meant to be used in the event of more catestrophic claims.

Insurance loss statistics a Toyota Highlander - Insurers analyze the history of losses as a way to help calculate a profitable premium price. Vehicles that the statistics show to have higher losses will be charged more to insure.

The table below outlines the insurance loss data for Toyota Highlander vehicles. For each policy coverage type, the claim amount for all vehicles, regardless of make or model, is represented as 100. Percentages below 100 mean the vehicle has better than average losses, while values over 100 indicate higher probability of having a loss or larger claims.

Toyota Highlander Insurance Claim Statistics

Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Toyota Highlander 4dr 2WD 88 82 94 94 78 75
Toyota Highlander 4dr 4WD 95 86 117 88 74 78
Toyota Highlander Hybrid 4dr 4WD 111 143

Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Do I need an agent?

Many people still like to have an agent's advice. One of the benefits of comparing rate quotes online is that drivers can save money and get lower rates and still choose a local agent.

Once you complete this form (opens in new window), the coverage information is transmitted to participating agents in Indianapolis that can give you free Indianapolis auto insurance quotes for your business. It's much easier because you don't need to find an agent because quoted prices will be sent straight to your inbox. You can most likely find cheaper rates AND an agent nearby. If you wish to quote rates from a specific company, you can always navigate to their website and fill out the quote form the provide.

Deciding on an provider needs to be determined by more than just the bottom line cost. These are some questions your agent should answer.

Car insurance agents in Indianapolis come in two varieties

If you are searching for a local insurance agency, it's helpful to know the types of insurance agents and how they function. Insurance agents can be classified as either independent or exclusive.

Exclusive Insurance Agencies

Exclusive insurance agents can only quote rates from one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. These agents are not able to shop your coverage around so they are skilled at selling on more than just price. Exclusive insurance agents are trained well in insurance sales and that can be a competitive advantage.

Shown below are exclusive agencies in Indianapolis who can help you get rate quotes.

3837 N High School Rd Suite 10 - Indianapolis, IN 46254 - (317) 216-0932 - View Map

Charlotte Adams-Jones - State Farm Insurance Agent
5034 E 56th St - Indianapolis, IN 46226 - (317) 252-5933 - View Map

5510 S East St d - Indianapolis, IN 46227 - (317) 783-3127 - View Map

View more Indianapolis agents

Independent Agents (or Brokers)

These type of agents often have affiliation with several companies so they can write business with an assortment of companies and find you cheaper rates. If they find a lower price, they simply move your policy to a different company and you won't have to switch agencies. If you are trying to find cheaper rates, you will want to include a couple of independent agencies so that you can do a thorough price comparison.

Below is a short list of independent agents in Indianapolis that can give you rate quotes.

1433 N Meridian St - Indianapolis, IN 46202 - (317) 377-1100 - View Map

6316 W Thompson Rd - Indianapolis, IN 46221 - (317) 856-4550 - View Map

6329 Hollister Dr - Indianapolis, IN 46224 - (317) 298-7500 - View Map

View more Indianapolis agents

Car insurance companies are expert advertisers

Popular car insurance providers such as 21st Century, Allstate and State Farm constantly bombard you with ads in print and on television. All the companies convey the message about saving some big amount if you get a free Indianapolis auto insurance quote and switch to their company. How is it possible that every company can give you a lower rate on Toyota Highlander insurance in Indianapolis? This is the trick they use.

All companies have specific guidelines for the type of customer that will add to their bottom line. For instance, a profitable risk profile might be described as over the age of 35, has no tickets, and drives newer vehicles. Anyone that meets those criteria will qualify for the lowest auto insurance rates in Indianapolis and as a result will probably cut their Toyota Highlander insurance rates if they switch.

Consumers who do not meet these criteria will be quoted a more expensive rate and this results in business going elsewhere. If you pay close attention to the ads, they say "people that switch" not "everybody who quotes" save that much. This is how companies can lure you into getting a quote. This emphasizes why you should do a quote comparison often. You cannot predict with any certainty which company will have the lowest Toyota Highlander insurance in Indianapolis.

What is YOUR best insurance company?

Some insurance companies may not provide the ability to get a quote online and usually these regional carriers provide coverage only through independent agencies. More affordable auto insurance in Indianapolis can be purchased online and with local Indianapolis insurance agents, so you need to compare both to have the best chance of lowering rates.

We just presented some good ideas how you can lower your Toyota Highlander insurance rates in Indianapolis. The most important thing to understand is the more price quotes you have, the better likelihood of getting affordable Toyota Highlander insurance quotes. Drivers may even discover the most savings is with an unexpected company. These companies often have lower car insurance rates on specific markets than the large multi-state companies such as GEICO and State Farm.

As you go through the steps to switch your coverage, it's not a good idea to skimp on coverage in order to save money. There are a lot of situations where someone dropped liability limits or collision coverage only to discover later they didn't have enough coverage. Your goal is to buy a smart amount of coverage at the best price.

Much more information about auto insurance in Indiana is available at these links: