2013 Toyota Prius Car Insurance Quotes

Searching for cheaper insurance rates? Consumers have many options when looking for the best price on Toyota Prius insurance. They can either spend hours struggling with agents to compare prices or utilize the internet to get rate quotes. There is a better way to find insurance online so you’re going to learn the best way to quote coverages for a Toyota and obtain the lowest price from local insurance agents and online providers.

Cheap insurance quotes

There are multiple methods to compare insurance quotes, but some are less labor-intensive and much quicker. You can spend your afternoon talking about coverages with insurance agencies in your area, or you can stay home and use the internet to get pricing more quickly.

Many insurance companies participate in a marketplace where insurance shoppers enter their coverage request one time, and each company returns a rated price for coverage. This saves time by eliminating quote forms for each company.

To compare rates now click here to start a free quote.

The single downside to using this type of system is you are unable to specify the companies you want pricing from. If you wish to select specific insurance companies for rate comparison, we have a listing of low cost insurance companies in your area. Click here for list of insurance companies.

Compare rates however you want, just be certain you are entering equivalent information for each price quote. If you compare higher or lower deductibles it will be next to impossible to get a fair rate comparison.

When to get professional advice

When it comes to choosing the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Each situation is unique.

These are some specific questions could help you determine whether your personal situation might need an agent’s assistance.

• What should my uninsured motorist coverage limits be in my state?
• Is business property covered if stolen from my car?
• Where can I find DUI or SR-22 insurance?
• Am I missing any policy discounts?
• Should I sign the liability waiver when renting a car?
• What is no-fault insurance?
• Is there coverage for injuries to my pets?
• Can I afford to pay high deductible claims out of pocket?
• Do I have coverage for damage caused while driving under the influence?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Coverages available on your policy

Learning about specific coverages of a insurance policy can help you determine the best coverages for your vehicles. Insurance terms can be ambiguous and reading a policy is terribly boring.

Comprehensive (Other than Collision) – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as fire damage, rock chips in glass, falling objects, hitting a deer and vandalism. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability – This coverage can cover injuries or damage you cause to a person or their property. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as pain and suffering, repair bills for other people’s vehicles, repair costs for stationary objects, medical expenses and bail bonds. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision coverages – This pays for damage to your Prius resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like hitting a mailbox, sideswiping another vehicle, damaging your car on a curb and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for chiropractic care, ambulance fees, funeral costs and dental work. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay