Lower Your 2015 Toyota Prius Car Insurance Quotes

Looking for lower insurance coverage rates for your Toyota Prius? Did you fall for a flashy sales pitch and buy overpriced insurance coverage? Trust us, there are many people just like you. Drivers have multiple insurers to insure vehicles with, and although it’s nice to be able to choose, it makes it harder to get the best deal.

Consumers need to take a look at other company’s rates periodically because rates change frequently. Even if you think you had the lowest price for Prius insurance two years ago there is a good chance you can find better rates now. Starting now, ignore everything you know about insurance coverage because it’s time to teach you one of the quickest ways to save on insurance coverage.

Choosing the best insurance company for you is easy if you know what you’re doing. If you have a policy now or are just looking to switch companies, you can use this information to cut your premiums and still get good coverage. Drivers just need to understand the proper methods to compare rates over the internet.

Toyota Prius insurance rates are influenced by…

Consumers need to have an understanding of the different types of things that help determine the price you pay for car insurance. When you know what positively or negatively determines base rates helps enable you to make changes that will entitle you to big savings.

  • Don’t buy coverages you don’t need – There are many additional coverages that you can buy on your 2015 Prius policy. Coverages for roadside assistance, towing coverage and term life insurance are examples of these. These coverages may sound good when talking to your agent, but if they’re wasting money eliminate them to save money.
  • How your age affects price – Older drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations. Teenage drivers are statistically proven to be more careless behind the wheel therefore car insurance rates are much higher.
  • Do you know you’re credit rating? – Your credit rating is a big factor in determining your rates. People with excellent credit tend to be more responsible as compared to drivers with lower credit ratings. If your credit can use some improvement, you could save money insuring your 2015 Toyota Prius by improving your credit score.
  • Never let your coverage lapse – Not having insurance is illegal and as a result your rates will increase for letting your coverage lapse. And not only will insurance be more expensive, but being ticketed for driving with no insurance might get you a steep fine or even jail time.You may have to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Protect your assets with liability insurance – The liability section of your policy provides coverage when you are found liable for damages from an accident. It will provide legal defense coverage up to the limits shown on your policy. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.
  • Marriage pays dividends – Being married can get you a discount when buying car insurance. Having a significant other is viewed as being more responsible and it’s proven that drivers who are married are more cautious.
  • Theft deterrents lower rates – Choosing a vehicle with anti-theft technology or alarm system can save you a little every year. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your vehicle from being stolen.
  • Do you have a high stress job? – Did you know your job can affect your rates? Occupations like lawyers, architects and dentists are shown to have the highest average rates because of high stress and lots of time spent at work. Other occupations like pilots, historians and performers pay the least for Prius insurance.

Comprehensive Insurance Comparison Quotes

Getting a cheaper price on 2015 Toyota Prius insurance can be relatively painless. Drivers just need to invest a few minutes to compare quotes online with multiple companies. This can be done in just a few minutes using one of these methods.

  1. The most efficient way to get quotes is a comparison rater form like this one (opens in new window). This easy form saves time by eliminating multiple quote forms for every insurance company. One simple form will get you price quotes from multiple companies.
  2. A more time consuming way to shop for insurance online is going to each company’s website to complete their respective quote request forms. For sake of this example, we’ll pretend you want comparison quotes from Auto-Owners, Farmers and Liberty Mutual. You would have to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

However you get your quotes, make sure you use apples-to-apples quote information with each company. If you have different liability limits it will be next to impossible to decipher which rate is best.

Discounts are great for lower rates

Companies don’t list all their discounts in an easy-to-find place, so the following is a list of some of the more common as well as the least known savings tricks you should be using. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Braking Control Discount – Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Service Members Pay Less – Being on active duty in the military could mean lower rates.
  • One Accident Forgiven – Certain companies will allow you to have one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Payment Discounts – By paying your policy upfront instead of paying each month you could save 5% or more.
  • Sign Online – Some insurance companies will discount your bill up to fifty bucks just for signing your application on their website.
  • Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
  • Low Mileage Discounts – Fewer annual miles on your Toyota could qualify for a substantially lower rate.
  • Multiple Cars – Insuring all your vehicles with the same company may reduce the rate for each vehicle.
  • New Vehicle Savings – Buying coverage on a new vehicle is cheaper compared to insuring an older model.

Consumers should know that most discounts do not apply to your bottom line cost. A few only apply to individual premiums such as comp or med pay. So even though it sounds like you could get a free auto insurance policy, you’re out of luck.

Companies that may offer these money-saving discounts may include but are not limited to:

Before buying, ask every prospective company how you can save money. Some discounts may not be available in your state.

You may need specialized coverage

When buying the right insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions can aid in determining whether you would benefit from professional advice.

  • Should I sign the liability waiver when renting a car?
  • When do I need to add a new car to my policy?
  • Are my tools covered if they get stolen from my vehicle?
  • Is other people’s property covered if stolen from my vehicle?
  • Is my ex-spouse still covered by my policy?
  • Is my 2015 Toyota Prius covered for smoke damage?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and can provide invaluable advice.

Auto insurance 101

Knowing the specifics of a car insurance policy can be of help when determining the right coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverages found on most car insurance policies.

Collision coverage protection

Collision insurance covers damage to your Prius from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like hitting a mailbox, damaging your car on a curb, driving through your garage door and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Liability coverages

Liability coverage can cover damage that occurs to other people or property that is your fault. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for things like court costs, emergency aid and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Toyota Prius.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive auto coverage

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a broken windshield, fire damage and hail damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage pay for immediate expenses for funeral costs, pain medications, prosthetic devices and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Stretch your dollar

We just showed you many tips how you can compare 2015 Toyota Prius insurance prices online. The most important thing to understand is the more quotes you get, the higher the chance of saving money. You may even discover the best price on insurance is with a lesser-known regional company. Some small companies often have lower prices on specific markets than the large multi-state companies such as Progressive and Geico.

Discount insurance can be sourced both online and with local insurance agents, and you should compare price quotes from both to have the best rate selection. There are still a few companies who do not offer the ability to get a quote online and these smaller companies work with independent agents.

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