Compare 2013 Toyota Prius v Car Insurance Quotes

Trying to find the cheapest insurance rates for your Toyota Prius v? Tired of scraping nickels together to pay high insurance rates every month? You are no different than many other consumers.

Vehicle owners have so many insurance companies to insure vehicles with, and although it’s a good thing to have a selection, more choices can make it harder to compare rates and cut insurance costs.

Finding the best rates is easy if you know what you’re doing. If you are paying for car insurance now, you should be able to reduce your rates substantially using this information. But vehicle owners must learn how insurance companies market on the web and take advantage of how the system works.

How you can control Toyota Prius v insurance prices

The best way to find cheaper insurance is to take a look at some of the elements that are used to determine insurance rates. When you know what positively or negatively determines premiums, this helps enable you to make changes that can help you get lower premium levels.

• How much liability protection – The liability coverage on your policy will afford coverage in the event that you are determined to be liable for damages from an accident. Your liability coverage provides you with a defense in court which can cost a lot. It is affordable coverage compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
• Your gender affects costs – Statistics have proven women tend to be less risk to insure than men. The data does not necessarily mean that women are better drivers. Both sexes have accidents at a similar rate, but the male of the species have costlier accidents. Not only are claims higher, but men get ticketed for serious violations such as DWI and reckless driving.
• Deter car thieves – Choosing a vehicle with an alarm system can save you some money. Theft prevention devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder your vehicle from being stolen.
• Lower comp and collision deductibles cost more – Protection for physical damage, termed comprehensive and collision coverage on your policy, covers your vehicle from damage. Examples of some claims that would be covered are a windshield shattered by a rock, flood damage, or theft. The deductibles define the amount you are willing to pay out-of-pocket if a covered claim is submitted. The more of the claim the insured has to pay upfront, the lower your rates will be for Prius v insurance.
• Premiums and your address – Residing in smaller towns and rural areas of the country has it’s advantages when shopping for auto insurance. People in densly populated areas tend to have more auto accidents and much longer commute distances. Less people translates into fewer accidents in addition to fewer liability claims.
• Always have insurance – Driving without insurance coverage in place is not a good idea and as a result your rates will increase for letting your insurance lapse for non-payment. In addition to paying higher rates, failure to provide proof of insurance will get you a fine, jail time, or a revoked license. You could then be forced to file a SR-22 with your state DMV.
• Age of drivers – Older insureds have been proven to be more responsible, are lower risk to insure and tend to be get fewer driving tickets.Beginning drivers are proven to be less responsible when behind the wheel therefore insurance rates are much higher.
• Safer occupants lowers premiums – Safer cars are cheaper to insure. Highly rated vehicles have better occupant injury protection and reduced instances of injuries means less claims paid and lower rates for you.

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How to compare car insurance price quotes

The are a couple different ways of comparing rate quotes from car insurance companies in your area. The easiest way to compare Toyota Prius v insurance prices is to perform an online rate comparison. This can be done in a couple minutes as outlined below.

1. The most efficient way consumers can make multiple comparisons would be an industry-wide quote request form click here to open form in new window. This type of form eliminates the need for a different quote for each company. A single form gets rate comparisons from multiple low-cost companies.
2. A slightly less efficient method to find more affordable insurance is spending the time to visit each individual company website and get a separate price quote. For instance, we’ll pretend you are doing a rate comparison from Nationwide, State Farm and Farmers. In order to get each rate, you would have to visit each site and enter your policy data, which is why most consumers use the first method.

   To view a list of companies in your area, click here.

3. The least recommended way to compare rates is actually driving to different agent offices. Buying insurance online has made agencies unnecessary unless you want the professional assistance only provided by licensed agents. Although you can obtain prices from the web and get advice from an agent in your area.

The approach you take is up to you, just make sure you compare equivalent information for each price quote. If you compare differing limits it’s not possible to determine which company has the best rates. Slightly different coverage limits may result in large price differences. And when quoting car insurance, remember that comparing more company’s prices will improve the odds of getting the best price.

More discounts mean cheaper premiums

Properly insuring your vehicles can get expensive, but you may be missing some discounts to help bring down the price. A few discounts will automatically apply when you complete an application, but a few need to be manually applied before you get the savings.

• Senior Citizens – Older drivers may receive a small decrease in premiums for Prius v insurance.
• Clubs and Organizations – Affiliation with a qualifying organization can get you a small discount on your next auto insurance statement.
• Low Miles Discount – Keeping the miles down on your Toyota could earn better auto insurancerates on cars that stay parked.
• Government Employee Discount – Being employed by or retired from a federal job could provide a small rate reduction for Prius v insurance depending on your company.
• Bundled Policy Discount – If you can bundle your home and auto insurance and insure them with the same company you could save over 10 percent off each policy depending on the company.
• Responsible Drivers – Accident-free drivers can pay as much as 50% less for Prius v insurance than their less cautious counterparts.
• Discount for New Cars – Buying a new car model can get you a discount because new vehicles have to meet stringent safety requirements.
• Driver Training Discounts – Taking part in a course in defensive driving is a good idea and can lower rates and also improve your driving technique.

A quick disclaimer, some of the credits will not apply to the entire cost. Some only reduce individual premiums such as physical damage coverage or medical payments. Just because it seems like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

Companies and some of the premium reductions they offer are included below.

• Farm Bureau has savings for youthful driver, good student, 55 and retired, multi-policy, renewal discount, safe driver, and driver training.
• Liberty Mutual may offer discounts for preferred payment discount, multi-car, good student, hybrid vehicle, and new move discount.
• State Farm includes discounts for anti-theft, accident-free, multiple policy, safe vehicle, multiple autos, Drive Safe & Save, and good driver.
• Auto-Owners Insurance may have discounts that include paperless, good student, safe vehicle, student away at school, and mature driver.
• Geico offers discounts for seat belt use, emergency military deployment, federal employee, multi-policy, military active duty, five-year accident-free, and multi-vehicle.
• SAFECO policyholders can earn discounts including safe driver, accident prevention training, homeowner, teen safe driver, and multi-car.

If you are trying to find the cheapest car insurance quotes, ask each insurance company to apply every possible discount. Savings may not be offered in your area. To find insurance companies with discount rates, click here to view.

It’s not one size fits all

When choosing adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply. For example, these questions could help you determine if you will benefit from professional help.

• When should I not file a claim?
• Am I better off with higher deductibles on my 2013 Toyota Prius v?
• Why do I need rental car insurance?
• Am I covered when driving on a suspended license?
• Is my ex-spouse still covered by my policy?
• Do I need roadside assistance coverage?
• How do I buy GAP insurance?
• Does my car insurance cover rental cars?
• Is there coverage for injuries to my pets?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of car insurance companies in your area.

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Car insurance 101

Knowing the specifics of a car insurance policy can help you determine the right coverages and proper limits and deductibles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages offered by car insurance companies.

Medical payments and PIP coverage

Med pay and PIP coverage pay for short-term medical expenses for nursing services, X-ray expenses, rehabilitation expenses and dental work. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability coverages

This protects you from damage or injury you incur to other’s property or people in an accident. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims such as pain and suffering, court costs and legal defense fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, hail damage and falling objects. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your 2013 Toyota Prius v.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for collisions

This coverage pays for damage to your Prius v resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like scraping a guard rail, crashing into a ditch, colliding with another moving vehicle and colliding with a tree. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Shop smart and save

A few companies may not have price quotes online and these regional insurance providers prefer to sell through independent insurance agents. Cheaper 2013 Toyota Prius v insurance can be bought online and from local agencies, and you should be comparing both to have the best chance of lowering rates.

In this article, we presented a lot of information how to get a better price on 2013 Toyota Prius v insurance. The most important thing to understand is the more price quotes you have, the better your chances of lowering your prices. You may be surprised to find that the lowest priced insurance comes from the least-expected company. Some small companies often have lower prices on specific markets as compared to the big name companies such as Progressive and Geico.

When searching for affordable car insurance quotes, it’s a bad idea to buy less coverage just to save a little money. There are a lot of situations where an insured cut uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. Your goal should be to buy enough coverage at the best possible price but still have enough coverage for asset protection.

Even more information is located in the articles below:

• Property Damage Coverage (Liberty Mutual)
• Drunk Driving Statistics (Insurance Information Insitute)
• What Does No-Fault Insurance Cover? (Allstate)
• Car Insurance: When not to Skimp (BankRate.com)
• Safe Vehicles for Teens (iihs.org)

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