Finding low-cost insurance for a Toyota Highlander in Arizona could be a painful process, but you can learn a few tricks to make it easier. There are more efficient ways to shop for auto insurance and we’ll show you the quickest way to compare rates for a new or used Toyota and get the lowest possible price from both online companies and Scottsdale agents.
Unbelievable but true, 70% of consumers kept their coverage with the same auto insurance company for well over three years, and just short of a majority have never quoted rates to find cheaper coverage. With the average auto insurance premium being $1,578, Scottsdale drivers could pocket $733 a year just by getting comparison quotes, but they underestimate the rate savings if they switch to a new company.
It’s a good habit to check auto insurance prices yearly since prices are rarely the same from one policy term to another. Despite the fact that you may have had the best quotes on Toyota Highlander insurance in Scottsdale a couple years back you can probably find a lower rate today. Ignore everything you know about auto insurance because it’s time to teach you the best methods to remove unneeded coverages and save money.
Cheapest companies for Toyota Highlander insurance
The companies in the list below are our best choices to provide price comparisons in Scottsdale, AZ. To get the cheapest auto insurance in Scottsdale, AZ, we recommend you visit several of them to get the cheapest price.
Coverage information
The rate table shown below showcases detailed analysis of insurance costs for Toyota Highlander models. Understanding how auto insurance prices are established can help guide drivers when making smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Highlander 2WD | $222 | $376 | $338 | $20 | $102 | $1,058 | $88 |
| Highlander 4WD | $250 | $456 | $338 | $20 | $102 | $1,166 | $97 |
| Highlander Sport 4WD | $250 | $456 | $338 | $20 | $102 | $1,166 | $97 |
| Highlander SE 2WD | $250 | $456 | $338 | $20 | $102 | $1,166 | $97 |
| Highlander Sport 2WD | $250 | $456 | $338 | $20 | $102 | $1,166 | $97 |
| Highlander Limited 2WD | $278 | $538 | $338 | $20 | $102 | $1,276 | $106 |
| Highlander SE 4WD | $278 | $538 | $338 | $20 | $102 | $1,276 | $106 |
| Highlander Limited 4WD | $278 | $538 | $338 | $20 | $102 | $1,276 | $106 |
| Highlander Hybrid 4WD | $278 | $538 | $338 | $20 | $102 | $1,276 | $106 |
| Highlander Hybrid Limited 4WD | $278 | $538 | $338 | $20 | $102 | $1,276 | $106 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Price information does not factor in specific Scottsdale garaging location which can decrease or increase premiums significantly.
Choosing deductibles
One of the most common car insurance questions is how low should you set your deductibles. The comparisons below determine the rate difference between low and high physical damage deductibles. The first rate table uses a $250 deductible for comprehensive and collision coverage and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Highlander 2WD | $232 | $320 | $300 | $18 | $90 | $985 | $82 |
| Highlander 4WD | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
| Highlander Sport 4WD | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
| Highlander SE 2WD | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
| Highlander Sport 2WD | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
| Highlander Limited 2WD | $292 | $460 | $300 | $18 | $90 | $1,185 | $99 |
| Highlander SE 4WD | $292 | $460 | $300 | $18 | $90 | $1,185 | $99 |
| Highlander Limited 4WD | $292 | $460 | $300 | $18 | $90 | $1,185 | $99 |
| Highlander Hybrid 4WD | $292 | $460 | $300 | $18 | $90 | $1,185 | $99 |
| Highlander Hybrid Limited 4WD | $292 | $460 | $300 | $18 | $90 | $1,185 | $99 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Highlander 2WD | $144 | $202 | $300 | $18 | $90 | $754 | $63 |
| Highlander 4WD | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| Highlander Sport 4WD | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| Highlander SE 2WD | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| Highlander Sport 2WD | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| Highlander Limited 2WD | $180 | $290 | $300 | $18 | $90 | $878 | $73 |
| Highlander SE 4WD | $180 | $290 | $300 | $18 | $90 | $878 | $73 |
| Highlander Limited 4WD | $180 | $290 | $300 | $18 | $90 | $878 | $73 |
| Highlander Hybrid 4WD | $180 | $290 | $300 | $18 | $90 | $878 | $73 |
| Highlander Hybrid Limited 4WD | $180 | $290 | $300 | $18 | $90 | $878 | $73 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Premium costs do not factor in the specific area where the vehicle is garaged which can revise premiums significantly.
