Lower Your 2009 Toyota Prius Insurance Rates

Want better insurance rates for your Toyota Prius? Getting cheap insurance might appear problematic for beginners to buying insurance online. With literally dozens of companies competing online, how can people efficiently compare all the different companies and get the best pricing?

Consumers should take time to get comparison quotes every six months because insurance prices are constantly changing. Just because you found the best quotes for Prius insurance a year ago there is a good chance you can find better rates now. Block out anything you think you know about insurance because you’re about to find out the only way to eliminate unnecessary coverages and save money.

How to get car insurance price quotes

When comparison shopping, there are several ways of comparing rates from many different insurance companies. The best method to find the lowest 2009 Toyota Prius rates is to jump online and get quotes. This can be done in just a few minutes using one of these methods.

  • The fastest way to compare a lot of rates at once is an all-inclusive rate comparison like this one (opens in new window). This method saves time by eliminating multiple quote forms for every car insurance company. A single, simple form gets coverage cost estimates direct from many companies. It’s definitely the quickest method.
  • A different way to find better pricing is going to the website of each company and repeat the quote process. For example, we’ll pretend you want to get rates from State Farm, Progressive and Allstate. You would need to spend time going to each site individually and enter your policy data, which is why first method is reommended.

    To view a list of companies in your area, click here.

Whichever method you choose, try to use equivalent coverage limits on every quote. If each company quotes different deductibles you will not be able to determine which rate is truly the best. Even a minor difference in insurance coverages or limits may result in large price differences. And when price shopping your coverage, having more price comparisons will improve the odds of getting the best price.

Insurance coverage companies offer lots of discounts

Companies don’t necessarily list every disount available very clearly, so the list below gives a summary of a few of the more well known and also the more inconspicuous discounts that may be available.

  • Life Insurance – Select companies reward you with a break if you buy auto and life insurance together.
  • Online Discount – Some larger companies will discount your bill up to fifty bucks get insurance online.
  • Lower Rates for Military – Being on active deployment in the military could be rewarded with lower insurance coverage rates.
  • Full Payment Discount – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • Theft Deterent Discount – Cars optioned with advanced anti-theft systems are stolen less frequently and can earn a small discount on your policy.
  • Memberships – Affiliation with a qualifying organization could trigger savings on insurance coverage.
  • Good Student – Getting good grades can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • College Student Discount – College-age children who attend college more than 100 miles from home and won’t have access to an insured vehicle may be insured at a cheaper rate.

We need to note that most credits do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, it just doesn’t work that way.

Companies and some of their more popular discounts can be found below.

  • Farmers Insurance may offer discounts for business and professional, mature driver, youthful driver, bundle discounts, and electronic funds transfer.
  • State Farm may include discounts for good student, anti-theft, safe vehicle, good driver, and defensive driving training.
  • Liberty Mutual may have discounts that include new move discount, newly married, preferred payment discount, teen driver discount, and multi-car.
  • MetLife policyholders can earn discounts including good student, multi-policy, defensive driver, claim-free, good driver, and accident-free.
  • Progressive has savings for good student, multi-vehicle, homeowner, online signing, online quote discount, multi-policy, and continuous coverage.

If you want inexpensive insurance quotes, ask every insurance company which discounts can lower your rates. Depending on the company, some discounts may not apply in your area. If you would like to choose from a list of insurance coverage companies with significant discounts, click this link.

Do I just need basic coverages?

When it comes to buying the right insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Each situation is unique.

For example, these questions can help discover if your insurance needs would benefit from professional advice.

  • What is medical payments coverage?
  • Does my 2009 Toyota Prius qualify for pleasure use?
  • Is there coverage for injuries to my pets?
  • Who is covered by my policy?
  • Is my teen driver covered when they drive my company car?
  • What can I do if my company won’t pay a claim?
  • Is my nanny covered when driving my vehicle?
  • Should I have combined single limit or split liability limits?
  • Does insurance cover tools stolen from my truck?
  • What if I total my 2009 Toyota Prius and owe more than it’s worth?

If you’re not sure about those questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form.

Auto insurance coverage breakdown

Knowing the specifics of auto insurance helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like doctor visits, X-ray expenses, hospital visits, EMT expenses and prosthetic devices. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

This gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, fire damage and damage from flooding. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for collisions

This pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with a tree, damaging your car on a curb, driving through your garage door and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Coverage for liability

Liability insurance provides protection from damage that occurs to a person or their property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as medical expenses, repair costs for stationary objects and legal defense fees. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

A little work can save a LOT of money

We’ve covered many ideas to save on 2009 Toyota Prius insurance. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding cheap insurance. Consumers may even find the lowest premium rates come from some of the lesser-known companies.

A few companies do not provide online rate quotes small, regional companies provide coverage only through independent agents. Lower-priced auto insurance can be found both online in addition to local insurance agencies, and you should be comparing both to have the best chance of lowering rates.

As you go through the steps to switch your coverage, you should never buy less coverage just to save a little money. There are too many instances where an insured cut collision coverage only to find out that the small savings ended up costing them much more. The aim is to find the BEST coverage at the best cost while still protecting your assets.

Additional auto insurance information can be read on the following sites: