Compare 2017 Toyota Prius v Car Insurance Quotes

Have you fallen victim to an expensive auto insurance policy? Believe me, many drivers feel the same as you.

Because you have many different company options, it can be hard to locate the best insurer.

It’s a great practice to do rate comparisons before your policy renews because auto insurance prices go up and down regularly. Even if you think you had the best deal for Prius v insurance at your last renewal the chances are good that you can find a lower premium rate today. Ignore everything you know about auto insurance because we’re going to show you the fastest and easiest way to save on auto insurance.

Finding affordable coverage is not rocket science. If you have car insurance now, you should be able to lower your premiums substantially using these tips. But car owners must comprehend how companies sell online because it can help you find the best coverage.

How insurers calculate Toyota Prius v insurance premiums

The best way to find cheaper insurance is to take a look at a few of the rating criteria that are used to determine the level of your policy premiums. When you understand what determines base rates, this empowers consumers to make smart changes that could help you find lower premium levels.

• Never go without insurance – Driving without insurance coverage in place is against the law and your next policy will cost more because you let your coverage lapse. In addition to paying higher rates, failure to provide proof of insurance can result in fines or a revoked license.
• What are good liability limits? – Liability coverage will provide protection in the event that you are determined to be liable for damages caused by your negligence. Your policy’s liability insurance provides legal defense starting from day one. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so do not skimp.
• Women tend to take less risk – Statistics have proven women tend to be less risk to insure than men. The data does not necessarily mean that females are better at driving than males. Women and men get in auto accidents at about the same rate, but males get into accidents with more damage. Men also receive more major tickets such as reckless driving. Male teenagers cause the most accidents and therefore pay the highest rates.
• The higher your credit rating the lower your prices – Credit history is likely to be a major factor in calculating your premium rate. People with excellent credit scores tend to be less risk to insure than drivers with lower ratings. If your credit score leaves room for improvement, you could potentially save money when insuring your 2017 Toyota Prius v by repairing your credit.
• Premiums may be lower depending on your occupation – Did you know your job can affect your rates? Careers like real estate brokers, architects and emergency personnel are shown to have the highest average rates due to intense work requirements and lengthy work days. Other careers like scientists, engineers and retirees have the lowest average rates for Prius v insurance.
• Don’t get traffic citations – Even a single driving citation can increase the cost of insurance by twenty percent. Good drivers pay lower auto insurance prices than bad drivers. Drivers who get dangerous violations such as reckless driving or DUI may face state-mandated requirements to complete a SR-22 with their state motor vehicle department in order to legally drive.
• Low comp and collision deductibles mean high prices – Physical damage coverage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your Toyota. Examples of covered claims could be running into the backend of another car, vandalism, and damage caused by flying debris. Comprehensive and collision coverage deductibles define the amount you are willing to pay out-of-pocket if a covered claim is submitted. The more of the claim you pay before a claim is paid (deductible), the bigger discount you will receive for Prius v insurance.
• Safer the car lower the rate – Cars with high safety ratings tend to have better insurance rates. Safer cars reduce occupant injuries and lower rates of occupant injuries means your insurance company pays less and thus lower rates. If your Toyota Prius v is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.

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How to buy insurance coverage

To find the best insurance coverage quotes, there are several ways to compare rate quotes from all the different companies. The easiest way by far to comparison shop consists of shopping online. This can be done in just a few minutes using one of these methods.

1. The single most time-saving way to find low rates would be an industry-wide quote request form like this one (opens in new window). This method prevents you from having to do repetitive form entry for each price estimate. A single, simple form gets insurance cost estimates from multiple companies.
2. A more time consuming way to find more affordable insurance is going to each individual company website and repeat the quote process again and again. For example, we’ll pretend you want to compare State Farm, Allstate and Geico. You would need to navigate to each company’s site to enter your coverage information, which can take a lot of time.For a list of companies in your area, click here.

Whichever way you use, make sure you use apples-to-apples coverage limits and deductibles on every price quote you get. If the quotes have different coverage information it will be very difficult to determine the lowest rate for your Toyota Prius v. Just slight variations in limits can result in a big premium difference. And when price shopping your coverage, having more price comparisons gives you a better chance of getting more affordable insurance. Some regional insurers cannot provide online price quotes, so you need to compare price estimates from those companies as well.

Can you really save if you switch?

Companies like Progressive, Geico, Allstate and State Farm seem to constantly run television and radio advertisements. They all seem to make the point that you’ll save big if you just switch your coverage. How can each company make almost identical claims? Just pay attention to how they say it.

Most companies give the cheapest rates for a prospective insured that earns them a profit. For example, this type of risk profile could possibly be over the age of 40, carries full coverage, and drives less than 7,500 miles a year. Anybody that hits that “sweet spot” will get low rates and will pay quite a bit less when switching companies.

People who fall short of these criteria must pay a higher premium which usually ends up with business not being written. The wording the ads use say “customers who switch” not “everyone who quotes” will save that much if they switch. That’s the way insurance companies can confidently make it sound like they have such great prices. Because of this risk profiling, it is so important to get a wide range of price quotes. It’s just not possible to know which company will give you lower premium rates than your current company.

Do you qualify for discounts?

Some providers don’t always advertise every discount they offer very clearly, so we took the time to find both the well known and the more hidden discounts that you can inquire about if you buy car insurance online. If you are not receiving all the discounts possible, you may be paying too high a price.

• Defensive Driving Course – Successfully completing a course teaching defensive driving skills can save you 5% or more if your company offers it.
• Smart Student Discounts – Excelling in school may save you up to 25%. The good student discount can last up until you turn 25.
• Onboard Data Collection – Insureds that choose to allow their car insurance company to look at when and where they use their vehicle by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates if they are good drivers.
• Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
• Federal Government Employee – Active or retired federal employment may qualify for a discount when you quote car insurance for Prius v insurance with a few car insurance companies.
• Driver’s Education for Students – It’s a good idea to have your young drivers take driver’s ed class if it’s offered in school.

Don’t be shocked that most credits do not apply to the entire policy premium. The majority will only reduce specific coverage prices like medical payments or collision. So even though you would think adding up those discounts means a free policy, company stockholders wouldn’t be very happy. But all discounts will cut your policy premium.

Companies and some of the discounts are included below.

• Geico policyholders can earn discounts including good student, anti-theft, membership and employees, driver training, seat belt use, emergency military deployment, and defensive driver.
• MetLife includes discounts for good student, accident-free, defensive driver, multi-policy, and claim-free.
• State Farm offers premium reductions for passive restraint, student away at school, good student, good driver, Steer Clear safe driver discount, and driver’s education.
• Progressive discounts include homeowner, continuous coverage, online quote discount, good student, and online signing.
• Mercury Insurance has savings for ease of repair, multi-policy, good student, location of vehicle, age of vehicle, accident-free, and annual mileage.
• 21st Century may include discounts for anti-lock brakes, theft prevention, teen driver, air bags, defensive driver, and 55 and older.
• Allstate may offer discounts for multi-policy, new car, farm vehicle, defensive driver, premier plus, early signing, and anti-lock brakes.

Before buying, ask every prospective company to apply every possible discount. All car insurance discounts may not apply in your state. If you would like to see a list of insurance companies that offer discounts, click here to view.

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Don’t assume everyone needs the same car insurance coverage

When it comes to choosing adequate coverage, there isn’t really a perfect coverage plan. Every situation is different so this has to be addressed. For instance, these questions might point out if you might need an agent’s assistance.

• Why does it cost so much to insure a teen driver?
• Can I rent a car in Mexico?
• What is the ISO rating for a 2017 Toyota Prius v?
• Are my tools covered if they get stolen from my vehicle?
• When should I remove comp and collision on my 2017 Toyota Prius v?
• Is my cargo covered for damage or theft?
• Does medical payments coverage apply to all occupants?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Specific coverage details

Understanding the coverages of a auto insurance policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages found on most auto insurance policies.

Comprehensive auto coverage – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, fire damage, damage from getting keyed and theft. The highest amount a auto 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.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your Toyota Prius v.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Liability – Liability coverage provides protection from damage or injury you incur to other’s property or people. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for things like attorney fees, structural damage, repair bills for other people’s vehicles and medical expenses. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like chiropractic care, X-ray expenses, rehabilitation expenses, nursing services and dental work. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Collision – Collision coverage covers damage to your Prius v from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as crashing into a building, backing into a parked car, hitting a parking meter, sustaining damage from a pot hole and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Don’t be a big spender

We just presented many ideas to save on 2017 Toyota Prius v insurance. The key thing to remember is the more providers you compare, the better likelihood of getting cheap car insurance. You may even discover the lowest prices are with a company that doesn’t do a lot of advertising. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.

Cost effective 2017 Toyota Prius v insurance can be sourced online as well as from independent agents, so get free car insurance quotes from both of them to have the best rate selection. Some insurance companies may not provide internet price quotes and many times these small insurance companies prefer to sell through independent insurance agencies.

Additional detailed information is located by following these links:

• Understanding Limits and Deductibles (Allstate)
• Learn About Car Insurance (Geico)
• Teen Driver Statistics (Insurance Information Insitute)
• Where can I buy Insurance? (Insurance Information Insitute)
• Reducing Your Risks in a Car Crash Video (iihs.org)

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