Cheaper 2010 Toyota Prius Insurance Quotes

Are you irritated from scraping nickels together to buy insurance? You’re in the same situation as millions of other drivers.

Popular companies such as Geico, 21st Century and Progressive promote their brand names with TV and radio ads and it is difficult to see through the cute green geckos and mayhem and do the work needed to find the best deal.

It’s a good idea to get comparison quotes yearly because insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the best price for Prius coverage at your last renewal you can probably find a lower rate today. Don’t believe everything you read about insurance out there, but we’re going to give you a bunch of ideas how to save money.

If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using this information. Finding the best rates is not rocket science. But car owners must learn how insurance companies determine prices.

How much does insurance cost?

To find affordable car insurance quotes, there are several ways to get quotes from companies that offer insurance in your state. One of the best ways to find the lowest 2010 Toyota Prius rates is to perform an online rate comparison. It’s really quite simple and can be done by using one of the methods below.

1. If you are pressed for time, the simplest way consumers can analyze rates is to use a rate comparison form (click to open form in new window). This type of form prevents you from having to do boring form submissions for each company. A single, simple form gets you coverage quotes from all major companies.
2. A more difficult way to get comparison quotes consists of visiting each individual company website and get a separate price quote. For sake of this example, we’ll assume you want to view quotes from Auto-Owners, Geico and Progressive. In order to get each rate, you would have to spend time going to each site individually and punch in your information repeatedly, which is why the first method is quicker.

   For a handy list of car insurance company links in your area, click here.

However you get your quotes, be certain you are entering equivalent information for every quote you compare. If each company quotes different coverage information you can’t possibly get a fair rate comparison. Slightly different coverages could skew the results. Just remember that more quotes provides better odds of finding a lower rate than you’re paying now.

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Find hidden discounts on insurance

The price of auto insurance can be rather high, but there are discounts available that can help lower your rates. Some discounts apply automatically when you purchase, but lesser-known reductions have to be asked for prior to getting the savings.

• Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education if it’s offered in school.
• Save with a New Car – Insuring a vehicle that is new can be considerably cheaper since new model year vehicles are generally safer.
• Pay Upfront and Save – If you can afford to pay the entire bill rather than paying monthly you can avoid monthly service charges.
• Safety Course Discount – Taking a safe driver class may get you a small discount and also improve your driving technique.
• Discount for Multiple Policies – If you can bundle your auto and home insurance with the same company you will save at least 10 to 15 percent or more.
• Passenger Safety Discount – Vehicles equipped with air bags can qualify for discounts of 20 to 30 percent.
• Accident Free – Claim-free drivers pay less in comparison to drivers with a long claim history.
• Accident Forgiveness – Not really a discount, but companies like Geico, Progressive, and Allstate permit an accident before they charge you more for coverage so long as you haven’t had any claims for a specific time period.
• Memberships – Being a member of a civic or occupational organization is a simple method to lower premiums on your next renewal.

One thing to note about discounts is that most credits do not apply the the whole policy. Some only reduce specific coverage prices like medical payments or collision. So even though it sounds like all those discounts means the company will pay you, that’s just not realistic.

Some of the insurance companies that possibly offer these benefits include:

• American Family
• State Farm
• 21st Century
• Travelers
• Geico

If you need cheap car insurance quotes, ask every company which discounts can lower your rates. Some discounts might not apply in every state.

Tailor your car insurance coverage to you

When choosing coverage for your personal vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions can help discover if you could use an agent’s help.

• Should I buy additional glass protection?
• What happens if I owe more than my 2010 Toyota Prius is worth?
• Do all my vehicles need collision coverage?
• What is covered by UM/UIM coverage?
• Can I still get insurance after a DUI?
• Should I drop comprehensive coverage on older vehicles?
• Do I need medical payments coverage since I have good health insurance?
• Why do I only qualify for high-risk insurance?
• Am I covered if I wreck a rental car?
• Will I lose any money if I cancel my policy before it expires?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

The coverage is in the details

Learning about specific coverages of your insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages found on the average insurance policy.

Auto liability insurance

This coverage protects you from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like repair bills for other people’s vehicles, medical expenses, bail bonds, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Comprehensive (Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hitting a deer, rock chips in glass, hitting a bird and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage

Collision insurance will pay to fix damage to your Prius caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with another moving vehicle, hitting a mailbox, hitting a parking meter and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your 2010 Toyota Prius.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for expenses like chiropractic care, funeral costs, nursing services, doctor visits and ambulance fees. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

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A fool and his money are soon parted

When trying to cut insurance costs, do not buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped physical damage coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy enough coverage for the lowest cost while not skimping on critical coverages.

We just covered some good ideas how you can shop for 2010 Toyota Prius insurance online. The most important thing to understand is the more times you quote, the better your chances of lowering your prices. Consumers could even find that the lowest premium rates are with some of the smallest insurance companies. These smaller insurers may have significantly lower prices on certain market segments compared to the large companies like Allstate, Geico and Progressive.

Other resources

• Older Driver Statistics (Insurance Information Insitute)
• Comprehensive Coverage (Liberty Mutual)
• Information for Teen Drivers (Geico)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• How to Avoid Staged Accidents (State Farm)

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