Cheap 2014 Toyota Prius Insurance Quotes

Trying to find better car insurance rates for your Toyota Prius? Searching for better insurance prices for a Toyota Prius can be a lot of work, but you can use these tips to save time.

There is a better way to buy car insurance so we’re going to tell you the best way to get price quotes for a Toyota and get the lowest possible price from local insurance agents and online providers.

Pricing affordable insurance coverage is simple if you know the tricks. If you have a policy now or are just looking to switch companies, you can learn to find better prices while maximizing coverage. Consumers just need to learn the most effective way to compare price quotes over the internet.

These factors can influence Toyota Prius insurance rates

Consumers need to have an understanding of the rating factors that play a part in calculating your insurance rates. Understanding what determines base rates enables informed choices that could result in much lower annual insurance costs.

  • Lower rates with optional equipment – Owning a car with a theft deterrent system can help lower your rates. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your vehicle from being stolen.
  • Lower rates come with age – Older drivers are more cautious drivers, statistically cause fewer accidents and tend to be better behind the wheel. Teenage drivers have a tendency to be less responsible behind the wheel and because of this, their insurance rates are much higher.
  • Don’t buy coverages you don’t need – There are quite a few extra coverages that you can buy when buying insurance. Things like rental car reimbursement, towing coverage and additional equipment coverage are examples of these. These coverages may sound good when talking to your agent, but now you might not need them so remove them from your policy.
  • The more you drive the more you pay – The higher the mileage driven in a year the higher your rates will be. Most companies price each vehicle’s coverage based on how the vehicle is used. Cars and trucks that are left in the garage receive lower rates compared to those used for work or business. Improper usage on your Prius can cost quite a bit. Verify your insurance declarations sheet properly reflects the correct usage for each vehicle, because improper ratings can cost you money.

How to Compare Insurance Costs

Effectively comparing insurance prices can take hours if you don’t understand the best way to get rate quotes. You could spend your day talking about coverages with insurance agencies in your area, or you could save time and use the web to accomplish the same thing much quicker.

All the larger companies take part in a program where insurance shoppers submit one quote, and at least one company returns a competitive quote based on that information. This eliminates the need for quote requests to every company. To compare 2014 Toyota Prius rates using this form now click here to start a free quote.

The single downside to using this type of system is that you can’t choose the insurers you want pricing from. So if you prefer to choose specific providers for rate comparison, we put together a list of insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just compare the exact same deductibles and coverage limits for each comparison quote. If you enter differing limits it’s not possible to find the best deal for your Toyota Prius.

More discounts equal less premium

The price of auto insurance can be rather high, but you can get discounts that many people don’t even know exist. A few discounts will automatically apply when you complete an application, but lesser-known reductions have to be specifically requested before you get the savings. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

  • Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you may earn up to 20% off your total premium.
  • No Charge for an Accident – A few companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
  • Clubs and Organizations – Being a member of a qualifying organization may earn a discount when buying insurance coverage on Prius coverage.
  • Safe Driver Discount – Safe drivers can get discounts for up to 45% lower rates on Prius coverage than drivers with accident claims.
  • E-sign – Certain companies will give a small break for buying a policy and signing up digitally online.
  • Low Mileage – Fewer annual miles on your Toyota can earn a substantially lower rate.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.

Drivers should understand that most discounts do not apply to the entire cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, companies don’t profit that way. But any discount will reduce your premiums.

To see a list of providers who offer insurance coverage discounts, click here to view.

It’s not one size fits all

When it comes to choosing proper insurance coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine if you might need an agent’s assistance.

  • Should I buy only the required minimum liability coverage?
  • Should I have combined single limit or split liability limits?
  • Do I have coverage when pulling a U-Haul trailer?
  • Can my babysitter drive my car?
  • Is upholstery damage covered by car insurance?
  • Can I drive in Mexico and have coverage?
  • Are my friends covered when driving my car?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form. It is quick, free and can help protect your family.

Information about specific coverages

Learning about specific coverages of a insurance policy can help you determine the right coverages for your vehicles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Collision protection

Collision coverage covers damage to your Prius from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like backing into a parked car, driving through your garage door, colliding with a tree and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Liability auto insurance

Liability insurance protects you from injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as loss of income, legal defense fees and court costs. How much coverage you buy is your choice, but buy as much as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as a broken windshield, damage from flooding and hail damage. The most your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense insurance

Med pay and PIP coverage pay for expenses like EMT expenses, doctor visits and surgery. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

This coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Toyota Prius.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Normally these coverages are set the same as your liablity limits.

Save for a rainy day

Affordable 2014 Toyota Prius insurance can be purchased online and with local insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies do not offer online quoting and most of the time these small insurance companies sell through independent agents.

While you’re price shopping online, it’s very important that you do not skimp on coverage in order to save money. There are too many instances where consumers will sacrifice collision coverage and found out when filing a claim that the savings was not a smart move. Your goal should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

You just read quite a bit of information on how to reduce insurance prices online. It’s most important to understand that the more you quote, the better your chances of lowering your rates. You may even find the lowest rates come from a small mutual company.

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