Car Insurance Rate Quotes for a Toyota Highlander in Stockton

Insurance quote for Toyota Highlander in StocktonIt’s shocking but nearly 70% of customers kept their coverage with the same insurance company for four years or more, and virtually 40% of consumers have never compared quotes from other companies. Consumers in America can cut their rates by approximately 47% a year, but most undervalue the rate savings if they bought a different policy.

To save the most money, the best way to find cheaper prices for car insurance rates in Stockton is to make a habit of comparing prices annually from insurers who provide car insurance in California.

  1. Gain an understanding of how insurance works and the things you can control to prevent high rates. Many factors that drive up the price such as traffic violations and a lousy credit rating can be eliminated by making lifestyle changes or driving safer. Continue reading for the details to help reduce premium rates and earn a bigger discount.
  2. Compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from a single company like Progressive and State Farm, while independent agents can quote rates from multiple insurance companies.
  3. Compare the quotes to your existing rates and determine if there is any savings. If you can save some money and change companies, make sure there is no lapse between the expiration of your current policy and the new one.

A crucial key to this process is to make sure you’re comparing the same level of coverage on every quote and and to look at every insurance company. This ensures a fair price comparison and the best price selection.

Finding the cheapest car insurance coverage in Stockton is not rocket science. If you are already insured or need a new policy, use these techniques to reduce premiums without reducing coverage. Consumers just need to use how to compare price quotes instantly.

Best companies for affordable Toyota Highlander insurance in California

The companies in the list below can provide price quotes in Stockton, CA. If the list has multiple companies, we suggest you visit as many as you can to find the cheapest auto insurance rates.

Facts and figures for Toyota Highlander insurance

The information displayed next outlines detailed analysis of coverage costs for Toyota Highlander models. Being able to understand how insurance prices are established is important for making informed decisions when comparing rate quotes.

Toyota Highlander Insurance Rates in Stockton, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $316 $382 $578 $34 $174 $1,484 $124
Highlander 4WD $358 $464 $578 $34 $174 $1,608 $134
Highlander Sport 4WD $358 $464 $578 $34 $174 $1,608 $134
Highlander SE 2WD $358 $464 $578 $34 $174 $1,608 $134
Highlander Sport 2WD $358 $464 $578 $34 $174 $1,608 $134
Highlander Limited 2WD $398 $546 $578 $34 $174 $1,730 $144
Highlander SE 4WD $398 $546 $578 $34 $174 $1,730 $144
Highlander Limited 4WD $398 $546 $578 $34 $174 $1,730 $144
Highlander Hybrid 4WD $398 $546 $578 $34 $174 $1,730 $144
Highlander Hybrid Limited 4WD $398 $546 $578 $34 $174 $1,730 $144
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Table data does not factor in your specific Stockton location which can lower or raise auto insurance rates considerably.

Physical damage deductible comparison

One of the hardest decisions when shopping for insurance is how low should you set your deductibles. The figures shown below can help you understand how much more rates are when you buy lower versus higher deductibles. The first data set uses a $100 deductible for physical damage and the second set of prices uses a $500 deductible.

Toyota Highlander insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $380 $564 $442 $26 $132 $1,569 $131
Highlander 4WD $430 $686 $442 $26 $132 $1,741 $145
Highlander Sport 4WD $430 $686 $442 $26 $132 $1,741 $145
Highlander SE 2WD $430 $686 $442 $26 $132 $1,741 $145
Highlander Sport 2WD $430 $686 $442 $26 $132 $1,741 $145
Highlander Limited 2WD $478 $810 $442 $26 $132 $1,913 $159
Highlander SE 4WD $478 $810 $442 $26 $132 $1,913 $159
Highlander Limited 4WD $478 $810 $442 $26 $132 $1,913 $159
Highlander Hybrid 4WD $478 $810 $442 $26 $132 $1,913 $159
Highlander Hybrid Limited 4WD $478 $810 $442 $26 $132 $1,913 $159
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Toyota Highlander insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $278 $382 $442 $26 $132 $1,260 $105
Highlander 4WD $314 $464 $442 $26 $132 $1,378 $115
Highlander Sport 4WD $314 $464 $442 $26 $132 $1,378 $115
Highlander SE 2WD $314 $464 $442 $26 $132 $1,378 $115
Highlander Sport 2WD $314 $464 $442 $26 $132 $1,378 $115
Highlander Limited 2WD $348 $546 $442 $26 $132 $1,494 $125
Highlander SE 4WD $348 $546 $442 $26 $132 $1,494 $125
Highlander Limited 4WD $348 $546 $442 $26 $132 $1,494 $125
Highlander Hybrid 4WD $348 $546 $442 $26 $132 $1,494 $125
Highlander Hybrid Limited 4WD $348 $546 $442 $26 $132 $1,494 $125
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Prices do not factor in vehicle location which can increase or decrease prices substantially.

