Best Insurance for a Toyota Highlander in Santa Ana

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Unimaginable but true, over 70% of California drivers have remained with the same car insurance company for well over three years, and just short of a majority have never taken the time to shop around. Consumers in America could cut their rates by nearly 46.5% a year, but they don't invest the time required to do a rate comparison.

Insurance quote for Toyota Highlander in Santa AnaIf saving the most money is your goal, then the best way to get budget car insurance rates in Santa Ana is to start doing a yearly price comparison from different companies in California. You can compare prices by completing these steps.

Step 1: Learn about how your policy works and the modifications you can make to prevent expensive coverage. Many risk factors that result in higher prices like traffic violations, accidents, and a substandard credit history can be remedied by making lifestyle changes or driving safer. This article provides the details to prevent high rates and earn a bigger discount.

Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from one company like Progressive or Farmers Insurance, while independent agents can quote prices for a wide range of insurance providers. Start a quote

Step 3: Compare the quotes to your current policy premium and determine if cheaper Highlander coverage is available. If you can save some money and buy the policy, ensure coverage does not lapse between policies.

A crucial key to this process is to use identical deductibles and limits on each price quote and and to get rates from as many companies as you can. Doing this ensures an apples-to-apples comparison and the most accurate and complete price analysis.

If you are paying for car insurance now, you will surely be able to reduce the price you pay using the ideas covered in this article. This article's goal is to familiarize you with how to compare rates easily and how you can save the most money. Nevertheless, California car owners must comprehend how the larger insurance companies price online insurance and take advantage of how the system works.

The quickest method to get policy rate comparisons for Toyota Highlander insurance in Santa Ana is to realize car insurance companies actually pay money for the chance to give rate comparisons. To start a quote, the only thing you need to do is provide a little information such as coverage limits, whether your vehicle is owned or leased, how much education you have, and types of safety features. The rating information is instantly submitted to multiple different insurance companies and you will get price comparisons instantly to find the best rate.

To check rates for your Toyota Highlander now, click here then complete the form.

The companies in the list below have been selected to offer free rate quotes in California. If multiple providers are shown, it's highly recommended you visit as many as you can to get a more complete price comparison.

Toyota Highlander coverage statistics

The information shown below showcases different policy rates for Toyota Highlander models. Learning how insurance quotes are formulated can aid in making smart choices when purchasing an insurance policy.

Toyota Highlander Insurance Rates in Santa Ana, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $266 $402 $424 $26 $126 $1,244 $104
Highlander 4WD $300 $490 $424 $26 $126 $1,366 $114
Highlander Sport 4WD $300 $490 $424 $26 $126 $1,366 $114
Highlander SE 2WD $300 $490 $424 $26 $126 $1,366 $114
Highlander Sport 2WD $300 $490 $424 $26 $126 $1,366 $114
Highlander Limited 2WD $334 $576 $424 $26 $126 $1,486 $124
Highlander SE 4WD $334 $576 $424 $26 $126 $1,486 $124
Highlander Limited 4WD $334 $576 $424 $26 $126 $1,486 $124
Highlander Hybrid 4WD $334 $576 $424 $26 $126 $1,486 $124
Highlander Hybrid Limited 4WD $334 $576 $424 $26 $126 $1,486 $124
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Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Estimates do not factor in specific zip code location which can increase or decrease price quotes substantially.

Safe drivers pay cheaper rates

The information below demonstrates how traffic citations and at-fault fender-benders impact Toyota Highlander car insurance costs for different age groups of insureds. The premium estimates are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.

Do you need full coverage?

The information below illustrates the comparison of Toyota Highlander car insurance rates when comparing full coverage to liability only. Data assumes a clean driving record, no at-fault accidents, $1,000 deductibles, single marital status, and no policy discounts are applied.

When to drop comprehensive and collision

There isn't a written rule of when to phase out full coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let's assume your Toyota Highlander book value is $7,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $6,000 after paying your policy deductible. If you are currently paying more than $600 a year for full coverage, then you might want to consider buying only liability coverage.

There are some conditions where dropping physical damage coverage is not recommended. If you haven't paid off your loan, you are required to maintain full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should keep full coverage.

Smart Consumers Can Slash Their Insurance Premiums

Smart consumers have a good feel for some of the factors that play a part in calculating your policy premiums. If you know what determines premiums, this enables informed choices that may reward you with much lower annual insurance costs. Multiple criteria are part of the calculation when you quote your car insurance policy. A few of the factors are predictable such as traffic violations, but others are less obvious like where you live or your vehicle rating.

Listed below are some of the most rate-impacting factors used by insurance companies to determine your rate level.

  • Add-on coverages are wasting money - Insurance policies have a lot of extra coverages that you can get tricked into buying if you aren't diligent. Coverage for things like vanishing deductibles, high-cost glass coverage, and extra equipment coverage are probably not needed. They may seem good at first, but if they're wasting money remove them from your policy.
  • Rural vs Urban Areas - Having an address in less populated areas can be a good thing when buying car insurance. Urban drivers have much more traffic and more severe claims. Fewer people means fewer accidents in addition to fewer liability claims.
  • Do you know you're credit history? - Having a bad credit score will be a significant factor in determining what you pay. Therefore, if your credit history is not that good, you could be paying less to insure your Toyota Highlander by taking the time to improve your credit score. Consumers who have good credit tend to file fewer claims as compared to drivers with lower credit scores.
  • GPS tracking and theft deterrents reduce car insurance rates - Selecting a car model with a theft deterrent system can help lower your rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent auto theft and help lower rates.
  • Marriage pays dividends - Having a significant other actually saves money on your car insurance bill. Having a significant other translates into being less irresponsible and insurance companies like that married couples file fewer claims.
  • Insurance loss statistics a Toyota Highlander - Companies analyze historical claim data when determining insurance rates. Vehicles that the data determines to have higher number or severity of losses will cost more for specific coverages.

    The table below shows the insurance loss data used by companies for Toyota Highlander vehicles. For each coverage category, the claim amount for all vehicles, as a total average, equals 100. Numbers shown that are under 100 suggest a better than average loss history, while numbers above 100 indicate higher probability of having a loss or statistically larger losses.

    Toyota Highlander Insurance Loss Statistics
    Specific Toyota 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

Why you need quality insurance for your Highlander

Even though Santa Ana Highlander insurance rates can get expensive, maintaining insurance is required by state law in California and it also provides benefits you may not be aware of.

First, most states have mandatory liability insurance requirements which means state laws require a specific level of liability coverage if you drive a vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you have a loan on your Toyota Highlander, most banks will stipulate that you buy full coverage to ensure loan repayment if the vehicle is totaled. If you let the policy lapse, the lender may have to buy a policy to insure your Toyota for a lot more money and require you to reimburse them the higher premium.

Third, car insurance preserves both your Toyota Highlander and your assets. Insurance will pay for many types of medical costs that are the result of an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will pay to have it repaired.

The benefits of carrying enough insurance greatly outweigh the cost, especially with large liability claims. Today the average American driver overpays more than $869 every year so you should quote and compare rates every year to save money.

Which car insurance company is best in Santa Ana?

Buying coverage from the top auto insurance company can be difficult considering how many choices drivers have in California. The company rank data listed below may help you decide which providers you want to consider comparing rates from.

Top Car Insurance Companies in California
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies