View 2014 Toyota Prius Plug-in Car Insurance Rates

Looking for lower insurance rates for your Toyota Prius Plug-in? Did you come to the realization that you have an underperforming, overpriced insurance policy? Trust us, there are a lot of people just like you who feel imprisoned by their insurance policy.

Online insurance companies like State Farm, Allstate, Geico and Progressive all claim big savings with catchy ads and it is challenging if not impossible to sift through the bull and find the best price available.

How to get free insurance coverage quotes online

When shopping for affordable insurance coverage quotes, there are a couple of ways to compare quotes from many available insurance coverage companies in your state. The best way to compare rates is to get quotes online. This can be done in several different ways.

1. If you’re in a hurry, the quickest way to get quotes is a comparison rater form (click to open form in new window). This quick form eliminates the need for separate quote forms for every company. Completing one form gets insurance cost estimates direct from many companies.
2. A harder way to analyze rates consists of going to the website for every company you want to comare to request a price quote. For example, let’s assume you want rates from Nationwide, 21st Century and GMAC. You would be required to spend time going to each site individually and punch in your information repeatedly, which is why the first method is quicker.

   For a list of links to insurance companies in your area, click here.

It’s up to you which method you use, but try to use apples-to-apples deductibles and coverage limits on every quote you get. If the quotes have different coverage information you can’t possibly make a fair rate comparison. Just a small difference in coverage limits can mean a large discrepancy in price. And when price shopping your coverage, comparing a large number of companies helps improve the odds of finding the best price. Some insurance companies are not set up to provide online rate quotes, so it’s important to compare quotes from them, too.

When should I discuss my situation with an agent?

When it comes to buying the right insurance coverage, there is no cookie cutter policy. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that might point out if your situation might need an agent’s assistance.

• What vehicles should carry emergency assistance coverage?
• Does car insurance cover theft of personal property?
• Why does it cost so much to insure a teen driver?
• Should I sign the liability waiver when renting a car?
• Am I covered by my spouse’s policy after a separation?
• Where can I find high-risk insurance?
• Do all my vehicles need collision coverage?
• Does my liability insurance cover pulling a trailer or camper?
• Will my rates increase for filing one claim?

If you can’t answer these questions but one or more may apply to you, you may need to chat with 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.

Car insurance 101

Knowing the specifics of a car insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types offered by car insurance companies.

Uninsured/Underinsured Motorist coverage

This provides protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Auto collision coverage

Collision coverage covers damage to your Prius Plug-in caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like colliding with a tree, hitting a mailbox 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 increase the deductible to save money on collision insurance.

Comprehensive coverage

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, hitting a deer, hitting a bird and falling objects. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverage

Liability insurance will cover damage or injury you incur to a person or their property in an accident. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things like structural damage, repair costs for stationary objects and bail bonds. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for expenses for things like hospital visits, nursing services, chiropractic care and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible