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Toyota Prius Plug-in Insurance Rates

You have lots of choices when shopping for insurance coverage for your Toyota vehicle. You can either buy through an insurance agent or price shop online to compare insurance costs of a lot of car insurance companies. Comparing car insurance through online companies is simple to do and at the same time you may find lower rates.

Using the web to shop for car insurance direct is challenging if you have never used online quotes. But don't be discouraged because we're going to show you how. The are a couple different ways to compare quotes from different insurance companies. The best method to find the cheapest Prius Plug-in insurance cost involves getting comparison quotes online. It is quite easy and can be accomplished by getting a quick quote here.

What influences your insurance rates?

Insurance premiums on a Toyota Prius Plug-in can vary widely subject to many criteria. Taken into consideration are:

  • More performance equals higher cost
  • Any accidents you may have
  • Home and auto can earn discounts
  • Pleasure use vs. commuting use
  • Your age
  • Being married may save money
  • Special coverage such as replacement cost
  • Your job
  • The level of coverage
  • Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a reduced actual cash value compared to new Toyota models so the cost to replace them can decrease annual premiums. Conversely, newer models have more advanced features such as tire pressure monitors, traction control, and adaptive cruise control which can help offset higher rates.

To get a better idea how much rates will be for your vehicle, select the year of your Prius Plug-in from available model years below.

Coverage for liability - Prius Plug-in liability coverage protects you from damages or injuries you inflict on people or other property. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so buy higher limits if possible.

Collision coverage - This coverage pays for damage to your Toyota resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your Prius Plug-in can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) - This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This provides protection from other drivers when they do not carry enough liability coverage. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Insurance for medical payments - Med pay and PIP coverage reimburse you for expenses like doctor visits, EMT expenses, and X-ray expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Personal injury protection coverage is not available in all states and may carry a deductible.

How Much are Toyota Prius Plug-in Insurance Rates?