Affordable Rate Quotes for Toyota Highlander Insurance in Virginia Beach

Insurance quote for Toyota Highlander in Virginia BeachI doubt anyone gets a kick out of paying for auto insurance, in particular when they could lower their rates if they shopped around.

We don’t have to point out that fact that insurance companies don’t want policyholders to compare prices from other companies. Consumers who compare rates annually will most likely switch to a new company because they stand a good chance of finding a policy with more affordable rates. Remarkably, a study showed that people who make a habit of shopping around saved about $70 a month compared to other drivers who never shopped around.

If finding the most affordable Toyota Highlander insurance is why you’re here, then having a grasp of the best way to shop and compare car insurance can help you be more efficient.

With people having so many different company options, it can be difficult for drivers to choose the right company.

Finding affordable coverage in Virginia Beach is actually not that difficult if you follow our advice. In essence, every vehicle owner who is required by state law to have insurance should be able to find better rates. But Virginia vehicle owners can benefit by having an understanding of the way companies determine premium rates and use this information to your advantage.

When quoting auto insurance, remember that having more price comparisons will enable you to find a better price.

The companies shown below can provide comparison quotes in Virginia. If you wish to find cheap car insurance in Virginia Beach, VA, we recommend you get rates from several of them in order to find the lowest rates.

Rates and data analysis

The premium table shown below covers detailed analysis of policy rates for Toyota Highlander models. Learning a little about how car insurance prices are figured can assist in making decisions on which coverage to buy.

Toyota Highlander Insurance Rates in Virginia Beach, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Highlander 2WD $190 $322 $290 $18 $88 $908 $76
Highlander 4WD $214 $392 $290 $18 $88 $1,002 $84
Highlander Sport 4WD $214 $392 $290 $18 $88 $1,002 $84
Highlander SE 2WD $214 $392 $290 $18 $88 $1,002 $84
Highlander Sport 2WD $214 $392 $290 $18 $88 $1,002 $84
Highlander Limited 2WD $240 $462 $290 $18 $88 $1,098 $92
Highlander SE 4WD $240 $462 $290 $18 $88 $1,098 $92
Highlander Limited 4WD $240 $462 $290 $18 $88 $1,098 $92
Highlander Hybrid 4WD $240 $462 $290 $18 $88 $1,098 $92
Highlander Hybrid Limited 4WD $240 $462 $290 $18 $88 $1,098 $92
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Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Price estimates do not factor in Virginia Beach location which can raise or lower coverage prices significantly.

The information below demonstrates how choosing different deductibles and can raise or lower Toyota Highlander yearly insurance costs for different age groups. The rate quotes are based on a single female driver, comp and collision included, and no policy discounts are applied.

Rate increases following a ticket or accident

The example below illustrates how traffic citations and at-fault accidents can drive up Toyota Highlander car insurance rates for different age groups. The premiums are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.

Men versus women drivers and insurance cost

The information below compares Toyota Highlander car insurance costs for male and female drivers. The premiums assume no accidents, no driving violations, full physical damage coverage, $100 deductibles, drivers are not married, and no other discounts are factored in.

Auto insurance discounts help lower rates for Toyota Highlander insurance in Virginia Beach

Companies don’t always list all possible discounts very well, so the list below details a few of the more common and the more hidden credits available to lower your premiums when you buy Virginia Beach car insurance online. If you don’t get every credit possible, you could be paying more than you need to.Auto insurance discounts

As is typical with insurance, some of the credits will not apply to the whole policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Despite the fact that it seems like you could get a free auto insurance policy, companies don’t profit that way.

The diagram below illustrates the comparison of Toyota Highlander car insurance rates with and without policy discounts. The costs are based on a female driver, no tickets, no at-fault accidents, Virginia state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, marriage, multi-car, safe-driver, and multi-policy discounts applied.

A list of auto insurance companies and the discounts they provide are:

Before you buy a policy, ask every insurance company how many discounts you can get. Some credits might not be available to policyholders in Virginia Beach. To view companies that offer some of these discounts in Virginia Beach, follow this link.

Three good reasons to insure your Highlander

Even though Virginia Beach Highlander insurance rates can get expensive, buying insurance is not optional due to several reasons.

The benefits of carrying adequate insurance greatly outweigh the cost, especially for larger claims. On average, a vehicle owner in Virginia Beach is currently overpaying as much as $830 a year so it’s very important to do a rate comparison every year to ensure rates are inline.

Which car insurance company is best in Virginia Beach?

Ending up with a highly-rated insurance company is hard considering how many choices there are in Virginia Beach. The rank data below can help you decide which coverage providers you want to consider comparing rates with.

Top 10 Virginia Beach Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Top 10 Virginia Beach Car Insurance Companies by A.M. Best Rank

  1. Travelers – A++
  2. USAA – A++
  3. GEICO – A++
  4. State Farm – A++
  5. Erie Insurance – A+
  6. Titan Insurance – A+
  7. Esurance – A+
  8. Progressive – A+
  9. Nationwide – A+
  10. The Hartford – A+

You are unique and your insurance should be too

When it comes to insurance from an agent or online for your vehicles, there really is not a “best” method to buy coverage. Your situation is unique.Drive safe and save

These are some specific questions might help in determining if your insurance needs would benefit from an agent’s advice.

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, fill out this quick form.

Exclusive and independent car insurance agents

A small number of people would prefer to buy from a local agent and that is just fine! A nice benefit of getting free rate quotes online is you may find better rates and still have a local agent.

Virginia Beach insurance agentsAfter completing this quick form, your coverage information is emailed to companies in Virginia Beach who will give you quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to search for an agent because prices are sent to you directly. It’s the lowest rates and a licensed agent to talk to. If you want to compare prices from a particular provider, don’t hesitate to search and find their rate quote page and complete a quote there.

Picking the best insurer is decision based upon more than just a cheap quote. You should also get answers to these questions.

The following is a short list of car insurance companies in Virginia Beach who can help you get price quote information for Toyota Highlander insurance in Virginia Beach.

4870 Haygood Rd Ste 108Virginia Beach, VA 23455(757) 671-1111View Map

4968 Euclid Rd eVirginia Beach, VA 23462(757) 309-1850View Map

1917 Laskin Rd Ste 101Virginia Beach, VA 23454(757) 496-5685View Map

1920 Centerville Turnpike Ste 97Virginia Beach, VA 23464(757) 479-0551View Map

View more Virginia Beach agents