Compare 2017 Toyota Prius c Insurance Rates

Searching for the cheapest auto insurance rates? Consumers have options when looking for the best price on Toyota Prius c insurance. You can either spend your time struggling with agents to get rate comparisons or leverage the internet to get rate quotes.

There are both good and bad ways to buy auto insurance so you’re going to learn the best way to price shop coverage for a Toyota and get the lowest possible price either online or from local insurance agents.

Insurance coverage companies offer money-saving discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available that you may not even be aware of. Larger premium reductions will be automatically applied when you quote, but once in a while a discount must be asked for before you will receive the discount. If you are not receiving all the discounts you qualify for, you’re just leaving money on the table.

  • Defensive Driver Discounts – Taking part in a defensive driving course may get you a small discount and make you a better driver.
  • ABS Braking Discount – Cars, trucks, and SUVs that have anti-lock braking systems can reduce accidents and the ABS can save up to 10%.
  • Claim-Free Discount – Insureds with no claims or accidents can earn big discounts in comparison with insureds who have frequent claims or accidents.
  • Multi-line Discount – Not all insurance coverage companies offer life insurance, but some may give you a lower premium rate if you buy some life insurance in addition to your auto policy.
  • Telematics Discount – Policyholders that allow data collection to track their driving habits by using a telematic data system like Allstate’s Drivewise may get a rate reduction as long as they are good drivers.
  • Low Mileage Discounts – Driving fewer miles may enable drivers to earn lower rates on the low mileage vehicles.
  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class in high school.

As is typical with insurance, most credits do not apply to the entire policy premium. A few only apply to specific coverage prices like comp or med pay. Even though it may seem like it’s possible to get free car insurance, companies don’t profit that way.

Some of the insurance companies that may have most of the discounts above include:

If you want cheaper car insurance quotes, ask every prospective company which discounts you may be entitled to. All car insurance discounts might not apply in your area.

Low cost car insurance prices

Getting a low cost price on 2017 Toyota Prius c insurance is a great way to save money. The only requirement is to spend a few minutes on the computer getting comparison quotes to find. It’s really simple and can be done in several different ways.

One of the simplest ways to get quotes for comparison is to use a rate comparison form (click to open form in new window). This type of form eliminates the need for separate forms for each company you want a rate for. One simple form gets coverage cost estimates from car insurance companies with the best prices. This is perfect if you don’t have a lot of time.

A harder way to find lower rates consists of going to each individual company website to request a price quote. For examples sake, let’s say you want rates from Geico, Safeco and Allstate. In order to compare rates, you need to visit each site and repeatedly type in your coverage information, which is not fast way to get rate quotes. For a handy list of car insurance company links in your area, click here.

Which method you use is up to you, but double check that you are using identical quote data on every quote you get. If you have unequal deductibles or liability limits it’s impossible to determine the best price for your Toyota Prius c.

Informed drivers can cut their insurance costs

Many different elements are used when pricing auto insurance. Some are pretty understandable like an MVR report, although some other factors are less apparent like your vehicle usage or your financial responsibility.

  • Eliminate extra coverages – There are a lot of extra coverages that can waste your money if you aren’t careful. Things like rental car coverage, towing, and extra life insurance coverage may be costing you every month. They may sound like good ideas when talking to your agent, but your needs may have changed so get rid of them and save.
  • Better prices for no policy lapses – Having a gap between insurance policy dates is a guaranteed way to bump up your insurance costs. Not only will rates go up, the inability to provide proof of insurance might get you fines and jail time. You may need to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • Higher deductibles reduce costs – Comp and collision deductibles are the amount of money you are willing to pay before a claim is paid by your company. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some instances where coverage would apply are a windshield broken by a bird, animal collisions, and having a roll-over accident. The more expense you have to pay, the less your company will charge you for insurance for Prius c coverage.
  • Women tend to be lower risk – Over the last 50 years, statistics have shown women are more cautious behind the wheel. The data does not necessarily mean that women are BETTER drivers than men. Men and women are in fender benders at about the same rate, but guys tend to have more serious accidents. Men also statistically get ticketed for serious violations like reckless driving and DUI. Teenage male drivers are most likely to cause an accident and are penalized with high insurance rates.
  • Your liability coverage limits – A critical coverage on your policy, liability insurance will protect you in the event that a court rules you are at fault for causing personal injury or damage in an accident. This coverage provides for a legal defense to defend your case. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.
  • More annual miles equals more premium – The higher the mileage driven in a year’s time the higher your rates will be. The majority of insurers calculate rates based upon how you use the vehicle. Cars and trucks used primarily for pleasure use qualify for better rates than cars that get driven a lot. Make sure your insurance policy shows the proper vehicle usage. Improper usage on your Prius c may be costing you.

Do I just need basic coverages?

When it comes to buying adequate coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can aid in determining if you might need an agent’s assistance.

  • Do I need to file an SR-22 for a DUI in my state?
  • Is my 2017 Toyota Prius c covered for smoke damage?
  • I have health insurance so do I need medical payments coverage?
  • Is my state a no-fault state?
  • Am I covered if I crash into my own garage door?
  • What if I don’t agree with a claim settlement offer?
  • What happens if I owe more than my 2017 Toyota Prius c is worth?
  • Why am I required to buy liability insurance?
  • Is my teenager covered with friends in the car?
  • Do I have coverage when pulling a U-Haul trailer?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Car insurance coverage information

Understanding the coverages of car insurance aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Collision protection

This coverage covers damage to your Prius c resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as sustaining damage from a pot hole, crashing into a building, damaging your car on a curb, scraping a guard rail and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a bird, hitting a deer, hail damage, rock chips in glass and vandalism. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability

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

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. 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 like loss of income, medical expenses and structural damage. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like X-ray expenses, chiropractic care and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

The best insurance company isn’t always the cheapest

People leave their current company for many reasons like poor customer service, policy non-renewal, unfair underwriting practices or even high rates after DUI convictions. Regardless of your reason for switching companies, choosing a new insurance company is pretty easy and you might even save some money in the process.

As you quote car insurance, you should never skimp on critical coverages to save a buck or two. In many instances, an insured dropped liability limits or collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

We just showed you a lot of ways to save on 2017 Toyota Prius c insurance. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding the cheapest car insurance. You may even find the best rates are with the smaller companies.

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