2018 Toyota Prius Insurance Quotes – 6 Savings Tips

Looking for cheaper insurance rates for your Toyota Prius? Finding a different company that has inexpensive insurance coverage may seem to be difficult if you are like most people and have never completed quoting online. But relax because finding affordable coverage online is easier than you think.

If you have car insurance now, you will most likely be able to save some money using these techniques. Buying the best insurance coverage is not that difficult. But vehicle owners need to have an understanding of how big insurance companies sell insurance online.

The quickest way to compare rates is to know the trick all the major auto insurance companies will pay a fee to compare rate quotes. The only thing you need to do is provide the companies a bit of rating information like how much you drive, whether you drive to work or school, marital status, and if it has an alarm system. That information gets transmitted to multiple different insurance companies and you receive quotes almost instantly.

Tailor your car insurance coverage to you

When buying the right insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.

For example, these questions can help discover if you may require specific advice.

• Should I bundle my homeowners policy with my auto?
• At what point should I drop full coverage?
• Is my state a no-fault state?
• Do I have coverage when making deliveries for my home business?
• Am I covered when driving on a suspended license?
• How do I buy GAP insurance?
• Should I buy additional glass protection?
• I don’t drive much so do I pay less?
• Can my teen driver be rated on a liability-only vehicle?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Auto insurance coverage specifics

Learning about specific coverages of your auto insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Collision protection

Collision coverage will pay to fix damage to your Prius from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as crashing into a building, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Toyota Prius.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for expenses like surgery, hospital visits, prosthetic devices and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive coverage (or Other than Collision)

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

Comprehensive insurance covers claims such as damage from a tornado or hurricane, hitting a bird, damage from flooding, damage from getting keyed and fire damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for liability

This provides protection from damage or injury you incur to a person or their property in an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as bail bonds, medical services and pain and suffering. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.