Compare 2013 Toyota Prius c Insurance Quotes

Looking for cheaper insurance rates for your Toyota Prius c? I really doubt anyone rejoices having to buy insurance, in particular when it costs too dang much. Companies like Allstate, Liberty Mutual and State Farm promote their brand names with fancy advertisements and consumers find it hard to separate fact from fiction and find the best price available.

How your Prius c insurance premiums are determined

The best way to find cheaper insurance is to take a look at some of the things that go into determining insurance rates. If you know what influences your rates, this enables informed choices that will entitle you to cheaper rates.

  • Safer vehicles means cheaper insurance – Vehicles that have high safety ratings tend to be cheaper to insure. Vehicles engineered for safety protect occupants better and better occupant protection means your insurance company pays less and cheaper rates on your policy.
  • Your spouse saves you money – Walking down the aisle may save some money when shopping for insurance. Having a significant other is viewed as being more financially stable and insurance companies reward insureds because married drivers tend to file fewer claims.
  • Bundle home and auto and save – Some insurers will award discounts to clients that have more than one policy. It’s known as a multi-policy discount. Discounts can be ten or even fifteen percent. Even with this discount, it’s still a good idea to compare other insurance prices to make sure you are getting the best deal.
  • Obey driving laws and save – Your driving record has a huge affect on how much you pay. Drivers with clean records pay less for auto insurance than people who have multiple driving citations. Having just one speeding ticket or other violation can bump up the cost to the point where it’s not affordable. Drivers who get careless tickets like DWI, reckless driving or hit and run convictions are required to submit a SR-22 or proof of financial responsibility with their state DMV in order to drive a vehicle legally.

Lower rates by qualifying for discounts

Not many people think insurance is cheap, but discounts can save money and there are some available to help bring down the price. Many discounts should be triggered at the time you complete a quote, but some must be asked for before you will receive the discount.

  • Accident Forgiveness Coverage – but some insurance companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a specific time period.
  • Student in College – Youth drivers who live away from home to go to college and do not take a car to college can receive lower rates.
  • Drive Safe and Save – Insureds without accidents may save up to 50% more for Prius c coverage than drivers with accidents.
  • Early Signing – Select insurance companies give a discount for signing up before your current expiration date. You may see this discount when you get car insurance quotes online.
  • Discount for New Cars – Buying a new car model may earn a small discount compared to insuring an older model.
  • Professional Organizations – Being a member of a civic or occupational organization could earn you a nice discount on your next renewal.

Keep in mind that most discounts do not apply to all coverage premiums. Most only reduce individual premiums such as medical payments or collision. Despite the fact that it seems like all the discounts add up to a free policy, that’s just not realistic.

A few popular companies and a partial list of their discounts can be read below.

  • State Farm may offer discounts for anti-theft, safe vehicle, multiple autos, Steer Clear safe driver discount, and student away at school.
  • Farmers Insurance may have discounts that include homeowner, switch companies, alternative fuel, early shopping, mature driver, distant student, and good student.
  • Progressive discounts include continuous coverage, multi-policy, online signing, online quote discount, good student, and multi-vehicle.
  • GEICO offers discounts for multi-policy, multi-vehicle, military active duty, seat belt use, and driver training.
  • Auto-Owners Insurance includes discounts for safe vehicle, anti-lock brakes, student away at school, air bags, multiple vehicles, mature driver, and paid in full.
  • The Hartford has discounts for anti-theft, air bag, defensive driver, good student, and vehicle fuel type.
  • Farm Bureau policyholders can earn discounts including driver training, safe driver, good student, renewal discount, and youthful driver.
  • USAA offers premium reductions for defensive driver, multi-vehicle, good student, new vehicle, and loyalty savings.

If you need affordable car insurance quotes, ask each insurance company how many discounts you can get. Some of the discounts discussed earlier might not be offered on policies in your area.

Car insurance companies are expert advertisers

Drivers can’t escape the ads for the lowest price car insurance from companies such as State Farm and Allstate. They all have a common claim about how much you will save after switching your coverage.

That’s great but how can every company give you a lower rate?

Most companies have specific criteria for the type of driver that will most likely be profitable. A good example of this type of insured may be between the ages of 30 and 50, has a low-risk occupation, and drives a lower-performance vehicle. Any person who fits that profile receives the best auto insurance rates and will most likely save if they switch.

People who cannot meet the “perfect” profile will get higher rates which usually ends up with the customer not buying. The trick companies use is to say “people who switch” but not “all drivers who get quotes” save that kind of money. This is how companies can claim big savings.

This really illustrates why you need to compare quotes as often as possible. It’s just too difficult to predict with any certainty which company will provide you with the cheapest prices.

Auto insurance is unique, just like you

When buying adequate coverage, there really is not a single plan that fits everyone. Each situation is unique and your policy should reflect that. Here are some questions about coverages that may help you determine whether or not you would benefit from professional advice.

  • Am I covered when pulling a rental trailer?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Does my insurance cover a custom paint job?
  • Do I have coverage when using my vehicle for my home business?
  • Is my dog or cat covered if injured in an accident?
  • Do all my vehicles need collision coverage?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverages explained

Understanding the coverages of a car insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are the normal coverages offered by car insurance companies.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like rehabilitation expenses, prosthetic devices, X-ray expenses and nursing services. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision – Collision coverage pays for damage to your Prius c resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like scraping a guard rail, sideswiping another vehicle and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Auto liability insurance – Liability insurance provides protection from damage that occurs to other people or property. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like emergency aid, medical services, structural damage and funeral expenses. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Comprehensive (Other than Collision) – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a bird, falling objects, damage from flooding, theft and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2013 Toyota Prius c.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Quote more, save more

When trying to cut insurance costs, don’t be tempted to skimp on coverage in order to save money. Too many times, someone sacrificed comprehensive coverage or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

We just showed you a lot of tips how to reduce 2013 Toyota Prius c insurance rates online. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the most savings is with the least-expected company. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.

More information can be read at the links below