Lower Your 2017 Toyota Prius Car Insurance Quotes

Looking for the cheapest insurance rates for your Toyota Prius? Are you burned out from scraping nickels together each month for insurance? You are no different than many other consumers. Due to the large number of choices, it is hard for the average consumer to find the best company.

It’s a good habit to shop coverage around before your next renewal because insurance prices tend to go up over time. Just because you found the best deal for Prius coverage a few years ago there is a good chance you can find better rate quotes now. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to the best methods to reduce your cost while improving coverage.

How to get insurance coverage price quotes

Comparing insurance coverage rates can be a daunting task if you don’t understand the best way to get rate quotes. You can waste a lot of time talking to local insurance agents in your area, or you could use online quotes to quickly compare rates.

The majority of car insurance companies enroll in a system that enables customers to enter their policy data once, and each company returns a competitive quote. This prevents consumers from doing quotation requests for each company. To compare rates using this form now click here to open in new window.

The one downside to using this type of form is that consumers can’t choose the providers to get quotes from. If you prefer to choose from a list of companies to receive pricing from, we put together a list of insurance coverage companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just ensure you are comparing identical coverage limits and deductibles for each price quote. If you compare different deductibles you can’t possibly make a fair comparison for your Toyota Prius.

Tailor your car insurance coverage to you

When buying coverage, there is no single plan that fits everyone. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that can aid in determining whether or not you might need professional guidance.

How do I insure my teen driver?
What can I do if my company won’t pay a claim?
Do I need more liability coverage?
Is extra glass coverage worth it?
Is my Toyota Prius covered if I use it for business?
When can my company non-renew my policy?
When do I need to add a new car to my policy?
Is business property covered if stolen from my car?
When should I drop full coverage on my 2017 Toyota Prius?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Coverage specifics

Having a good grasp of your policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are the usual coverages found on the average auto insurance policy.

Coverage for collisions

Collision coverage covers damage to your Prius resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like sustaining damage from a pot hole, rolling your car, driving through your garage door, sideswiping another vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for bills for things like rehabilitation expenses, doctor visits and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverages

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

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as court costs, loss of income and attorney fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Toyota Prius.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive auto insurance

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hail damage, damage from flooding, theft and hitting a bird. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.