Save on 2017 Toyota Prius Insurance Cost

Being forced to pay for high-priced car insurance premiums can bleed your monthly budget and possibly require you to analyze your spending habits. Shopping your coverage around can help to make ends meet.

Insurance companies such as State Farm, Geico and Farmers Insurance continually hit you with advertising and it can be hard to see past the corporate glitz and do the work needed to find the best deal.

If you are paying for car insurance now, you stand a good chance to be able to find cheaper Toyota Prius insurance using these techniques. Finding affordable coverage is not rocket science. But consumers can benefit from knowing how companies price insurance differently and apply this information to your search.

More affordable rates by receiving discounts

Not many people think insurance is cheap, but there are discounts available that you may not know about. Certain reductions will be credited at the time of purchase, but a few must be specifically requested in order for you to get them.

• Life Insurance Discount – Not all car insurance companies offer life insurance, but some may give you lower car insurancerates if you buy some life insurance too.
• Active Military Service – Having an actively deployed family member could be rewarded with lower prices.
• Discounts for Multiple Vehicles – Purchasing coverage when you have multiple vehicles with the same car insurance company can reduce rates for all insured vehicles.
• Defensive Driver Discount – Taking part in a driver safety class could earn you a small percentage discount and also improve your driving technique.
• ABS and Traction Control Discounts – Vehicles equipped with ABS or steering control prevent accidents so you can save 10 percent or more.
• Professional Organizations – Having an affiliation with qualifying employment or professional organizations could qualify you for a break on your policy.
• Early Signing – Some larger companies reward drivers for signing up prior to your current policy expiration. This discount can save up to 10%.
• Seat Belt Discounts – Requiring all passengers to use a seat belt could save 15% off the PIP or medical payment premium.
• Pay Now and Pay Less – If you pay your bill all at once rather than paying in monthly installments you could save 5% or more.
• Low Mileage Discounts – Driving less could earn substantially lower premium rates.

Please keep in mind that most discount credits are not given to the overall cost of the policy. Most only cut the cost of specific coverages such as comprehensive or collision. So even though they make it sound like adding up those discounts means a free policy, it just doesn’t work that way. But all discounts will reduce the premium cost.

Large car insurance companies and some of the discounts include:

• Progressive has savings for continuous coverage, good student, homeowner, multi-vehicle, and online quote discount.
• Geico discounts include anti-lock brakes, emergency military deployment, anti-theft, membership and employees, seat belt use, federal employee, and good student.
• State Farm policyholders can earn discounts including safe vehicle, good student, passive restraint, defensive driving training, accident-free, Drive Safe & Save, and anti-theft.
• Esurance offers discounts for emergency road assistance, multi-policy, safety device, multi-car, online shopper, renters, and anti-theft.
• The Hartford may have discounts that include vehicle fuel type, driver training, defensive driver, anti-theft, good student, air bag, and bundle.

It’s a good idea to ask all companies you are considering to give you their best rates. A few discounts might not be offered everywhere. If you would like to view companies with discount car insurance rates, click here.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

How to get low cost insurance coverage

Most larger insurance companies such as State Farm and Allstate make it easy to get prices for coverage on the web. This process is pretty painless because it’s just a matter of typing in the amount of coverage you want into a form. After you complete the form, the company’s rating system sends out for your driving record and credit report and returns pricing information. Quoting online makes it easy to compare insurance prices but the time required to go to different websites and type in the same information can be a bit tiresome and repetitive. But it’s very important to get many rate quotes if you want to get the lowest price.

There is an easier way to compare rates

An easier way to compare rates is to use a quote form to obtain quotes from a lot of companies. It’s a real time-saver, eliminates form submissions, and makes quoting online a little more enjoyable. After sending the form, it is rated and you are able to buy any one of the returned quotes.

If you find a better price you simply finish the application and purchase coverage. It just takes a couple of minutes and you’ll know if lower rates are available.

To quickly find out if lower rates are available, simply click here to open in new window and fill out the form. If you currently have coverage, we recommend you input your coverages as close as possible to your current policy. Using the same limits helps guarantee you are getting comparison quotes for similar insurance coverage.

Your car insurance coverage should be tailored to you

When it comes to choosing the best car insurance coverage, there really is no one size fits all plan. Every situation is different so your insurance needs to address that. Here are some questions about coverages that can aid in determining if your insurance needs could use an agent’s help.

• Why am I required to get a high-risk car insurance policy?
• Do I need roadside assistance coverage?
• How can I get my company to pay me more for my totalled car?
• Do I need higher collision deductibles?
• What can I do if my company denied a claim?
• Do I need to file an SR-22 for a DUI in my state?
• Am I covered when driving on a suspended license?
• What is no-fault insurance?
• At what point should I drop full coverage?
• Are split liability limits better than a combined single limit?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Car insurance coverage information

Knowing the specifics of your auto insurance policy can help you determine the right coverages and the correct deductibles and limits. Auto insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages offered by auto insurance companies.

Medical expense coverage

Med pay and PIP coverage kick in for short-term medical expenses such as chiropractic care, surgery and doctor visits. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Coverage for liability

Liability insurance provides protection from damages or injuries you inflict on other people or property in an accident. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like emergency aid, structural damage, legal defense fees, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Comprehensive protection

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a broken windshield, hail damage, damage from getting keyed, falling objects and vandalism. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Toyota Prius.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverage

This pays for damage to your Prius resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as damaging your car on a curb, colliding with a tree and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

More choices the merrier

Cost effective 2017 Toyota Prius insurance is definitely available on the web and from local insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some car insurance companies do not offer price quotes online and most of the time these regional insurance providers only sell coverage through independent insurance agencies.

We just covered a lot of information how to compare 2017 Toyota Prius insurance premium rates online. The most important thing to understand is the more companies you get prices for, the higher the chance of saving money. Drivers may discover the lowest premium rates are with the smaller companies. Smaller companies can often provide lower prices in certain areas than their larger competitors like Allstate and Progressive.

More resources

• Driving in Bad Weather (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Bodily Injury Coverage (Liberty Mutual)

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption