Compare 2013 Toyota Prius Insurance Rates

Trying to find the cheapest auto insurance rates for your Toyota Prius? Finding better rates for auto insurance can be a challenge for people who are new to comparing rates online. You have so many options that it can easily become a real challenge to find the best price.

Consumers should take time to shop coverage around quite often because prices are usually higher with each renewal. Even if you think you had the best price for Prius insurance a year ago a different company probably has better rates today. You’ll find quite a bit of inaccurate information about auto insurance online, so I’m going to show you some excellent ideas to put money back in your pocket.

This information will let you in on how car insurance quotes work. If you currently have a car insurance policy, you will be able to reduce your rates substantially using this strategy. Although consumers do need to understand how companies price online insurance and use this information to your advantage.

Pay less for 2013 Toyota Prius insurance

Insuring your fleet can be pricey, but companies offer discounts to help offset the cost. Larger premium reductions will be automatically applied at the time of purchase, but less common discounts must be requested specifically before you get the savings.

  • Safety Course Discount – Taking part in a course in driver safety could save 5% or more if your company offers it.
  • Multi-car Discount – Having more than one vehicle on the same auto insurance policy qualifies for this discount.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
  • Memberships – Participating in a professional or civic organization could qualify you for a break on your policy for Prius insurance.
  • Auto/Home Discount – When you combine your home and auto insurance with one insurance company you may save approximately 10% to 15%.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
  • Military Discounts – Being deployed with a military unit may qualify for rate reductions.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. Most only cut specific coverage prices like comprehensive or collision. So when it seems like you could get a free auto insurance policy, you won’t be that lucky. But all discounts will help reduce your overall premium however.

Car insurance companies that may offer these discounts include:

It’s a good idea to ask each insurance company which discounts they offer. Savings might not be offered in every state.

Tailor your coverage to you

When buying adequate coverage, there really is no best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that can help discover if your insurance needs would benefit from an agent’s advice.

  • Is my trailer covered?
  • Am I covered when delivering products for my home-based business?
  • Where can I get insurance after a DUI in my state?
  • Am I covered if I wreck a rental car?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • If my pet gets injured in an accident are they covered?
  • Is my Toyota Prius covered if I use it for business?
  • Do I need replacement cost coverage?

If you can’t answer these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance 101

Having a good grasp of your policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Collision insurance

This coverage covers damage to your Prius caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as rolling your car, backing into a parked car and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, rock chips in glass, damage from a tornado or hurricane, a broken windshield and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability auto insurance

This coverage provides protection from damages or injuries you inflict on other’s property or people. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as medical services, loss of income, attorney fees and funeral expenses. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

UM/UIM Coverage

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

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like rehabilitation expenses, hospital visits, pain medications and dental work. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Save for a rainy day

When trying to cut insurance costs, it’s a bad idea to sacrifice coverage to reduce premiums. In many cases, consumers will sacrifice full coverage only to discover later that it was a big error on their part. Your goal should be to buy the best coverage you can find at the best price while not skimping on critical coverages.

Consumers switch companies for a variety of reasons including unfair underwriting practices, delays in paying claims, policy non-renewal and policy cancellation. No matter why you want to switch, finding a new insurance company is less work than it seems.

You just read some good ideas how to compare 2013 Toyota Prius insurance prices online. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. You may even find the best price on insurance is with a small local company.

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