We can estimate from the data above that using a $100 deductible costs approximately $32 more each month or $384 a year than requesting the higher $500 deductible. Since you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at least 13 months between claim filings, you would come out ahead if you elect the higher deductible.

The illustration below demonstrates how choosing different deductibles and can increase or decrease Toyota Highlander insurance premiums for each different age category. The premiums are based on a married male driver, comprehensive and collision coverage, and no discounts are factored in.

Comparison of insurance rates by gender

The diagram below visualizes the comparison of Toyota Highlander annual premium costs for male and female drivers. The rate quotes are based on no claims, a clean driving record, comp and collision included, $100 deductibles, single marital status, and no discounts are applied.

Cost comparison with and without full coverage

The information below visualizes the comparison of Toyota Highlander car insurance costs with full physical damage coverage compared to only buying liability only. The information is based on no claims, a clean driving record, $100 deductibles, drivers are not married, and no other discounts are factored in.

When to stop buying comprehensive and collision coverage

There is no exact formula for dropping physical damage coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let’s say your Toyota Highlander book value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $8,000 after you pay the deductible. If premium cost is more than $800 a year for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are some conditions where buying only liability insurance is not a good idea. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not drop full coverage.

Lower your car insurance rates with discounts

Car insurance can be pricey, but you may find discounts that you may not even be aware of. Many of these discounts will be applied automatically at the time you complete a quote, but some discounts are required to be inquired about before they will apply.Save money with discounts

Consumers should know that most discount credits are not given to the entire policy premium. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that all the discounts add up to a free policy, it’s just not the way it works.

The chart below compares Toyota Highlander annual premium costs with and without discounts applied. The costs are based on a male driver, no violations or accidents, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, homeowner, multi-policy, multi-car, and safe-driver discounts applied.

A few companies that have most of the discounts above include:

Before you buy a policy, ask each company or agent how you can save money. Some of the earlier mentioned discounts may not apply in Stockton. To see companies that have a full spectrum of discounts in Stockton, click this link.

Stockton Insurance Costs are Influenced by These Factors

Many factors are used when quoting car insurance. Some factors are common sense such as your driving history, although some other factors are more obscure such as your credit history and annual miles driven.

More performance means more cost – The make and model of the vehicle you are insuring makes a big difference in your premium level. The best insurance prices tend to be for economy passenger vehicles, but the cost you end up paying is determined by many additional factors.

The chart below assumes a married female driver age 40, full coverage with $250 deductibles, and no discounts or violations. It compares Toyota Highlander policy rates compared to other vehicles that have different performances.

Increase physical damage deductibles to save – The deductibles define how much you are required to spend if you file a covered claim. Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some examples of covered claims would be collision with another vehicle, hail damage, or theft of your vehicle. The more of the claim you choose to pay out-of-pocket, the better rate you will receive.

Never allow your auto insurance policy to lapse – Not maintaining insurance is illegal and you will pay a penalty because you let your insurance coverage expire. Not only will you pay higher rates, getting caught without coverage will get you a revoked license or a big fine.

Qualify for multi-policy discounts – Most major insurance companies provide discounts to policyholders who consolidate policies with them, otherwise known as a multi-policy discount. The discount can be ten or even up to twenty percent in some cases. If you currently are using one company, it’s in your best interest to compare other Stockton Highlander insurance rates to ensure the best deal.

Driving citations are costly – Having just one driving citation may increase your cost by as much as twenty percent. Attentive drivers pay less for auto insurance compared to drivers with tickets. Drivers who have gotten flagrant citations like reckless driving or DUI may need to file a SR-22 with their state in order to continue driving.

The illustration below demonstrates how traffic citations and fender-benders can drive up Toyota Highlander insurance premiums for different categories of driver ages. The premiums are based on a married male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.

What are good liability coverage limits? – The liability coverage on your policy kicks in if ever you are responsible for physical damage or personal injury to other. It provides for a legal defense starting from day one. It is affordable coverage as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.

Having a spouse equates to better premiums – Having a wife or husband helps lower the price when shopping for auto insurance. It translates into being more financially stable and insurance companies like that drivers who are married file infrequent claims.

Your career may increase rates – Occupational choices like fire fighters, architects, and medical professionals are shown to have higher rates than average due to stressful work requirements and lots of time spent away from family. On the flip side, jobs like scientists, engineers and the unemployed pay the least.

Toyota Highlander claim probability – Insurers use data from past claims when they calculate premium prices for each model. Vehicles that tend to have higher prevalence or dollar amount of losses will have higher rates. The information below illustrates the loss history for Toyota Highlander vehicles.

For each policy coverage type, the claim probability for all vehicles, regardless of manufacturer or model, is a value of 100. Values under 100 are indicative of better than average losses, while percentage numbers above 100 show a trend for more claims or a tendency for losses to be larger than average.

Toyota Highlander Insurance Loss 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 from for 2013-2015 Model Years

Local Stockton insurance agencies

Many people just prefer to buy from a local agent and that is not a bad decision Insurance agents can answer important questions and help file insurance claims. One of the benefits of comparing car insurance online is that you can obtain lower rates and still have a local agent.

Insurance agents in StocktonTo make it easy to find an agent, after completing this short form, the quote information is sent to participating agents in Stockton who will return price quotes for your coverage. It makes it easy because there is no need to search for any insurance agencies because prices are sent directly to you. If you have a need to get a comparison quote from a particular provider, just visit that company’s website to submit a rate quote request.

Choosing an insurance company requires you to look at more than just a cheap price quote. A good agent in Stockton will have answers to these questions.

If you are searching for a good insurance agency, you should know the different types of agents and how they function. Agents in Stockton are classified as either independent (non-exclusive) or exclusive. Both types can provide car insurance policies, but it’s good to learn the differences since it can impact which agent you choose.

Exclusive Car Insurance Agents

Agents that elect to be exclusive are contracted to one company and examples are Farmers Insurance, American Family, State Farm and Allstate. They are unable to place coverage with different providers so they are skilled at selling on more than just price. Exclusive agencies are highly trained on their company’s products which helps them sell on service rather than price. Consumers sometimes buy from exclusive agents mostly because of the brand legacy rather than low rates.

Shown below is a list of exclusive insurance agencies in Stockton that are able to give price quote information.

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Independent Agents

Agents that elect to be independent do not write with just one company so as a result can place your coverage with any number of different companies and get you the best rates possible. If they quote lower rates, the business is moved internally which makes it simple for you. If you need cheaper car insurance rates, we highly recommend that you check rates from a few independent agents to maximize your price options. Many can place coverage with small regional insurance companies which can save you money.

Below are independent insurance agents in Stockton willing to provide price quote information.

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Cheap auto insurance prices are available

Consumers switch companies for many reasons like denial of a claim, poor customer service, policy cancellation or an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding a great new company is not as hard as you think.

While you’re price shopping online, make sure you don’t sacrifice coverage to reduce premiums. There have been many situations where someone dropped comprehensive coverage or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy the best coverage you can find at the lowest possible cost while still protecting your assets.

In this article, we presented many ideas to reduce Toyota Highlander insurance car insurance rates online in Stockton. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your premium rates. Consumers could even find that the best car insurance rates are with a company that doesn’t do a lot of advertising.

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