2014 Toyota Prius c Insurance Quotes – 8 Tips for Cheapest Rates

Locating the cheapest insurance for a new or used Toyota Prius c can be an all-consuming task, but you can learn our auto insurance buying tips to make it easier.

There are both good and bad ways to find auto insurance online so you’re going to learn the absolute fastest way to price shop coverage for your Toyota and locate the lowest possible price either online or from local insurance agents.

It’s smart to check auto insurance prices yearly because rates change quite often. Despite the fact that you may have had the lowest price for Prius c coverage a year ago you can probably find a better price now. Forget anything you know (or think you know) about auto insurance because you’re about to learn the only way to reduce your cost while improving coverage.

Finding cheaper coverage can be fairly easy. If you have a policy now or need new coverage, you can learn to find the best rates and still get good coverage. Drivers only need to know the proper methods to shop for auto insurance over the internet.

Comprehensive Auto Insurance Comparison Quotes

Performing a rate comparison can be a lot of work if you don’t understand the most efficient way. You can spend your afternoon talking to insurance companies in your area, or you can stay home and use online quoting for quick rates.

Most major companies are enrolled in a marketplace that enables customers to submit their information once, and each company can give them a price based on that information. This saves time by eliminating quote forms to every company.

To enter your information into the quoting system, click here to open in new window.

One minor caviat to using this type of form is you are unable to specify the insurers you will receive quotes from. So if you prefer to choose specific providers for rate comparison, we put together a list of companies who write auto insurance in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but double check that you are using apples-to-apples information with every price quote. If you compare higher or lower deductibles you will not be able to determine the best price for your Toyota Prius c.

More discounts equal less premium

The price of auto insurance can be rather high, but companies offer discounts that you may not know about. A few discounts will automatically apply at the time of quoting, but some may not be applied and must be inquired about in order for you to get them. If you don’t get every credit available, you’re just leaving money on the table.

  • Multiple Policy Discount – If you have multiple policies with one company you may save at least 10% off all policies.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can get savings of 20% or more.
  • Save over 55 – If you’re over the age of 55, you may be able to get reduced rates for Prius c coverage.
  • Driver Safety – Taking part in a course teaching defensive driving skills could save 5% or more depending on where you live.
  • Good Student Discount – This discount can save 20 to 25%. The good student discount can last up until you turn 25.
  • No Claims – Claim-free drivers can earn big discounts when compared with bad drivers.
  • Homeowners Discount – Being a homeowner can help you save on car insurance because of the fact that having a home is proof that your finances are in order.

It’s important to note that many deductions do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as comp or med pay. Just because you may think all those discounts means the company will pay you, you’re out of luck. Any qualifying discounts will reduce your overall premium however.

To see a list of insurance companies with discount car insurance rates, click here to view.

It’s not one size fits all

When choosing proper insurance coverage, there really is no best way to insure your cars. Everyone’s needs are different.

Here are some questions about coverages that can help discover if you could use an agent’s help.

  • Am I covered if I hit my neighbor’s mailbox?
  • How much liability do I need to cover my assets?
  • Do all my vehicles need collision coverage?
  • Will my rates increase for filing one claim?
  • Do I need replacement cost coverage?
  • How do I insure my teen driver?
  • Is my 2014 Toyota Prius c covered for flood damage?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Is there truth in advertising?

Consumers can’t get away from ads that promise big savings from companies such as Progressive, Geico, Allstate and State Farm. They all make an identical promise that you’ll save big after switching your policy.

How can each company claim to save you money?

All companies have a preferred profile for the driver that earns them a profit. For example, a preferred risk might be between 30 and 50, has no prior claims, and has great credit. Any new insured that hits that “sweet spot” gets the lowest rates and therefore will save when switching.

Drivers who don’t meet this ideal profile will be charged higher prices which usually ends up with the driver buying from a lower-cost company. Company advertisements say “customers who switch” but not “drivers who get quotes” save that kind of money. That’s the way insurance companies can confidently make those claims.

That is why drivers must get a wide range of price quotes. It’s just too difficult to predict the company that will have the lowest Toyota Prius c insurance rates.

The coverage is in the details

Learning about specific coverages of your policy can help you determine the best coverages for your vehicles. Insurance terms can be confusing and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2014 Toyota Prius c.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently these limits are set the same as your liablity limits.

Collision coverage protection

Collision coverage pays for damage to your Prius c from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like hitting a mailbox, rolling your car, sustaining damage from a pot hole and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for expenses for rehabilitation expenses, ambulance fees, prosthetic devices and EMT expenses. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability auto insurance

Liability coverage provides protection from damages or injuries you inflict on a person or their property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability can pay for things such as medical expenses, loss of income and pain and suffering. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive auto coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like hail damage, damage from flooding and a tree branch falling on your vehicle. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Quote more. Save more.

You just learned a lot of ways to lower your 2014 Toyota Prius c insurance rates. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Consumers may even find the lowest priced car insurance comes from the least-expected company.

When buying insurance coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. Too many times, someone sacrificed liability coverage limits only to regret that saving that couple of dollars actually costed them tens of thousands. The aim is to buy enough coverage at an affordable rate while not skimping on critical coverages.

Drivers switch companies for many reasons like policy cancellation, delays in responding to claim requests, unfair underwriting practices or even high rates after DUI convictions. It doesn’t matter what your reason, switching companies is not as hard as you think.

Much more information about car insurance is located on the following sites: