If saving money is your primary concern, then the best way to find cheaper prices for Toyota Highlander Hybrid insurance is to start comparing rates regularly from insurers who sell insurance in El Paso.
- First, take a little time to learn about how companies set rates and the measures you can control to prevent expensive coverage. Many policy risk factors that result in higher rates like tickets, at-fault accidents, and bad credit can be eliminated by making minor changes to your lifestyle.
- Second, compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive and State Farm, while agents who are independent can quote rates for many different companies. View companies
- Third, compare the quotes to your existing policy to determine if you can save on Highlander Hybrid insurance. If you find better rates and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
- Fourth, notify your agent or company to cancel the current policy and submit a completed policy application and payment to the new company. Be sure to store the certificate verifying coverage in a readily accessible location in your vehicle.
A good piece of advice is that you use identical limits and deductibles on each quote and and to get rate quotes from all possible companies. This enables an accurate price comparison and a good representation of prices.
Inconceivable but true, about 70% of customers kept buying from the same company for four years or more, and nearly 40% of drivers have never shopped around. Consumers in the United States can save approximately $860 each year, but they don’t want to take the time to compare rates.
If you have insurance now, you will most likely be able to find the best rates using the techniques covered below. Locating the best rates in El Paso can initially seem challenging. But Texas vehicle owners do need to know how companies determine what you pay because rates fluctuate considerably.
Best Toyota Highlander Hybrid insurance price quotes in Texas
The auto insurance companies shown below provide comparison quotes in Texas. If the list has multiple companies, it’s a good idea that you visit several of them to get the most affordable price.
Five Things That Impact Your Insurance Premiums
Lots of factors are considered when you get a price on insurance. Some are obvious like your driving record, but others are more obscure like your vehicle usage or your financial responsibility. Part of the auto insurance buying process is learning the factors that play a part in calculating the price you pay for auto insurance. If you know what influences your rates, this allows you to make good choices that could result in better auto insurance rates.
The list below includes some of the major factors utilized by car insurance companies to help set rates.
Which gender costs less? – Statistics have proven that females tend to be a little less risky than males. However, this does not mean men are worse drivers. Both genders cause accidents at about the same rate, but the men get into accidents with more damage. Men also statistically get cited for more serious violations like DUI and reckless driving. Young males cause the most accidents so it costs more to insure them.
Marriage is a factor – Your spouse helps lower the price on your auto insurance policy. Marriage usually means you are more mature and it’s statistically proven that married drivers tend to have fewer serious accidents.
Vehicles with better crash test results are cheaper to insure – Vehicles with good safety scores are cheaper to insure. Vehicles built for safety have better occupant injury protection and fewer serious injuries means less claims paid passed on to you as lower rates.
Do you save by driving less? – Driving more miles in a year’s time the higher the price you pay to insure it. A lot of companies apply a rate based upon how you use the vehicle. Cars that do not get driven very much cost less to insure than those used for commuting. It’s a smart idea to ensure your auto insurance coverage is rated on how each vehicle is driven. Improper usage on your Highlander Hybrid may be costing you higher rates.
Lower performance equals lower insurance prices – The performance of the car, truck or SUV you drive makes a significant difference in the rate you pay. Small economy passenger cars generally receive the lowest base rates, but other factors influence the final cost greatly.
Toyota Highlander Hybrid insurance claim data – Companies include the past claim trends for vehicles to help calculate a profitable premium rate. Models that the data determines to have higher claim amounts or frequency will have higher premium rates. The next table shows the historical loss data for Toyota Highlander Hybrid vehicles.
For each coverage category, the statistical loss for all vehicles, regardless of manufacturer or model, is set at 100. Percentages below 100 mean the vehicle has better than average losses, while values over 100 show a trend for more claims or statistically larger losses.
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Toyota Highlander Hybrid 4dr 4WD | 111 | 143 |
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Do you qualify for discounts on Toyota Highlander Hybrid insurance in El Paso?
Insuring your vehicles can cost a lot, but you may qualify for discounts that could help you make your next renewal payment. Certain discounts will be applied at the time of quoting, but some discounts are required to be asked about prior to getting the savings.
- Military Deployment Discount – Having an actively deployed family member could qualify you for better premium rates.
- Defensive Driver Discount – Passing a course in driver safety could save 5% or more and easily pay for the cost of the class.
- Low Mileage Discounts – Low annual miles could earn discounted rates on garaged vehicles.
- Anti-lock Brake Discount – Cars, trucks, and SUVs with anti-lock braking systems have fewer accidents and will save you 10% or more on Highlander Hybrid insurance in El Paso.
- Good Grades Discount – Excelling in school can save 20 to 25%. This discount can apply until age 25.
A little note about advertised discounts, some credits don’t apply to the whole policy. The majority will only reduce individual premiums such as liability, collision or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, that’s just not realistic.
Some of the insurance companies that possibly offer some of the discounts shown above include:
If you need affordable Toyota Highlander Hybrid insurance quotes, ask all the companies to apply every possible discount. Some discounts listed above might not be available to policyholders everywhere.
Comparing prices from local El Paso insurance agents
Many people still like to get professional advice from a licensed agent and doing that can be a smart decision An additional benefit of comparing rates online is the fact that drivers can get lower premium rates and still buy from a local agent.
Upon completion of this form (opens in new window), the coverage information is immediately sent to participating agents in El Paso who can give free rate quotes for your insurance coverage. You never need to search for any insurance agencies due to the fact that quote results will go to the email address you provide. You’ll get the best rates without requiring a lot of work. In the event you want to compare rates from a specific insurance company, you would need to visit that company’s website and fill out the quote form the provide.
Selecting an insurer shouldn’t rely on just a low price. These are some questions you should get answers to.
- Will one accident increase rates?
- Do you need full coverage on every vehicle?
- Are they able to influence company decisions when a claim is filed?
- Do they have designations such as AIC, CPCU, or CIC?
- Can glass repairs be made at your home?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Which company do they place the most coverage with?
Choose the right car insurance agent
If you want local El Paso agents, it’s helpful to know the different types of agencies and how they operate. Auto insurance agents can either be independent agents or exclusive agents.
Exclusive Agents
Exclusive agents generally can only insure with one company and examples are Farmers Insurance, Allstate, or State Farm. Exclusive agencies are unable to place coverage with different providers so you need to shop around if the rates are high. These agents are trained well in insurance sales which helps offset the inability to provide other markets.
Shown below is a list of exclusive agents in El Paso that are able to give price quote information.
Terry Jimenez – State Farm Insurance Agent
3500 N Mesa St g – El Paso, TX 79902 – (915) 532-1456 – View Map
Manny M Casillas – State Farm Insurance Agent
1212 N Yarbrough Dr #105 – El Paso, TX 79925 – (915) 591-2288 – View Map
Allstate Insurance: Eric Kent
5909 N Mesa St – El Paso, TX 79912 – (915) 587-0292 – View Map
Independent Auto Insurance Agencies
Independent agencies are not restricted to one company and that enables them to quote your coverage through many companies and potentially find a lower price. To move your coverage to a new company, your agent can switch companies and you don’t have to find a new agent. When comparing rates, we recommend you check rates from several independent insurance agents to get the most accurate price comparison.
Shown below is a list of independent agents in El Paso who can help you get price quote information.
Desert West Insurance Agency, Inc.
7500 Viscount Blvd #101 – El Paso, TX 79925 – (915) 751-6060 – View Map
Nationwide Insurance: Pinon and Associates Financial Corporation
1515 E Missouri Ave – El Paso, TX 79902 – (915) 857-6890 – View Map
Colonial Insurance
1515 Lee Trevino Dr – El Paso, TX 79936 – (915) 590-4099 – View Map
El Paso car insurance companies ranked
Picking a good quality insurance provider can be challenging considering how many choices there are in Texas. The ranking data listed below may help you pick which insurers to look at when shopping your coverage around.
Top 10 El Paso Car Insurance Companies Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
Top 10 El Paso Car Insurance Companies Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
It’s not one size fits all
When quoting and choosing coverage for your personal vehicles, there really is not a “perfect” insurance plan. Your situation is unique and your policy should reflect that.
These are some specific questions can help discover whether or not you might need an agent’s assistance.
- What policy terms are available?
- What exactly is covered by my policy?
- Am I covered if I back into my garage door?
- When would I need additional glass coverage?
- What is the rate difference between pleasure use and commuting?
- Does every company file a SR-22 automatically?
- Which is better, split liability limits or combined limits?
- Why am I required to get a high-risk car insurance policy?
- Who sells insurance for high-risk drivers?
If you’re not sure about those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area.
Quote more to save more
Low-cost Toyota Highlander Hybrid insurance in El Paso is possible online in addition to local insurance agencies, so you need to shop El Paso auto insurance with both in order to have the best chance of saving money. A few companies do not offer internet price quotes and these regional carriers prefer to sell through independent insurance agents.
When trying to cut insurance costs, don’t be tempted to skimp on coverage in order to save money. There are a lot of situations where an insured dropped liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. Your focus should be to get the best coverage possible at the best possible price, not the least amount of coverage.
For more information, link through to the following helpful articles:
- Keeping Children Safe in Crashes Video (iihs.org)
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Things to Know Before you Cancel Insurance (Allstate)