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What is the cost of ownership, particularly car insurance? If you would like to learn how to save on your Toyota Highlander insurance premiums with a Highlander, continue reading.
The Highlander is an SUV in Toyota’s lineup. With an mpg of 20/25 and a sticker price just above $28,000 it is a relatively reasonable choice. Though when purchasing a new car, one has to consider factors other than MSRP.
Insurance premiums tend to vary from driver to driver and insurer to insurer. One of the best ways to ensure that you get the lowest premium is to do your research. Get at least 3 quotes from different companies so that you can compare and contrast.
While that first company might have quoted you the best offer, it’s still good to have options and to be able to compare. What one insurance company offers in incentives and discounts, the other might not.
Make sure you have a clean driving history, as this is also a very big factor in reducing your rates. A clean driving history is usually a sign of a conscientious driver. Other factors like having a good credit score can also help, also being a good sign of a person’s degree of responsibility.
Being a midsize crossover, the Highlander can easily seat up to seven passengers; however, it is still one of the smaller SUVs in its class. The third row seat is reportedly smaller than the competition’s, and is best equipped to seat children.
The Highlander comes in 3 trims: base, SE, and Limited. The base model comes standard with long list of features that make it attractive enough to purchase without upgrading. However, the SE adds quite a bit of luxury features to the mix:
The Limited further decks the Highlander out with keyless ignition and entry, tri-zone automatic climate control, and a more refined leather upholstery.
It comes standard with a 2.7 liter 4 cylinder engine on the base model, though for those looking for a spirited ride, upgrading might be the ticket. All other trim levels sport a fuel-efficient 3.5 liter V6 that provides ample power to delight driving enthusiasts.
Even the type of car you own can lower or raise your rates, so safety ratings are an important factor to consider.
The 2012 Highlander, for example, has received high scores from the NHTSA. It’s gotten 5/5 stars in side impact crash tests, and 4/5 stars in front and rollover crash tests. Overall it scores at 4/5 stars. The 2012 Highlander hasn’t been tested by the IIHS yet; however, if the 2011 model was recognized as a Top Safety Pick.
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