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Toyota Prius Insurance Rates

Buying car insurance on the web is easy, plus you can save money. The key is to take the time to get rates from as many companies as possible in order to have the cheapest rate quotes.

People who are new to buying insurance may think purchasing cut-rate Prius insurance is not very easy. There are several ways to get quotes from local car insurance companies. The recommended way to compare Prius insurance cost is to get quotes online. This can be done by comparing rates here.

Rates are impacted by...

Car insurance premiums for your Toyota Prius can vary widely based upon several criteria. Including but not limited to:

  • Your driving record
  • Credit rating
  • Men typically pay more than women
  • Deductible amount directly impacts your rate
  • Crash test rating for your Prius
  • Your occupation
  • Your coverage level
  • Home ownership saves money

An additional factor that helps determine Prius insurance rates is the year of the vehicle. Older models have a lower value than newer models so the payout to repair will push premiums down. On the flip side, more recent Toyota vehicles may have safety features like tire pressure monitors, active head restraints, and pedestrian detection which can lower rates.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Liability car insurance - Liability insurance will cover damage or injury you incur to other's property or people in an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy higher limits if possible.

Collision coverage - Collision insurance will pay to fix damage to your Toyota resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also raise the deductible to get cheaper Prius insurance rates.

Comprehensive car insurance - Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout your car insurance company will pay is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists are uninsured or don't have enough coverage. Since many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for medical expenses - Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. PIP is only offered in select states and gives slightly broader coverage than med pay.

How Much are Toyota Prius Insurance Rates?