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2021 Toyota Highlander — 120k one-owner car versus 70k with thin history

OldSchoolBuyer653Community StarterJan 18, 20262021 Toyota Highlander XLEConnecticut
The higher-mileage car has detailed records and consistent ownership; the lower-mileage example has sparse history. If both inspect well, how much weight do you put on maintenance history versus odometer?
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4 replies

GarageDaily716Community StarterCommunity StarterJan 18, 2026permalink
Don't send a deposit on a phone quote. I would not wire money until I've seen the 2021 Toyota Highlander and the title situation in person or via a trusted PPI. Screenshot the worksheet if you can. Have you gotten a second quote in writing? Calling insurance in the morning before I reply to the desk.
TowWeekend964Community StarterCommunity StarterJan 19, 2026permalink
Walk if they won't put it on a buyer’s order. In Connecticut, insurance quotes flipped a 2021 Toyota Highlander comparison for me more than the sale price did. Then the comparison gets honest. This is from a 2021 Toyota Highlander in Connecticut. Post the numbers (or the code) and people can get more specific. I'll update if anything new shows up.
TrailGeek611Community StarterCommunity StarterJan 19, 2026permalink
Treat this like a math problem, not a vibe. Ask for out-the-door on the 2021 Toyota Highlander with fees, add-ons, and rate on separate lines. Do that before you talk monthly again. Run the total, not the monthly, before you commit. Going to re-read the worksheet tonight.
WeekendEnthusiast189Community StarterCommunity StarterJan 19, 2026permalink
I would not stare at the monthly. Two 2021 Toyota Highlander quotes only help if both include tax, title, and the same options. Then the comparison gets honest. Learned this the expensive way on a previous car. Calling insurance in the morning before I reply to the desk.
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