2013 Toyota Prius Plug-in Insurance Quotes – 5 Discounts for Best Rates

Vehicle owners that are new to comparison shopping online may discover locating cheap insurance can be quite challenging.

Consumers need to price shop coverage occasionally due to the fact that insurance prices trend upward over time. Even if you think you had the lowest quotes for Prius Plug-in coverage on your last policy you may be paying too much now. Block out anything you think you know about auto insurance because we’re going to demonstrate the only way to find the best coverage while lowering your premiums.

If you currently have a car insurance policy, you should be able to cut costs considerably using these tips. Shopping for affordable coverage can be fairly easy. But drivers can benefit from knowing the way companies compete online and apply this information to your search.

More discounts mean affordable premiums

Some companies don’t always advertise every policy discount in an easy-to-find place, so the list below details a few of the more common and also the lesser-known credits available to you.

  • Government Employee Discount – Active or former government employment could qualify for a slight premium decrease for Prius Plug-in coverage with some car insurance companies.
  • Safe Driver Discount – Safe drivers can get discounts for up to 45% lower rates for Prius Plug-in coverage compared to rates paid by drivers with frequent claims.
  • Memberships – Participating in qualifying clubs or civic groups could qualify you for a break on your policy.
  • Paperless Signup – Some larger companies will provide an incentive just for signing your application on their website.
  • Driving Data Discount – Policyholders that allow their insurance company to analyze vehicle usage through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if they exhibit good driving behavior.

While discounts sound great, it’s important to understand that most discounts do not apply to the entire policy premium. The majority will only reduce specific coverage prices like comp or med pay. Despite the fact that it seems like it’s possible to get free car insurance, it’s just not the way it works.

A few of the larger companies and some of their more popular discounts are:

  • 21st Century offers discounts for automatic seat belts, theft prevention, homeowners, air bags, driver training, early bird, and good student.
  • State Farm discounts include driver’s education, defensive driving training, good student, good driver, multiple policy, Steer Clear safe driver discount, and passive restraint.
  • AAA may have discounts that include AAA membership discount, good driver, education and occupation, pay-in-full, multi-policy, good student, and multi-car.
  • Liberty Mutual has discounts for teen driver discount, preferred payment discount, newly married, safety features, new vehicle discount, and good student.
  • Progressive may offer discounts for homeowner, good student, continuous coverage, multi-vehicle, online quote discount, and online signing.

Check with every insurance company to give you their best rates. Some discounts listed above might not be offered in your area. To see a list of providers that offer some of these discounts, follow this link.

It’s not one size fits all

When buying coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover whether you will benefit from professional help.

  • Does insurance cover damages from a DUI accident?
  • What vehicles should carry emergency assistance coverage?
  • Does liability extend to a camper or trailer?
  • Are split liability limits better than a combined single limit?
  • Do I need higher collision deductibles?
  • Is my state a no-fault state?
  • Is my teenager covered with friends in the car?
  • Is my Toyota Prius Plug-in covered if I use it for business?
  • I have a DUI can I still get coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form.

Drivers who switch save $390 a year? Really?

Popular insurance coverage providers such as 21st Century, Allstate and State Farm consistently run ads in print and on television. All the ads convey the message that drivers can save some big amount if you get a free insurance quote and switch your insurance coverage policy to them. How does every insurance coverage company claim to save you money? It’s all in the words they use.

Most companies provide the lowest rates for the right customer that will generate a profit. An example of a desirable risk could possibly be over age 30, insures multiple vehicles, and chooses high deductibles. Anyone that fits those parameters receive the lowest rate quotes and will save quite a bit of money when switching.

People who don’t meet these stringent criteria will see higher prices and this results in business not being written. If you pay attention, the ads say “people that switch” but not “everyone who gets a quote” save money. That is how insurance companies can make the claims of big savings. This really drives home the point why you absolutely need to compare rate quotes every year. It is impossible to guess which company will have the best rates at this point in time.

Coverage specifics

Having a good grasp of a car insurance policy can help you determine which coverages you need for your vehicles. Policy terminology can be confusing and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, vandalism, hitting a deer and damage from flooding. The maximum payout your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverages – This coverage pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like driving through your garage door, colliding with a tree and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Coverage for liability – Liability insurance can cover injuries or damage you cause to other’s property or people in an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers things such as attorney fees, pain and suffering, repair costs for stationary objects and court costs. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Insurance for medical payments – Med pay and PIP coverage provide coverage for immediate expenses like nursing services, funeral costs, pain medications and dental work. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your Toyota Prius Plug-in.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

In any little way, save everyday

We just covered quite a bit of information on how to lower your 2013 Toyota Prius Plug-in insurance rates. The key thing to remember is the more providers you compare, the better chance you’ll have of finding affordable insurance. You may even discover the most savings is with a company that doesn’t do a lot of advertising.

Affordable 2013 Toyota Prius Plug-in insurance can be bought online as well as from independent agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies do not provide internet price quotes and most of the time these small insurance companies sell through independent insurance agencies.

As you restructure your insurance plan, it’s a bad idea to reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced full coverage and learned later that it was a big mistake. Your strategy should be to purchase plenty of coverage at the best possible price while still protecting your assets.

To learn more, take a look at the resources below: