Compare 2013 Toyota Prius Plug-in Insurance Quotes

Trying to find the cheapest insurance rates for your Toyota Prius Plug-in? Comparing and finding low cost prices for Driversinsurance can seem to be frustrating for drivers who have little experience shopping for insurance online. You have so many agents and companies to choose from that it can quickly become a ton of work to find more affordable rates.

Lower-cost insurance rates with discounts

The cost of insuring your cars can be expensive, but companies offer discounts that could help you make your next renewal payment. Most are applied when you quote, but some discounts are required to be specifically requested before being credited.

  • Memberships – Having an affiliation with a professional or civic organization could earn you a nice discount when getting a insurance quote.
  • Senior Citizens – Mature drivers can get a discount up to 10% on Prius Plug-in coverage.
  • Auto/Home Discount – If you can bundle your auto and home insurance with the same company you may earn up to 20% off your total premium.
  • Discounts for Responsible Drivers – Drivers who avoid accidents may save up to 50% more on Prius Plug-in coverage than drivers with accident claims.
  • Safety Course Discount – Taking a class that teaches safe driver techniques could earn you a small percentage discount and easily recoup the cost of the course.
  • No Accidents – Insureds with no claims or accidents are rewarded with significantly better rates on insurance quote in comparison with drivers who are more careless.

We need to note that some of the credits will not apply the the whole policy. Most only apply to specific coverage prices like comprehensive or collision. Despite the appearance that adding up those discounts means a free policy, it doesn’t quite work that way. But all discounts will positively reduce your overall bill.

A list of insurance companies and some of their more popular discounts can be read below.

  • 21st Century may include discounts for defensive driver, air bags, 55 and older, anti-lock brakes, and automatic seat belts.
  • State Farm may have discounts that include multiple autos, accident-free, student away at school, good student, safe vehicle, and driver’s education.
  • AAA has discounts for pay-in-full, multi-car, anti-theft, good driver, and education and occupation.
  • Liberty Mutual policyholders can earn discounts including safety features, new move discount, newly retired, preferred payment discount, good student, and teen driver discount.
  • Progressive discounts include homeowner, online quote discount, multi-vehicle, multi-policy, good student, continuous coverage, and online signing.

If you want cheaper insurance quotes, ask all companies you are considering to apply every possible discount. Some credits might not be offered in your state. To see insurance companies with the best insurance discounts, click here.

How to get low cost car insurance

There are several ways to compare rate quotes from different insurance companies. The quickest method to compare rates is to get quotes online. It is quite easy and can be accomplished by using one of the methods below.

  1. Probably the best way to get the best comparison quotes is an all-inclusive rate comparison click here to open form in new window. This quick form keeps you from doing boring form submissions for every company. One form gets insurance cost estimates from multiple companies.It’s the quickest way to get rates.
  2. A more difficult way to compare prices requires you to visit the website for each individual company to complete their respective quote request forms. For instance, we’ll pretend you want comparison quotes from Liberty Mutual, Progressive and GMAC. To find out each rate you need to visit each site to input your insurance information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  3. The most time-consuming way to find lower rates is to waste gas driving to all the different insurance agencies. The ability to get quotes online has reduced the need for local agents unless your situation requires the guidance that you can only get from talking to an agent. However, consumers can price shop your coverage online but buy the policy through an agent.

The approach you take is up to you, just be sure you’re using the exact same coverage limits and deductibles for every company. If the quotes have mixed coverages you can’t possibly make a fair comparison for your Toyota Prius Plug-in. Just slight variations in insurance coverages could mean much higher rates. It’s important to know that comparing a wide range of rates helps you find a lower rate. Some smaller insurers to not give prices over the internet, so it’s important to also get rates on coverage from those companies, too.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different.

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

  • Is my camper covered by my car insurance policy?
  • Can I afford to pay high deductible claims out of pocket?
  • How much liability insurance is required?
  • What can I do if my company won’t pay a claim?
  • Is my ex-spouse still covered by my policy?
  • Can I afford to buy a different vehicle if my 2013 Toyota Prius Plug-in is totaled?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does my medical payments coverage pay my health insurance deductible?

If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form.

Information about specific coverages

Having a good grasp of your policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Liability auto insurance – This protects you from damage or injury you incur to other people or property that is your fault. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like bail bonds, structural damage, legal defense fees and loss of income. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like rehabilitation expenses, hospital visits, prosthetic devices, dental work and funeral costs. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a building, rolling your car, damaging your car on a curb, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Toyota Prius Plug-in.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive auto coverage – This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hitting a bird, damage from flooding, hail damage, a broken windshield and hitting a deer. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Get your money’s worth

We covered some good ideas how to shop for 2013 Toyota Prius Plug-in insurance online. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may even find the lowest priced insurance comes from the least-expected company.

Drivers change insurance companies for many reasons like poor customer service, extreme rates for teen drivers, being labeled a high risk driver or an unsatisfactory settlement offer. Whatever your reason, choosing a new insurance company can be pretty painless.

Cost effective 2013 Toyota Prius Plug-in insurance is possible both online and with local insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance companies may not offer internet price quotes and these smaller companies sell through independent insurance agencies.

To learn more, take a look at these articles: