Want a free price quotes on lower-priced car insurance rates in Philadelphia, PA? Philadelphia shoppers have lots of choices when shopping for the best price on Toyota Highlander insurance. You can either waste hours calling around getting price quotes or save time using the internet to find the lowest rates.
There are more efficient ways to find car insurance online and we’ll show you the proper way to price shop coverage for your Toyota and locate the cheapest rates from both online companies and Philadelphia agents.
A recent car insurance study revealed that over 70% of drivers kept buying from the same company for a minimum of four years, and almost half have never even shopped around for cheap coverage. With the average car insurance premium being $1,400, Pennsylvania drivers could cut their rates by 55% a year, but they don’t know how much money they would save if they switched.
It’s a good idea to do price comparisons every six months because prices are constantly changing. Just because you had the lowest rates on Toyota Highlander insurance in Philadelphia a couple years back there may be better deals available now. You can find a lot of information about Highlander insurance online, but I’m going to show you some solid techniques on how to find affordable car insurance in Philadelphia.
Our goal is to teach you how car insurance works. If you have a policy now, you will be able to reduce premiums using these techniques. You only need to know the fastest way to buy auto insurance from many companies at once.
Finding Toyota Highlander insurance in Philadelphia
The auto insurance companies shown below are our best choices to provide comparison quotes in Philadelphia, PA. If multiple companies are listed, we recommend you visit as many as you can to find the cheapest auto insurance rates.
Auto insurance statistics and figures
The rate table displayed below highlights estimates of insurance premium costs for Toyota Highlander models. Learning how insurance policy premiums are formulated can help drivers make informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Highlander 2WD | $174 | $272 | $444 | $26 | $134 | $1,050 | $88 |
| Highlander 4WD | $196 | $332 | $444 | $26 | $134 | $1,132 | $94 |
| Highlander Sport 4WD | $196 | $332 | $444 | $26 | $134 | $1,132 | $94 |
| Highlander SE 2WD | $196 | $332 | $444 | $26 | $134 | $1,132 | $94 |
| Highlander Sport 2WD | $196 | $332 | $444 | $26 | $134 | $1,132 | $94 |
| Highlander Limited 2WD | $220 | $390 | $444 | $26 | $134 | $1,214 | $101 |
| Highlander SE 4WD | $220 | $390 | $444 | $26 | $134 | $1,214 | $101 |
| Highlander Limited 4WD | $220 | $390 | $444 | $26 | $134 | $1,214 | $101 |
| Highlander Hybrid 4WD | $220 | $390 | $444 | $26 | $134 | $1,214 | $101 |
| Highlander Hybrid Limited 4WD | $220 | $390 | $444 | $26 | $134 | $1,214 | $101 |
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania 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 affect prices noticeably.
Policy deductible comparison
One of the more difficult decisions when buying auto insurance is how high should the physical damage coverage deductibles be. The comparisons below determine the costs and benefits of buying low and high deductibles. The first rate estimation uses a $250 comprehensive and collision deductible and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Highlander 2WD | $254 | $352 | $330 | $20 | $98 | $1,079 | $90 |
| Highlander 4WD | $288 | $428 | $330 | $20 | $98 | $1,189 | $99 |
| Highlander Sport 4WD | $288 | $428 | $330 | $20 | $98 | $1,189 | $99 |
| Highlander SE 2WD | $288 | $428 | $330 | $20 | $98 | $1,189 | $99 |
| Highlander Sport 2WD | $288 | $428 | $330 | $20 | $98 | $1,189 | $99 |
| Highlander Limited 2WD | $320 | $506 | $330 | $20 | $98 | $1,299 | $108 |
| Highlander SE 4WD | $320 | $506 | $330 | $20 | $98 | $1,299 | $108 |
| Highlander Limited 4WD | $320 | $506 | $330 | $20 | $98 | $1,299 | $108 |
| Highlander Hybrid 4WD | $320 | $506 | $330 | $20 | $98 | $1,299 | $108 |
| Highlander Hybrid Limited 4WD | $320 | $506 | $330 | $20 | $98 | $1,299 | $108 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Highlander 2WD | $206 | $284 | $330 | $20 | $98 | $938 | $78 |
| Highlander 4WD | $234 | $346 | $330 | $20 | $98 | $1,028 | $86 |
| Highlander Sport 4WD | $234 | $346 | $330 | $20 | $98 | $1,028 | $86 |
| Highlander SE 2WD | $234 | $346 | $330 | $20 | $98 | $1,028 | $86 |
| Highlander Sport 2WD | $234 | $346 | $330 | $20 | $98 | $1,028 | $86 |
| Highlander Limited 2WD | $260 | $408 | $330 | $20 | $98 | $1,116 | $93 |
| Highlander SE 4WD | $260 | $408 | $330 | $20 | $98 | $1,116 | $93 |
| Highlander Limited 4WD | $260 | $408 | $330 | $20 | $98 | $1,116 | $93 |
| Highlander Hybrid 4WD | $260 | $408 | $330 | $20 | $98 | $1,116 | $93 |
| Highlander Hybrid Limited 4WD | $260 | $408 | $330 | $20 | $98 | $1,116 | $93 |
| Get Your Own Customized Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rates do not factor in garaging location in Philadelphia which can revise rates noticeably.
Based on the figures above, using a $250 deductible will cost you about $14 more each month or $168 every year across all Toyota Highlander models than choosing the higher $500 deductible. Since you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you have at least 18 months between claim filings, you would save more money if you elect the higher deductible.
The diagram below demonstrates how choosing different deductibles and can impact Toyota Highlander insurance prices for each different age category. The premium estimates are based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.
Toyota Highlander insurance rates: Men versus women
The chart below visualizes the comparison of Toyota Highlander yearly insurance costs for male and female drivers. The rate quotes are based on no claims or driving citations, comprehensive and collision coverage, $250 deductibles, drivers are single, and no discounts are taken into consideration.
Your situation helps dictate your coverage
When it comes to insurance from an agent or online, there isn’t really a cookie cutter policy. Everyone’s situation is unique.
For instance, these questions may help you determine whether or not you will benefit from professional help.
- Is my Toyota Highlander covered for smoke damage?
- Does my liability insurance cover pulling a trailer or camper?
- Is coverage enough to protect my assets?
- What is roadside assistance coverage?
- When should I buy a commercial auto policy?
- What discounts do I qualify for?
- Can I afford to buy a different vehicle if my Toyota Highlander is totaled?
- Do I pay less for low miles?
If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form. It only takes a few minutes and can help protect your family.
Are insurance agents used anymore?
A lot of people still like to sit down and talk to an agent. Good agents are highly skilled in risk management and help you file claims. One of the best bonuses of getting free rate quotes online is the fact that you can find lower prices and also buy local. And supporting local insurance agents is still important in Philadelphia.
To make it easy to find an agent, after completing this short form, the coverage information is sent to insurance agents in Philadelphia that can give you free Philadelphia car insurance quotes and help you find cheaper coverage. It makes it easy because there is no need to leave your house because quoted prices will be sent directly to you. If you want to get a comparison quote from a specific insurance provider, you just need to jump over to their website and complete a quote there.
If you are wanting to find a local agent, you need to know there are two types of agencies from which to choose. Insurance agencies in Philadelphia can be categorized as either independent or exclusive. Both write policy coverage, but it’s good to learn the difference in how they write coverage because it can impact your selection of an agent.
Independent Insurance Agents (or Brokers)
Agents of this type do not work for one specific company and that allows them to write policies with a variety of different insurance companies and find the cheapest insurance rates. If they find a lower price, they simply move the coverage in-house and you stay with the same agent. When shopping rates, you absolutely need to get insurance quotes from multiple independent agents in order to compare the most rates. Most have the option of insuring with companies you’ve never heard of which can be an advantage.
The following is a small list of independent insurance agents in Philadelphia who may be able to give you free insurance rate quotes.
- Fabey Insurance Agency
619 E Girard Ave – Philadelphia, PA 19125 – (215) 425-7640 – View Map - The Perzel Agency, Inc.
7338 Frankford Ave – Philadelphia, PA 19136 – (215) 335-6878 – View Map - Kowalewski Jawork Insurance Agency Inc
706 S 5th St – Philadelphia, PA 19147 – (215) 922-1222 – View Map
Exclusive Insurance Agencies
Exclusive agents can only provide one company’s prices such as Farmers Insurance or State Farm. Exclusive agents are unable to place coverage with different providers so they have to upsell other benefits. Exclusive agents are usually quite knowledgeable on their products and sales techniques and that can be a competitive advantage. Some insured continue to use the same exclusive agent primarily because of high brand loyalty and solid financial strength.
The following are Philadelphia exclusive agents who can help you get comparison quotes.
- Mike Hickey – State Farm Insurance Agent
86 Bethlehem Pike – Philadelphia, PA 19118 – (215) 753-1501 – View Map - Kevin Lowber – State Farm Insurance Agent
1347 E Hunting Park Ave – Philadelphia, PA 19124 – (215) 533-9010 – View Map - Brian Madalion – State Farm Insurance Agent
7208 Ogontz Ave – Philadelphia, PA 19138 – (215) 549-4900 – View Map
Finding a good car insurance agent should depend on more than just the premium amount. Any good agent in Philadelphia should know the answers to these questions.
- Does the agency have a positive business rating?
- How long has the business existed?
- How much training do they have in personal risk management?
- Which companies do they recommend if they are an independent agency?
- Which companies can they place coverage with?
- Are aftermarket or OEM parts used to repair vehicles?
- Do they have any clout with companies to ensure a fair claim settlement?