How long has it been since you compared quotes for more competitive Toyota Highlander insurance in Kansas City? Being forced to pay for overpriced insurance premiums can consume your bank account and possibly require postponing other expenditures.
It’s safe to conclude that car insurance companies don’t want you to look for a cheaper policy. People who shop around annually will probably switch insurance companies because there is a good probability of finding lower prices. Surprisingly, a recent survey revealed that drivers who compared price quotes annually saved $72 a month as compared to drivers who never shopped around for lower prices.
If finding the best rates on insurance is your ultimate objective, knowing how to get rate quotes and compare car insurance can make the process more efficient.
How to find more affordable Toyota Highlander insurance in Kansas City
To save the most money, the best way to get affordable car insurance rates is to start comparing rates regularly from insurers in Kansas City. You can shop around by following these guidelines.
- Take a few minutes and learn about how insurance works and the changes you can make to drop your rates. Many rating factors that increase rates such as at-fault accidents, speeding tickets, and poor credit history can be amended by making lifestyle changes or driving safer. Keep reading for more ideas to prevent high prices and find overlooked discounts.
- Quote rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO or Farmers Insurance, while independent agents can give you price quotes from multiple sources.
- Compare the price quotes to your existing rates to see if a cheaper price is available. If you find a lower rate and decide to switch, make sure there is no lapse in coverage.
- Provide proper notification to your current company to cancel your existing policy. Submit the required down payment along with the signed application for your new policy. Don’t forget to keep the new proof of insurance certificate in your glove compartment.
The key aspect of shopping around is that you use the same physical damage deductibles and liability limits on each price quote and and to get quotes from as many different companies as possible. This helps ensure an apples-to-apples comparison and many rates to choose from.
There is such a variety of auto insurance companies to choose from, and even though it’s nice to be able to choose, more choices can make it harder to compare rates and find the lowest cost insurance.
Shop Toyota Highlander insurance online
Getting a cheap price on insurance is actually easier than you may think. All that’s required is to invest a few minutes getting comparison quotes to discover which company has affordable Kansas City car insurance quotes.
Comparing free rate quotes online is easy and it, takes the place of having to actually drive to and from local Kansas City insurance agencies. Quoting Toyota Highlander insurance online eliminates the need for an insurance agent unless you require the peace of mind of a licensed agent. If you prefer, some companies allow you to compare the best prices online but have a local agent actually write the policy.
The companies shown below are ready to provide quotes in Missouri. In order to find cheap auto insurance in MO, we recommend you click on several of them in order to get a fair rate comparison.
Cheaper Kansas City car insurance rates with discounts
Some insurance providers don’t always advertise every policy discount very well, so the following is a list of both well-publicized and the more hidden discounts that you may qualify for.
- Theft Prevention Discount – Cars and trucks with anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
- Organization Discounts – Having an affiliation with qualifying employment or professional organizations is a simple method to lower premiums on your next renewal.
- Military Rewards – Having a deployed family member could qualify you for better car insurance rates.
- Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to use a seat belt could save 15% off the PIP or medical payment premium.
- Low Mileage – Low annual miles can earn better premium rates on cars that stay parked.
- Multi-Vehicle Discounts – Buying a policy with all your vehicles with the same car insurance company may reduce the rate for each vehicle.
- Government Employees – Federal government employees may reduce rates when you quote Kansas City car insurance with a few car insurance companies.
You should keep in mind that many deductions do not apply to the overall cost of the policy. Most only reduce specific coverage prices like liability and collision coverage. So even though you would think having all the discounts means you get insurance for free, nobody gets a free ride. But any discount will definitely reduce your car insurance premiums.
The information below illustrates the comparison of Toyota Highlander car insurance costs with and without policy discounts. The data is based on a female driver, no accidents or driving violations, Missouri state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, multi-car, marriage, homeowner, and claim-free discounts applied.
A list of car insurance companies and some of their more popular discounts include:
- GEICO may offer discounts for multi-vehicle, emergency military deployment, military active duty, seat belt use, and multi-policy.
- Auto-Owners Insurance offers discounts for student away at school, multiple vehicles, company car, anti-lock brakes, anti-theft, and paid in full.
- American Family offers discounts including defensive driver, multi-vehicle, bundled insurance, good driver, mySafetyValet, air bags, and Steer into Savings.
- Esurance policyholders can earn discounts including renters, good driver, claim free, online quote, and anti-theft.
- Progressive may include discounts for multi-policy, homeowner, multi-vehicle, online signing, good student, and continuous coverage.
- State Farm has discounts for accident-free, student away at school, Steer Clear safe driver discount, safe vehicle, Drive Safe & Save, anti-theft, and multiple autos.
- AAA may have discounts that include multi-car, AAA membership discount, good student, anti-theft, multi-policy, pay-in-full, and education and occupation.
Before purchasing a policy, check with all companies you are considering what discounts are available to you. Savings might not apply in Kansas City. To find insurers who offer free Toyota Highlander insurance quotes in Kansas City, click this link.
Toyota Highlander coverage analysis
The premium information shown below covers detailed analysis of coverage costs for Toyota Highlander models. Understanding how insurance premiums are determined can help you make smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Highlander 2WD | $234 | $286 | $348 | $20 | $104 | $992 | $83 |
| Highlander 4WD | $264 | $346 | $348 | $20 | $104 | $1,082 | $90 |
| Highlander Sport 4WD | $264 | $346 | $348 | $20 | $104 | $1,082 | $90 |
| Highlander SE 2WD | $264 | $346 | $348 | $20 | $104 | $1,082 | $90 |
| Highlander Sport 2WD | $264 | $346 | $348 | $20 | $104 | $1,082 | $90 |
| Highlander Limited 2WD | $296 | $408 | $348 | $20 | $104 | $1,176 | $98 |
| Highlander SE 4WD | $296 | $408 | $348 | $20 | $104 | $1,176 | $98 |
| Highlander Limited 4WD | $296 | $408 | $348 | $20 | $104 | $1,176 | $98 |
| Highlander Hybrid 4WD | $296 | $408 | $348 | $20 | $104 | $1,176 | $98 |
| Highlander Hybrid Limited 4WD | $296 | $408 | $348 | $20 | $104 | $1,176 | $98 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Table data does not factor in specific zip code location which can affect price quotes considerably.
Higher deductibles save money
When shopping for auto insurance, a common question is the level to set your comp and collision deductibles. The following tables highlight the price difference when you select higher and lower physical damage deductibles. The first rate comparisons uses a $100 physical damage coverage deductible and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Highlander 2WD | $230 | $340 | $266 | $16 | $80 | $957 | $80 |
| Highlander 4WD | $258 | $414 | $266 | $16 | $80 | $1,059 | $88 |
| Highlander Sport 4WD | $258 | $414 | $266 | $16 | $80 | $1,059 | $88 |
| Highlander SE 2WD | $258 | $414 | $266 | $16 | $80 | $1,059 | $88 |
| Highlander Sport 2WD | $258 | $414 | $266 | $16 | $80 | $1,059 | $88 |
| Highlander Limited 2WD | $288 | $488 | $266 | $16 | $80 | $1,163 | $97 |
| Highlander SE 4WD | $288 | $488 | $266 | $16 | $80 | $1,163 | $97 |
| Highlander Limited 4WD | $288 | $488 | $266 | $16 | $80 | $1,163 | $97 |
| Highlander Hybrid 4WD | $288 | $488 | $266 | $16 | $80 | $1,163 | $97 |
| Highlander Hybrid Limited 4WD | $288 | $488 | $266 | $16 | $80 | $1,163 | $97 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Highlander 2WD | $168 | $230 | $266 | $16 | $80 | $760 | $63 |
| Highlander 4WD | $188 | $280 | $266 | $16 | $80 | $830 | $69 |
| Highlander Sport 4WD | $188 | $280 | $266 | $16 | $80 | $830 | $69 |
| Highlander SE 2WD | $188 | $280 | $266 | $16 | $80 | $830 | $69 |
| Highlander Sport 2WD | $188 | $280 | $266 | $16 | $80 | $830 | $69 |
| Highlander Limited 2WD | $210 | $330 | $266 | $16 | $80 | $902 | $75 |
| Highlander SE 4WD | $210 | $330 | $266 | $16 | $80 | $902 | $75 |
| Highlander Limited 4WD | $210 | $330 | $266 | $16 | $80 | $902 | $75 |
| Highlander Hybrid 4WD | $210 | $330 | $266 | $16 | $80 | $902 | $75 |
| Highlander Hybrid Limited 4WD | $210 | $330 | $266 | $16 | $80 | $902 | $75 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rate quotes do not factor in zip code location which can modify insurance rates significantly.
Based on the above data, using a $100 deductible costs an average of $21 more each month or $252 each year averaged for all Highlander models than requesting the higher $500 deductible. Since you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you go at least 19 months between claims, you would probably be better off if you choose a higher deductible.
How to determine when to raise deductibles
| Average monthly premium for $100 deductibles: | $92 |
| Average monthly premium for $500 deductibles (subtract): | – $71 |
| Monthly savings from raising deductible: | $21 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $21 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
One thing to note is that raising deductibles results in having to pay to pay more out-of-pocket at claim time. You should have enough extra money in the event you have to pay the higher deductible in order to repair your vehicle.
Auto insurance rates based on gender
The illustration below compares Toyota Highlander car insurance costs for male and female drivers. Data assumes no tickets, no at-fault accidents, full coverage, $100 deductibles, drivers are not married, and no policy discounts are applied.
Cost of full coverage
The diagram below compares Toyota Highlander insurance rates with full coverage compared to only the Missouri minimum liability coverage. The prices are based on no driving violations, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are applied.
Guidelines for dropping full coverage
There is no definitive formula of when to stop paying for comprehensive and collision coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is 10% or more of the replacement cost minus the deductible, then it might be time to buy liability only.
For example, let’s say your Toyota Highlander replacement cost is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would receive is $3,000 after paying your deductible. If it’s costing in excess of $300 a year for your policy with full coverage, then it may be the right time to buy liability only.
There are some scenarios where eliminating full coverage is not a good idea. If you have an outstanding loan on your vehicle, you have to maintain full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not remove full coverage.
Auto insurance quotes from local Kansas City insurance agencies
Certain consumers still like to get professional advice from a licensed agent and doing that can be a smart decision Good agents can answer important questions and give you someone to call. A good thing about comparing auto insurance online is the fact that you can find cheap auto insurance quotes and still have a local agent. Supporting small agencies is especially important in Kansas City.
By using this form (opens in new window), your coverage information is submitted to participating agents in Kansas City who will give you quotes for your insurance coverage. You won’t need to search for an agent since price quotes are sent straight to your inbox. If you want to get a price quote from one company in particular, don’t hesitate to jump over to their website and complete a quote there.
When narrowing the list to find a local Kansas City insurance agent, you should know the different agency structures and how they differ in how they can insure your vehicles. Auto insurance agents in Kansas City can be classified as either independent or exclusive depending on the company they work for. Both types can sell affordable auto insurance policies, but it’s good to learn the difference in the companies they write for because it can factor into buying decisions.
Independent Auto Insurance Agents
Agents that elect to be independent are normally appointed by many insurers and that gives them the ability to insure through many companies and find you the best rates. If your premiums go up, the business is moved internally which makes it simple for you.
If you need cheaper auto insurance rates, you definitely need to include price quotes from a few independent agents so that you have a good selection of quotes to compare.
Shown below is a partial list of independent agencies in Kansas City that may be able to provide pricing information.
Nestel Insurance Agency
9233 Ward Pkwy #124 – Kansas City, MO 64114 – (816) 361-6442 – View Map
Antioch Insurance Agency
214 NE Barry Rd – Kansas City, MO 64155 – (816) 454-0400 – View Map
Northland Independent Insurance Group
5575 NW Barry Rd – Kansas City, MO 64154 – (816) 587-1826 – View Map
Exclusive Insurance Agencies
Exclusive agencies normally can only provide a single company’s rates like Allstate and State Farm. These agents are unable to give you multiple price quotes so they have to upsell other benefits. They are well schooled on their company’s products which helps them sell on service rather than price.
Shown below are exclusive insurance agencies in Kansas City that can give you comparison quotes.
Farmers Insurance – Deborah York
5775 NW 64th Terrace #201 – Kansas City, MO 64151 – (816) 746-4443 – View Map
Chris Hoy – State Farm Insurance Agent
8640 Green Hills Road #40 – Kansas City, MO 64154 – (816) 436-8400 – View Map
Tim Dugan – State Farm Insurance Agent
6453 N Cosby Ave – Kansas City, MO 64151 – (816) 746-1300 – View Map
Choosing the best insurance agency requires you to look at more than just the price. Agents should be asked these questions:
- Is working in the agency their full-time job?
- Is the agency active in community causes in Kansas City?
- Did they already check your driving record and credit reports?
- Is vehicle damage repaired with OEM or aftermarket parts?
- If independent agents, which companies do they recommend?
- How long has their agency been open in Kansas City?
- What discounts might you be missing?
Upon receiving reasonable responses to your questions and low cost Toyota Highlander insurance quotes, you’ve probably found an insurance agency that can be relied on to insure your vehicles.
Detailed coverages of your car insurance policy
Having a good grasp of your policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages available from car insurance companies.
Liability coverages
Liability coverage can cover damage that occurs to other’s property or people. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/10 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $10,000. Some companies may use a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.
Liability can pay for claims like structural damage, loss of income, court costs and bail bonds. How much coverage you buy is up to you, but you should buy higher limits if possible. Missouri requires drivers to carry at least 25/50/10 but you should think about purchasing more liability than the minimum.
The chart below demonstrates why buying the state minimum limits may not be enough.
Comprehensive insurance
This coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things like theft, damage from a tornado or hurricane and vandalism. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Med pay and Personal Injury Protection (PIP)
Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like ambulance fees, doctor visits and prosthetic devices. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants as well as being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage
Collision coverage
Collision insurance covers damage to your Highlander resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage protects against claims such as damaging your car on a curb, sustaining damage from a pot hole and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible on your Highlander to bring the cost down.
Uninsured/Underinsured Motorist (UM/UIM)
This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers carry very low liability coverage limits (Missouri limits are 25/50/10), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently the UM/UIM limits are similar to your liability insurance amounts.
One last note
As you shop your coverage around, you should never skimp on coverage in order to save money. In many cases, an insured dropped liability coverage limits and found out when filing a claim that it was a big mistake. Your aim should be to find the BEST coverage at the best price, but do not sacrifice coverage to save money.
Budget-friendly insurance in Kansas City can be found both online as well as from insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies don’t offer price quotes online and usually these regional carriers work with independent insurance agencies.
Steps to buying cheaper Toyota Highlander insurance in Kansas City
If you want to save money, the best way to get cheaper Toyota Highlander insurance is to start comparing rates regularly from insurance carriers who sell auto insurance in Kansas City.
- Learn about what is in your policy and the modifications you can make to prevent expensive coverage. Many policy risk factors that cause rate increases like distracted driving and a substandard credit score can be improved by making minor changes to your lifestyle.
- Get rate quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can provide rates from a single company like GEICO or Allstate, while independent agents can quote prices from multiple insurance companies.
- Compare the new rate quotes to your existing coverage to see if cheaper Highlander coverage is available in Kansas City. If you find a lower rate, make sure coverage does not lapse between policies.
The key thing to remember is to compare identical limits and deductibles on each quote request and and to get quotes from as many different insurance providers as possible. Doing this guarantees an accurate price comparison and the most accurate and complete price analysis.
For more information, feel free to browse the following helpful articles:
- Tools for Teen Driving Safety (State Farm)
- How Much is Kansas City Auto Insurance for a Honda Civic? (FAQ)
- Who Has Affordable Auto Insurance Rates for a Company Car in Kansas City? (FAQ)
- All About Airbag Safety (State Farm)
- Vehicle Safety Ratings (iihs.org)
- Help Your Teen Be a Better Driver (State Farm)