Cheap 2015 Toyota Prius v Car Insurance Quotes

If you’re shopping for lower-cost insurance online, are you confused by the number of insurance companies available to you? There are so many options that it can turn into a real hassle to find the lowest price.

You should take the time to price shop coverage periodically since insurance prices are usually higher with each renewal. If you had the best quotes for Prius v insurance a few years ago a different company probably has better rates today. Block out anything you think you know about insurance because I’m going to let you in on the secrets to one of the quickest ways to find the best coverage while lowering your premiums.

How to get auto insurance price quotes

There are several ways you can shop for auto insurance and some are easier and takes less work. You could spend your day driving to agents in your area, or you can stay home and use the web to get pricing more quickly.

Many of the larger companies belong to a marketplace that enables customers to submit their information once, and at least one company returns a competitive quote for coverage. This saves time by eliminating quote requests for every auto insurance company.

To use this form to compare rates click here to open in new window.

One minor caviat to doing it this way is that consumers can’t choose which carriers you want to price. If you wish to select specific insurance companies for rate comparison, we have assembled a list of companies who write auto insurance in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but be sure you’re using the same quote data for each comparison quote. If the quotes have differing limits it’s impossible to determine the best price for your Toyota Prius v. Just a small difference in coverage limits can make a big difference in price. And when comparison shopping, getting more free quotes increases the change that you will find the best rates. Some smaller insurers to not give online price quotes, so it’s necessary to compare price estimates on coverage from those companies, too.

Don’t assume everyone needs the same auto insurance coverage

When it comes to choosing the best auto insurance coverage for your vehicles, there is no one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions may help highlight if your insurance needs might need an agent’s assistance.

  • How much liability do I need to cover my assets?
  • Am I covered if I wreck a rental car?
  • Do I need replacement cost coverage on my 2015 Toyota Prius v?
  • Should I buy more coverage than the required minimum liability coverage?
  • What companies insure drivers after a DUI or DWI?
  • Is business property covered if stolen from my car?
  • I have good health insurance, so how much medical payments coverage do I need?
  • When would I need rental car insurance?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form.

The coverage is in the details

Understanding the coverages of insurance helps when choosing which coverages you need for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as colliding with a tree, rolling your car, sustaining damage from a pot hole, backing into a parked car and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like funeral costs, doctor visits and nursing services. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your Toyota Prius v.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from getting keyed, a broken windshield and vandalism. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverage

Liability coverage will cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things such as attorney fees, legal defense fees, court costs and structural damage. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.