2014 Toyota Prius Car Insurance Quotes

Drivers have options when trying to find the best price on Toyota Prius insurance. They can either waste time contacting agents to get rate comparisons or leverage the internet to get rate quotes.

There is a better way to shop for insurance and you need to know the quickest way to get price quotes for a Toyota and get the best price possible from local insurance agents and online providers.

The best way to get policy rate comparisons is to know auto insurance companies participate in a system to give free rates quotes. All you need to do is spend a couple of minutes providing details such as your job, if a SR-22 is required, if you’re married, and the year, make and model of vehicles. Your information is instantly provided to insurance carriers in your area and you receive quotes instantly to find the best rate.

To find lower rates now, click here and find out if you can get cheaper insurance.

Big brands don’t always mean big savings

Consumers can’t escape the ads that claim the best car insurance rates by companies like 21st Century, Allstate and State Farm. They all seem to seem to make the promise about savings if you switch your insurance coverage policy to them.

How does every company say the same thing? Here is the trick they use.

Insurance coverage companies give the cheapest rates for the right customer that is profitable for them. For example, this type of insured could be between the ages of 30 and 50, has never had a claim, and has great credit. Someone who fits those characteristics is entitled to the best price and will save some money.

Insureds who do not fit these standards will see more expensive rates and this results in the customer not buying. If you listen to the ad wording, they say “people who switch” not “everybody who quotes” save that much. This is how insurance companies can claim big savings.

This really illustrates why you really should get a wide range of price quotes. You cannot predict the company that will provide you with the cheapest prices.

Cheaper rates by getting discounts

Car insurance is not cheap, but you might be missing out on some discounts that many consumers don’t even know exist. Many discounts should be triggered at the time of quoting, but a few must be manually applied prior to receiving the credit.

  • Senior Citizens – Drivers that qualify as senior citizens may be able to get better insurance coverage rates on Prius insurance.
  • Defensive Driver Discounts – Successfully completing a course in driver safety could save 5% or more and easily pay for the cost of the class.
  • Theft Deterent – Cars optioned with advanced anti-theft systems can help prevent theft and that can save you a little bit as well.
  • Renewal Discounts – A few insurance companies give discounts for signing up early. It can save you around 10%.
  • Distant Student Discount – Kids who live away from home at college and leave their car at home may be able to be covered for less.
  • Active Service Discounts – Being on active deployment in the military may qualify for rate reductions.

Consumers should know that most discount credits are not given to all coverage premiums. Most only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, companies wouldn’t make money that way.

Popular insurance coverage companies and their possible discounts are:

  • Farm Bureau offers discounts for safe driver, good student, youthful driver, 55 and retired, renewal discount, and driver training.
  • State Farm policyholders can earn discounts including passive restraint, Drive Safe & Save, driver’s education, student away at school, safe vehicle, and defensive driving training.
  • Progressive may include discounts for online quote discount, online signing, continuous coverage, multi-policy, homeowner, and good student.
  • Allstate has savings for auto/life discount, senior citizen, safe driver, good payer, premier plus, and 55 and retired.
  • Nationwide has discounts for multi-policy, easy pay, accident-free, anti-theft, family plan, and good student.
  • MetLife may offer discounts for claim-free, defensive driver, accident-free, good student, multi-policy, and good driver.

If you want inexpensive car insurance quotes, ask each company or agent the best way to save money. Some of the earlier mentioned discounts may not be offered in your area. To see insurance coverage companies that have a full spectrum of discounts, click this link.

Your auto insurance coverage should be tailored to you

When it comes to choosing the right insurance coverage, there really is not a single plan that fits everyone. Every insured’s situation is different.

For instance, these questions might help in determining if your situation would benefit from an agent’s advice.

  • I don’t drive much so do I pay less?
  • Am I covered when delivering products for my home-based business?
  • Why do I only qualify for high-risk insurance?
  • Is my nanny covered when driving my vehicle?
  • Should I buy more coverage than the required minimum liability coverage?
  • Why does it cost so much to insure a teen driver?
  • Do I need special endorsements for business use of my vehicle?
  • What is medical payments coverage?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form. It’s fast, free and can provide invaluable advice.

Auto insurance coverages

Understanding the coverages of your insurance policy aids in choosing the best coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement.

Collision coverages – This pays for damage to your Prius from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like driving through your garage door, crashing into a ditch, rolling your car, hitting a parking meter and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for expenses for things like X-ray expenses, rehabilitation expenses, doctor visits, funeral costs and prosthetic devices. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability coverage – This coverage protects you from injuries or damage you cause to other people or property. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as funeral expenses, repair costs for stationary objects, bail bonds and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hitting a bird, fire damage, damage from a tornado or hurricane and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your Toyota Prius.

Because many people 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. Usually the UM/UIM limits are set the same as your liablity limits.

The best insurance company isn’t always the cheapest

Drivers who switch companies do it for a variety of reasons including policy non-renewal, high prices, unfair underwriting practices or even questionable increases in premium. Regardless of your reason for switching companies, finding the right insurance coverage provider is pretty easy and you might even save some money in the process.

Budget-conscious 2014 Toyota Prius insurance can be purchased from both online companies and with local insurance agents, and you need to comparison shop both to get a complete price analysis. Some companies may not offer online rate quotes and most of the time these regional carriers work with local independent agencies.

As you shop your coverage around, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced physical damage coverage only to find out that the savings was not a smart move. Your aim should be to purchase a proper amount of coverage at the best cost, but don’t skip important coverages to save money.

Additional insurance coverage information can be found on the following sites: