Cheap 2004 Toyota Prius Car Insurance Quotes

Trying to find the cheapest car insurance rates for your Toyota Prius? Are you sick and tired of not being able to afford to make your car insurance payment? You’re in the same situation as the majority of other people. Companies like State Farm, GEICO and Farmers Insurance continually hit you with advertising and it can be hard to ignore the flashy ads and find the best price available.

Cheapest auto insurance rate quotes

All the larger auto insurance companies provide prices from their websites. Getting prices online can be done by anyone because you just enter the coverages you want on the page. After you submit the form their rating system orders your driving and credit reports and generates a price based on many factors. Quoting online makes it a lot easier to compare rates but the work required to visit each company’s website and repetitively enter the same data into a form is a waste of time. Unfortunately, it is important to compare as many rates as possible in order to get lower prices.

A quicker way to locate the lowest prices makes use of a single form that gets prices from several different companies. It saves time, reduces the work, and makes online price comparison a lot less work. As soon as the form is sent, it is quoted and you can select your choice of the quotes returned. If the quotes result in lower rates, you can simply submit the application and purchase coverage. It only takes a few minutes and you will find out if you’re overpaying now.

In order to compare rates now, click here to open in a new tab and submit your coverage information. If you have a policy now, it’s recommended you type in your coverages identical to your current policy. Doing this guarantees you are getting rate comparison quotes for the exact same coverage.

Five things that influence your insurance rates

Multiple criteria are taken into consideration when you get a price on insurance. Some are obvious such as traffic violations, although some other factors are less apparent such as whether you are married or your vehicle rating.

  • Advanced theft deterrents – Choosing a vehicle with a theft deterrent system can save you a little every year. Anti-theft features such as OnStar, LoJack tracking, and tamper alarms help track and prevent auto theft.
  • Age of drivers impacts rates – Youthful drivers are statistically shown to be inattentive and easily distracted when at the wheel of a vehicle and because of this, their auto insurance rates are much higher. Older drivers tend to be more responsible, file fewer claims and receive fewer citations.
  • Where do you drive? – The more miles you rack up on your Toyota in a year’s time the higher your rates will be. Almost all companies calculate rates based upon how you use the vehicle. Autos left parked in the garage cost less to insure than cars that get driven a lot. Having an incorrect usage rating on your Prius is just wasting money. Double check that your vehicle rating reflects the correct usage for each vehicle.
  • Your gender affects costs – Statistics show women are more cautious behind the wheel. It does not mean men are worse drivers. Females and males are responsible for fender benders in similar percentages, but guys get into accidents with more damage. Not only that, but men also get cited for more serious violations such as DWI and reckless driving.
  • Better prices for being claim-free – Car insurance companies generally give cheaper rates to people who are claim-free. If you tend to file frequent claims, you can pretty much guarantee higher premiums or even policy non-renewal. Insurance coverage is designed for larger claims.

Cheaper rates by taking advantage of discounts

Companies that sell car insurance don’t always advertise all possible discounts very well, so the below list has both the well known and also the more inconspicuous credits available to bring down your rates.

  • Discounts for Multiple Vehicles – Purchasing coverage when you have multiple cars on one policy can reduce the rates for all insured vehicles.
  • Discount for Multiple Policies – If you have multiple policies with the same insurance company they may give you a discount of up to 20% and get you affordable car insurance.
  • Early Signing – Some insurance coverage companies reward drivers for buying a new policy prior to the expiration date on your current policy. It could save around 10% when you buy car insurance online.
  • ABS Braking Discount – Cars with ABS braking systems or traction control can avoid accidents and qualify for as much as a 10% discount.
  • Homeowners Savings – Owning a house may earn you a small savings because maintaining a house is proof that your finances are in order.

Drivers should understand that most of the big mark downs will not be given to the entire cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, it just doesn’t work that way.

Car insurance companies that possibly offer some of the above discounts include:

Before you buy a policy, ask each company or agent which discounts they offer. All car insurance discounts might not be available to policyholders everywhere.

How much car insurance do I need?

When choosing proper insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if your situation will benefit from professional help.

  • Am I covered if I wreck a rental car?
  • Is my teenager covered with friends in the car?
  • What discounts do I qualify for?
  • Do I benefit by insuring my home with the same company?
  • Do I have newly-aquired coverage?
  • What is covered by UM/UIM coverage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • What is high-risk coverage and where do I buy it?
  • Where can I find high-risk insurance?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Auto insurance policy specifics

Learning about specific coverages of your policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Listed below are typical coverages offered by auto insurance companies.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hail damage, theft, hitting a bird, damage from getting keyed and vandalism. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance – This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Toyota Prius.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as EMT expenses, surgery, prosthetic devices and ambulance fees. They can be utilized in addition to 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. PIP coverage is not universally available and may carry a deductible

Collision coverages – This coverage will pay to fix damage to your Prius resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like crashing into a building, hitting a parking meter and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Liability – This coverage can cover damage or injury you incur to a person or their property in an accident. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as legal defense fees, pain and suffering, emergency aid, repair costs for stationary objects and medical expenses. 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.

Smart shoppers get results

We just showed you a lot of tips how to get a better price on 2004 Toyota Prius insurance. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the best premium rates are with some of the lesser-known companies. They often have lower prices on specific markets as compared to the big name companies such as Allstate or State Farm.

There are still a few companies who do not offer online quoting and many times these regional carriers work with independent agents. Affordable 2004 Toyota Prius insurance is possible both online and from local insurance agents, and you should be comparing both so you have a total pricing picture.

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