Lower Your 2009 Toyota Prius Car Insurance Quotes

Finding better rates for auto insurance can seem to be challenging for consumers new to comparing rates online. There are so many choices that it can easily become a real hassle to find the best price.

If you currently have a car insurance policy, you will be able to reduce your rates substantially using these methods. Shopping for affordable auto insurance coverage is easy if you know what you’re doing. But drivers can benefit from knowing how big insurance companies sell insurance online because it can help you find the best coverage.

Comprehensive Insurance Coverage Comparison Quotes

Most companies like Allstate and Progressive give prices for coverage on the web. The process is pretty painless as you simply type in the amount of coverage you want as detailed in the form. Behind the scenes, the company’s rating system collects credit information and your driving record and generates pricing information based on many factors.

Online price quotes makes comparing rates easy, but the work required to visit different websites and fill out multiple forms can be a bit tiresome and repetitive. But it’s very important to compare as many rates as possible if you are searching for the lowest insurance coverage rates.

Rate comparisons made easy

The easiest way to find cheaper rates utilizes a single form to obtain quotes from multiple companies. It’s a real time-saver, helps eliminate reptitive entry, and makes online quotes much easier to do. After your information is entered, it is rated and you are able to buy any of the price quotes you receive.

If you find a better price you simply finish the application and purchase the new policy. The entire process takes less than 15 minutes and you will find out if you’re overpaying now.

If you want to use this form to compare rates, simply click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend you complete the form with the insurance coverages exactly as shown on your declarations page. This helps ensure you will have a rate comparison for similar insurance coverage.

How to reduce 2009 Toyota Prius insurance rates

The price of auto insurance can be rather high, but you can get discounts that you may not know about. Some trigger automatically when you purchase, but some must be manually applied before you will receive the discount.

Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.
Auto/Life Discount – Companies who offer life insurance give a discount if you purchase life insurance from them.
Paperwork-free – A few companies give back up to $50 for buying your policy on their website.
Passive Restraint Discount – Factory air bags can receive discounts of more than 20%.
Homeowners Pay Less – Being a homeowner can save you money due to the fact that maintaining a home is proof that your finances are in order.
Multiple Cars – Insuring all your vehicles on one policy may reduce the rate for each vehicle.

A little note about advertised discounts, some of the credits will not apply the the whole policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think you could get a free insurance coverage policy, it just doesn’t work that way. Any amount of discount will help reduce your overall premium however.

Companies that may offer these money-saving discounts include:

Before buying, ask each insurance company how you can save money. Discounts might not apply in every state.

Tailor your coverage to you

When it comes to buying the best car insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Each situation is unique.

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

What is the minimum liability in my state?
When should I remove comp and collision on my 2009 Toyota Prius?
Is my dog or cat covered if injured in an accident?
Does my medical payments coverage pay my health insurance deductible?
Should I rate my 2009 Toyota Prius as pleasure use or commute?
Do I need motorclub coverage?
Are rental cars covered under my policy?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form.

Insurance coverage options for a Toyota Prius

Learning about specific coverages of insurance can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for collisions

This pays for damage to your Prius resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as crashing into a building, colliding with another moving vehicle, crashing into a ditch, hitting a parking meter and colliding with a tree. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Liability coverage

Liability insurance provides protection from injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as medical services, legal defense fees, repair bills for other people’s vehicles and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Insurance for medical payments

Med pay and PIP coverage kick in for bills for dental work, pain medications and prosthetic devices. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Toyota Prius.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Most of the time these coverages are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision)

This covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like falling objects, a broken windshield, hitting a bird, damage from flooding and hitting a deer. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.