2014 Toyota Prius v Insurance Quotes – 9 Tips for Cheapest Rates

Looking for the cheapest insurance coverage rates for your Toyota Prius v? Finding the cheapest insurance for your Toyota Prius v could be an all-consuming task, but you can learn our insurance coverage buying tips to save time. There are more efficient ways to compare insurance coverage rates and we’ll show you the proper way to price shop coverage for your Toyota and find the lowest possible price from both online companies and local agents.

Smart consumers take time to compare prices as often as possible since prices are adjusted regularly by insurance companies. Even if you think you had the best deal for Prius v coverage a few years ago you may be paying too much now. Block out anything you think you know about insurance coverage because you’re about to learn how to quote online to buy cheaper insurance coverage.

Choosing the best insurance company for you is easy if you know what you’re doing. If you are insured now or need new coverage, you can learn to find the best rates while maximizing coverage. Consumers only need an understanding of the best way to shop online.

Compare insurance coverage quotes

Getting a low cost price on 2014 Toyota Prius v insurance isn’t really that difficult. You just have to take a few minutes comparing rate quotes to discover which company has low cost auto insurance quotes. It’s really simple and can be done by following the guidelines below.

1. The most recommended method consumers can analyze rates would be an industry-wide quote request form click here to open form in new window. This type of form keeps you from doing a different quote for each price estimate. One simple form gets you coverage quotes instantly. Recommended for those who want to invest the least amount of time.
2. A different way to get quotes online is to take the time to go to each company’s website to request a price quote. For example, we’ll assume you want comparison quotes from State Farm, Geico and American Family. To get each rate you have to spend time on each company’s site to enter your coverage information, and that explains why we recommend the first method.

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

The approach you take is up to you, just make sure you are using nearly identical coverages and limits for each price quote. If you are comparing different limits and deductibles on each one it’s not possible to make a fair comparison for your Toyota Prius v.

When do I need an agent’s advice?

When choosing proper insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique.

For example, these questions can help discover whether you would benefit from an agent’s advice.

• What is roadside assistance coverage?
• Am I getting all the discounts available?
• Should I drop comprehensive coverage on older vehicles?
• Should I waive the damage coverage when renting a car?
• I have health insurance so do I need medical payments coverage?
• Should I bundle my homeowners policy with my auto?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance 101

Understanding the coverages of your car insurance policy aids in choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for bills like chiropractic care, EMT expenses and nursing services. They can be used in conjunction with a health insurance plan or if you do not have health coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision coverage will pay to fix damage to your Prius v resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a building, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive auto coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like falling objects, a broken windshield, theft and hitting a bird. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability

This coverage can cover damage that occurs to other’s property or people by causing an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like structural damage, emergency aid, medical services, repair bills for other people’s vehicles and attorney fees. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.