Cheaper 2002 Toyota Prius Car Insurance Quotes

Searching for better auto insurance rates for your Toyota Prius? Shopping for cheap auto insurance online can be rather challenging for people who are new to shopping for insurance online. When there are so many insurers available, how can you possibly compare them all to find the best pricing?

You need to get comparison quotes once or twice a year since insurance rates are variable and change quite frequently. Just because you had the lowest price for Prius coverage a couple years back there is a good chance you can find better rates now. Forget anything you know (or think you know) about auto insurance because you’re about to find out the right way to lower your rates without sacrificing coverage.

Cheap Insurance Comparisons

All major insurance companies provide price estimates on the web. Getting online rates is fairly straightforward as you just enter your coverage preferences into a form. After you submit the form the system will order your credit score and driving record and returns a price quote determined by many factors.

This helps simplify price comparisons, but the process of having to visit many different websites and complete many quote forms can get tiresome after awhile. But it’s absolutely necessary to perform this step if you want to find a better rate.

Isn’t there an easier way to compare rates?

A quicker way to compare insurance pricing makes use of a single form that gets price quotes from several different companies. This type of form saves time, helps eliminate reptitive entry, and makes rate comparisons much easier. After sending the form, it is rated and you can select any of the price quotes you receive. If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. The entire process only takes a few minutes and you will know how your current rates stack up.

If you want to fill out one form to compare multiple rates now, simply click here to open in new window and enter your information. If you have coverage now, it’s recommended you enter coverages and limits identical to your current policy. This ensures you are getting rate comparison quotes for exact coverage.

Car insurance is unique, just like you

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

For example, these questions can help discover if you will benefit from professional help.

  • Am I better off with higher deductibles on my 2002 Toyota Prius?
  • When do I need to add a new car to my policy?
  • Am I covered if I break a side mirror?
  • What is high-risk coverage and where do I buy it?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Is my teen driver covered when they drive my company car?
  • Is there coverage for injuries to my pets?
  • How can I get my company to pay me more for my totalled car?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form.

Insurance specifics

Knowing the specifics of your insurance policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Collision coverage protection

Collision coverage will pay to fix damage to your Prius from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as driving through your garage door, crashing into a ditch, sideswiping another vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for immediate expenses for dental work, hospital visits, ambulance fees and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Liability

Liability insurance provides protection from damage that occurs to other’s property or people in an accident. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against things like bail bonds, medical expenses and loss of income. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Comprehensive insurance

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as rock chips in glass, theft and hitting a deer. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Toyota Prius.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.