2003 Toyota Prius Insurance Quotes – 5 Policy Discounts

Want lower insurance coverage rates for your Toyota Prius? Have you fallen victim to an expensive insurance coverage policy? Don’t feel bad because many consumers feel financially strained by their insurance coverage policy.

Because you have many options when it comes to insurance coverage, it’s nearly impossible to locate a more affordable company.

It’s a good idea to compare prices yearly because prices are constantly changing. If you had the lowest rates on Prius coverage at your last renewal you can probably find a better premium rate now. Forget all the misinformation about insurance coverage because you’re about to learn the only way to lower your annual insurance bill.

Locating more affordable auto insurance coverage is simple if you know the tricks. Essentially anyone who is required by state law to have auto insurance will more than likely be able to cut their insurance bill. Although drivers need to learn the methods companies use to sell online.

Take advantage of with these five discounts

Some insurance providers don’t always advertise all disounts very well, so the following is a list of both well-publicized and also the more inconspicuous credits available to you.

• E-sign – A handful of insurance companies will give you a small discount just for signing your application on their website.
• Drivers Ed for Students – Have your child successfully complete driver’s ed class as it will make them better drivers and lower rates.
• Low Mileage – Fewer annual miles on your Toyota can qualify you for substantially lower prices.
• Seat Belts Save – Forcing all vehicle occupants to buckle up may be able to save a few bucks off the personal injury premium cost.
• College Student Discount – College-age children who live away from home to go to college and do not take a car to college could get you a discount.

One last thing about discounts, most credits do not apply to your bottom line cost. A few only apply to specific coverage prices like medical payments or collision. Even though it appears all those discounts means the company will pay you, it just doesn’t work that way.

A few popular companies and their possible discounts can be read below.

• Geico discounts include emergency military deployment, daytime running lights, seat belt use, multi-policy, and federal employee.
• Travelers includes discounts for IntelliDrive, hybrid/electric vehicle, student away at school, multi-policy, payment discounts, good student, and home ownership.
• Nationwide may have discounts that include anti-theft, easy pay, good student, Farm Bureau membership, and family plan.
• Farmers Insurance offers premium reductions for youthful driver, distant student, alternative fuel, teen driver, and switch companies.
• Esurance policyholders can earn discounts including good student, good driver, online shopper, claim free, and defensive driver.
• State Farm has savings for anti-theft, good driver, defensive driving training, student away at school, and Steer Clear safe driver discount.
• Progressive offers discounts including homeowner, online quote discount, multi-vehicle, multi-policy, and good student.
• Mercury Insurance offers discounts for anti-theft, location of vehicle, good student, multi-policy, good driver, annual mileage, and multi-car.

If you need cheaper insurance quotes, ask each company or agent which discounts can lower your rates. Depending on the company, some discounts may not be offered in every state. To find companies that offer discounts, follow this link.

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How to compare car insurance quotes

Many insurance companies allow you to get coverage price quotes direct online. Doing online quotes is fairly simple as you just type in as requested by the quote form. After the form is submitted, their rating system requests your driving and credit reports and generates pricing information based on many factors. Online price quotes makes it a lot easier to compare rates but the process of having to visit each company’s website and repetitively enter the same data into a form is repetitive and time-consuming. But it’s absolutely necessary to do this in order to find the lowest possible prices on car insurance.

Isn’t there an easier way to compare rates?

A less time-consuming method to locate the lowest prices utilizes a single form that analyzes rates from many companies. It’s a real time-saver, eliminates form submissions, and makes comparison shopping much simpler. Immediately after you send the form, your coverage is rated with multiple companies and you can pick any one of the quotes that you receive.

If you find a better price you can simply submit the application and purchase coverage. The whole process takes less than 15 minutes and you will know how your current rates stack up.

In order to compare rates using this form now, simply click here to open in new window and complete the simple form. If you have coverage now, it’s recommended you enter the insurance coverages just like they are on your policy. Doing this guarantees you will receive an apples-to-apples comparison for similar coverage.

Your situation helps dictate your coverage

When it comes to choosing coverage, there is no “perfect” insurance plan. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that might help in determining if your situation would benefit from an agent’s advice.

• Can my babysitter drive my car?
• When should I not file a claim?
• How can I get high-risk coverage after a DUI?
• Do I need medical payments coverage since I have good health insurance?
• Should I waive the damage coverage when renting a car?
• What if I total my 2003 Toyota Prius and owe more than it’s worth?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• If my pet gets injured in an accident are they covered?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Insurance coverage considerations

Knowing the specifics of insurance can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. These are the normal coverages offered by insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your 2003 Toyota Prius.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as crashing into a ditch, hitting a mailbox and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Coverage for liability – Liability coverage provides protection from injuries or damage you cause to other’s property or people in an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like medical expenses, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Medical payments and PIP coverage – Med pay and PIP coverage kick in for bills for dental work, rehabilitation expenses, chiropractic care and nursing services. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive auto coverage – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like falling objects, hitting a bird and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

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You can do this!

We just showed you a lot of tips how to lower your 2003 Toyota Prius insurance premium rates. It’s most important to understand that the more times you quote, the higher your chance of finding low cost insurance. Drivers may discover the best premium rates are with a small local company. These companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and Geico.

As you quote insurance, it’s not a good idea to skimp on coverage in order to save money. In many cases, consumers will sacrifice liability limits or collision coverage and discovered at claim time that it was a big mistake. The ultimate goal is to find the BEST coverage at the lowest possible cost, not the least amount of coverage.

Additional information can be found at the links below

• Rental Reimbursement Coverage (Allstate)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)
• Auto Insurance Basics (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)

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