Based on the figures above, using a $250 deductible will cost you roughly $24 more each month or $288 for a full year across all Toyota Highlander models than opting for the higher $1,000 deductible. Because you would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you go at least 31 months between claims, you would save money by selecting a higher deductible.
Should you buy full coverage?
The example below shows the difference between Toyota Highlander insurance rates when comparing full coverage to liability only. The prices are based on no accidents, no driving violations, $500 deductibles, drivers are single, and no discounts are factored in.
Are you wasting money on full coverage?
There isn’t a written rule of when to eliminate full coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.
For example, let’s assume your Toyota Highlander settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is severely damaged, you would only receive $4,000 after you pay the deductible. If it’s costing you more than $400 a year for physical damage coverage, then it may be the right time to buy liability only.
There are some scenarios where dropping full coverage is not a good plan. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not drop full coverage.
Cheaper Scottsdale car insurance rates with discounts
Companies offering auto insurance do not list the complete list of policy discounts very well, so we researched a few of the more common and the harder-to-find discounts that you can inquire about if you buy Scottsdale auto insurance online.
- Anti-lock Brake System – Vehicles with ABS braking systems or traction control are much safer to drive and therefore earn up to a 10% discount.
- Pay Early and Save – By paying your policy upfront as opposed to paying monthly you may have a lower total premium amount.
- Discount for Passive Restraints – Vehicles with factory air bags could see savings of up to 25% or more.
- Low Mileage Discounts – Fewer annual miles on your Toyota can earn substantially lower car insurance rates.
- Home Ownership Discount – Owning your own home or condo may earn you a small savings because maintaining a house is proof that your finances are in order.
- Accident Waiver – This isn’t a discount exactly, but certain companies will let one accident slide without getting socked with a rate hike so long as you are claim-free prior to being involved in the accident.
- Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more than drivers with accident claims.
- Senior Discount – Drivers over the age of 55 are able to get a small discount on rates.
- Defensive Driver Discount – Taking time to complete a course that instructs on driving safety can save you 5% or more if your company offers it.
Please keep in mind that many deductions do not apply to the entire cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, you’re out of luck. Any amount of discount will reduce the cost of coverage.
The information below shows the difference between Toyota Highlander insurance prices with and without discounts being applied to the rates. The premium estimates are based on a male driver, no violations or accidents, Arizona 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 multi-policy, marriage, safe-driver, claim-free, homeowner, and multi-car discounts applied.
If you would like to see a list of companies with the best Toyota Highlander insurance discounts in Scottsdale in Scottsdale, follow this link.
Should I have guidance from an agent?
A small number of people just prefer to go talk to an agent and that is not a bad decision Professional insurance agents are very good at helping people manage risk and will help you if you have claims. A good thing about comparing car insurance online is you can get better rates and still buy from a local agent.
To find an agent, once you fill out this form (opens in new window), the quote information gets sent to local insurance agents in Scottsdale who will give you bids and help you find cheaper coverage. You never need to leave your computer due to the fact that quote results will go to your email. In the event you want to compare rates from a specific company, don’t hesitate to go to their quote page to submit a rate quote request.
Choosing the best insurer should include more criteria than just a cheap quote. Here are some questions you might want to ask.
- In the event of vehicle damage, can you pick the collision repair facility?
- If they are an independent agency in Scottsdale, which companies do they recommend?
- Is there a Errors and Omissions policy in force?
- Can you get a list of referrals?
- How often do they review coverages?
- If you raise deductibles, how much can you save?
- Has the agent ever had any license suspensions?
What type of Scottsdale auto insurance agent is right for you?
When finding an insurance agent, there are a couple of different agency structures and how they work. Car insurance agencies are either exclusive agents or independent agents. Either one can sell car insurance policies, but it’s worth learning the difference between them because it can influence which agent you choose.
Exclusive Insurance Agencies
Exclusive agencies can only quote rates from one company and some examples include Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot give you multiple price quotes so they have no alternatives for high prices. Exclusive insurance agents are usually well trained on their company’s products and that can be a competitive advantage. Consumers often use the same agent primarily because of loyalty to the company rather than having low rates.
Listed below is a list of exclusive insurance agencies in Scottsdale that are able to give price quotes.
- Dennis Dowling – State Farm Insurance Agent
5310 E Shea Blvd #3 – Scottsdale, AZ 85254 – (602) 996-8811 – View Map - Craig Smith – Farmers Insurance – Scottsdale
9332 E Raintree Dr #140 – Scottsdale, AZ 85260 – (480) 657-7906 – View Map - Jim Wurbel – State Farm Insurance Agent
10789 N 90th St Ste 101 – Scottsdale, AZ 85260 – (480) 860-1090 – View Map
Independent Car Insurance Agencies
These type of agents often have many company appointments so they can write business with a variety of different insurance companies and potentially find a lower price. If you are not satisfied with one company, an independent agent can move your coverage and that require little work on your part.
If you need cheaper car insurance rates, you need to get insurance quotes from a couple of independent agencies in order to compare the most rates. Many can place coverage with mutual insurance companies that may provide cheaper car insurance rates.
The following is a short list of independent agents in Scottsdale that can give you rate quotes.
- Scottsdale Insurance Home
20875 N Pima Rd – Scottsdale, AZ 85255 – (480) 712-0400 – View Map - Arizona Western Insurance Services
13951 N Scottsdale Rd # 234 – Scottsdale, AZ 85254 – (480) 483-3311 – View Map - Citywide Insurance
13802 N Scottsdale Rd #106 – Scottsdale, AZ 85254 – (480) 607-7537 – View Map
If you feel you receive acceptable answers to any questions you may have as well as a price you’re happy with, you may have found an insurance agency that meets your needs to provide car insurance coverage. Just understand that it’s your policy and you can terminate coverage whenever you want so don’t assume that you’re stuck with any specific agency for any length of time.
Don’t give up on affordable rates
As you quote Scottsdale auto insurance, you should never sacrifice coverage to reduce premiums. In many instances, someone sacrificed uninsured motorist or liability limits and learned later that it was a big error on their part. Your aim should be to buy enough coverage at a price you can afford, but do not skimp to save money.
Budget-friendly auto insurance in Scottsdale is available both online as well as from independent agents in Scottsdale, and you should compare rates from both to have the best chance of lowering rates. There are still a few companies who do not provide price quotes online and most of the time these regional carriers only sell through local independent agents.
Drivers change insurance companies for any number of reasons including unfair underwriting practices, policy non-renewal, questionable increases in premium and even denial of a claim. It doesn’t matter why you want to switch switching companies is actually quite simple.
How to find better rates for Toyota Highlander insurance in Scottsdale
If you want to save money, the best way to get discount Toyota Highlander insurance in Scottsdale is to compare prices annually from insurance carriers in Arizona.
First, learn about coverages and the measures you can control to keep rates down. Many things that increase rates like traffic citations, accidents, and an imperfect credit score can be controlled by making minor changes in your lifestyle.
Second, compare prices from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only provide price estimates from a single company like Progressive and State Farm, while agents who are independent can quote prices for a wide range of companies.
Third, compare the new rate quotes to the premium of your current policy to see if you can save by switching companies. If you can save some money and decide to switch, make sure there is no coverage gap between policies.
Fourth, provide adequate notice to your current company of your intention to cancel your current coverage. Submit a down payment along with a signed application for your new policy. Don’t forget to keep your new proof of insurance paperwork in a readily accessible location in your vehicle.
The most important part of shopping around is that you’ll want to make sure you compare the same level of coverage on every quote request and and to get rates from every insurance company. Doing this guarantees an accurate price comparison and a complete price analysis.
More resources
- Credit Impacts Car Insurance Rates (State Farm)
- Who Has Cheap Auto Insurance Rates for a Nissan Altima in Scottsdale? (FAQ)
- Who Has Cheap Auto Insurance Rates for a Toyota Tundra in Scottsdale? (FAQ)
- What Insurance is Cheapest for a Toyota Corolla in Scottsdale? (FAQ)
- Who Has Affordable Auto Insurance Rates for 19 Year Olds in Scottsdale? (FAQ)
- Auto Insurance 101 (About.com)
- Information for Teen Drivers (GEICO)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Side Impact Crash Tests (iihs.org)