2015 Toyota Prius c Car Insurance Quotes – 6 Savings Tips

Have you fallen victim to overpriced car insurance? It’s quite common and many drivers have buyer’s remorse.

Online insurance companies like Progressive, State Farm and Geico all promote huge savings with ads and it can be hard to see past the corporate glitz and take the time to shop coverage around.

It’s a good habit to compare prices every six months since insurance rates tend to go up over time. Just because you had the best deal for Prius c insurance on your last policy there may be better deals available now. Block out anything you think you know about car insurance because you’re about to find out how to quote online to buy cheaper car insurance.

If you are paying for car insurance now, you should be able to cut costs considerably using these methods. Buying car insurance is not rocket science. But vehicle owners can benefit by having an understanding of how companies price online insurance and take advantage of how the system works.

Affordable insurance quotes with discounts

Some insurance providers don’t list every discount they offer in a way that’s easy to find, so the below list has both the well known and also the more inconspicuous credits that may apply to you.

• Service Members Pay Less – Being deployed in the military could trigger a small discount.
• Passive Restraint Discount – Cars that have air bags or automatic seat belts can receive discounts of 25 to 30%.
• Payment Method – If you pay your entire premium ahead of time as opposed to paying monthly you could save 5% or more.
• Senior Citizen Rates – Older drivers could receive reduced rates for Prius c insurance.
• Life Insurance – Companies who offer life insurance give a small discount if you purchase some life insurance too.
• Data Collection Discounts – Drivers who agree to allow their insurance company to study driving patterns by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts as long as the data is positive.

We need to note that most credits do not apply the the whole policy. Most only apply to individual premiums such as comprehensive or collision. Despite the appearance that all those discounts means the company will pay you, you aren’t that lucky.

The best insurance companies and a selection of discounts are included below.

• Geico offers discounts for daytime running lights, membership and employees, air bags, anti-lock brakes, multi-vehicle, and anti-theft.
• Travelers offers discounts including student away at school, early quote, new car, home ownership, payment discounts, good student, and continuous insurance.
• Nationwide has discounts for easy pay, accident-free, multi-policy, family plan, and business or organization.
• Farmers Insurance discounts include good student, mature driver, switch companies, multi-car, and business and professional.
• Esurance policyholders can earn discounts including safety device, online shopper, good student, claim free, defensive driver, DriveSense, and homeowner.
• State Farm may have discounts that include driver’s education, good student, multiple autos, accident-free, multiple policy, Steer Clear safe driver discount, and anti-theft.
• Progressive has savings for multi-vehicle, homeowner, multi-policy, online signing, online quote discount, continuous coverage, and good student.
• Mercury Insurance includes discounts for accident-free, annual mileage, type of vehicle, multi-car, good driver, age of vehicle, and professional/association.

When quoting, ask each company or agent how you can save money. Some discounts listed above may not apply in your area. To locate insurance companies that offer many of these discounts, click here to view.

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Low cost insurance quotes

Performing a rate comparison can be challenging if you aren’t aware of the most efficient way to do it. You can spend your afternoon talking to insurance companies in your area, or you could save time and use online quoting to quickly compare rates.

Most of the larger companies enroll in a system that allows shoppers to submit their information once, and each participating company then returns a price quote based on the submitted data. This saves time by eliminating repetitive form submissions to each company.

To find out how much you can save on insurance click to open in new window.

The one downside to doing it this way is buyers cannot specifically choose the providers to receive prices from. So if you want to select specific insurance companies to request quotes from, we have a page of insurance companies in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just be sure to compare the exact same coverage information for each quote you get. If your comparisons have different values for each quote it will be nearly impossible to make an equal comparison. Quoting even small variations in limits may result in large price differences. And when quoting insurance, remember that more quotes will increase your chances of finding more affordable insurance. Not every company allows you to get price estimates online, so you need to compare prices from them as well.

Tailor your auto insurance coverage to you

When it comes to choosing adequate coverage, there really is not a perfect coverage plan. Every situation is different so your insurance should reflect that Here are some questions about coverages that could help you determine whether you would benefit from an agent’s advice.

• Is my trailer covered?
• Who is covered by my policy?
• Does liability extend to a camper or trailer?
• How high should my medical payments coverage be?
• How high should deductibles be on a 2015 Toyota Prius c?
• Do I pay less for low miles?
• Is my 2015 Toyota Prius c covered for flood damage?
• Can I rate high risk drivers on liability-only vehicles?
• Do I need rental car coverage?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Specific coverage details

Understanding the coverages of a car insurance policy aids in choosing appropriate coverage for your vehicles. Car insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverages offered by car insurance companies.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like prosthetic devices, surgery, dental work, X-ray expenses and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Toyota Prius c.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages are similar to your liability insurance amounts.

Collision protection

Collision coverage covers damage to your Prius c resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like sustaining damage from a pot hole, hitting a parking meter and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like theft, a broken windshield and rock chips in glass. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverages

Liability insurance will cover injuries or damage you cause to other’s property or people by causing an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers things such as pain and suffering, structural damage, medical services and legal defense fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

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In conclusion

We just showed you quite a bit of information on how to get a better price on 2015 Toyota Prius c insurance. The most important thing to understand is the more providers you compare, the better your comparison will be. You may even discover the biggest savings come from a smaller regional carrier. Regional companies can often provide lower prices in certain areas than the large multi-state companies such as Allstate or State Farm.

Some insurance companies don’t offer online quoting and these smaller companies sell through independent insurance agencies. Budget-friendly insurance coverage is available both online in addition to local insurance agencies, and you need to price shop both to have the best selection.

As you quote insurance coverage, do not buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your objective should be to purchase plenty of coverage at the lowest possible cost, not the least amount of coverage.

To read more, feel free to visit these articles:

• What is a Telematics Device? (Allstate)
• Avoiding Deer Collisions (Insurance Information Insitute)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Teen Driving and Texting (State Farm)

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