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Toyota Prius Prime Insurance Cost

There are many options when shopping for car insurance for your Toyota vehicle. You can either buy through an insurance agent or go online to check prices from insurance providers. Buying car insurance by comparing rates online can be fast and easy and there is a good chance you may find lower rates.

If you're new to shopping for car insurance online, you can be overwhelmed by the hoards of car insurance companies selling insurance. The are a couple different ways to get quotes from car insurance companies in your area. By far the easiest way to find competitive Prius Prime insurance rates is to get quotes online. This can be accomplished by completing this short form.

Insurance premiums for a Toyota Prius Prime can fluctuate considerably depending on several factors. Some of these factors include:

  • Higher performance Prius Prime vehicles cost more
  • Accidents raise premiums
  • Multiple policies can save money
  • Use of your vehicle
  • Extra coverages like towing and rental
  • Your job
  • The amount of protection requested
  • Whether you own your home

One important consideration that helps determine your rates is the age of the vehicle. Older models cost less compared to new Toyota models so repair costs tend to be lower which may result in lower rates. But more recent Toyota vehicles have more advanced features including a backup camera, automatic crash notification, pedestrian detection, and blind-spot warning system which may give discounted rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Prius Prime below.

Auto liability insurance

This coverage will cover damage that occurs to other people or property in an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so buy as high a limit as you can afford.

Collision insurance

Collision insurance will pay to fix damage to your Toyota caused by collision with another car or object. A deductible applies then your collision coverage will kick in. Prius Prime collision insurance is rather expensive coverage, so you might think about dropping it from lower value vehicles. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay. The most you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Toyota Prius Prime Insurance Rates?

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