Consumers have lots of choices when looking for low-cost Toyota Prius insurance. They can either waste time contacting agents getting price quotes or save time using the internet to find the lowest rates.
There are more efficient ways to find auto insurance online so you’re going to learn the quickest way to get price quotes for your Toyota and locate the best price possible from both online companies and local agents.
It’s important to compare rates yearly due to the fact that insurance rates change frequently. Even if you got the lowest rates two years ago other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the best methods to properly buy coverages while reducing your premium.
Prius Insurance Quotes Online
Finding lower auto insurance rates is actually quite simple. Just take time to get quotes online with multiple companies. This can be done in a couple of different ways.
- One of the best ways to get quotes for comparison is a comparison rater form like this one (opens in new window). This method prevents you from having to do boring form submissions for each company you want a rate for. Just one form gets rate comparisons from all major companies. Just one form and you’re done.
- Another way to compare rate quotes is going to the website for each individual company and request a quote. For instance, let’s say you want comparison quotes from State Farm, GEICO and Farmers. To get each rate you have to go to every website and enter your policy data, which is why the first method is more popular.
For a handy list of car insurance company links in your area, click here.
Whichever way you use, make absolute certain that you use identical information with every price quote. If you compare different liability limits you can’t possibly determine the lowest rate for your Toyota Prius.
Companies offer discounts so take them!
Car insurance is not cheap, but there could be available discounts that you may not even be aware of. A few discounts will automatically apply at the time you complete a quote, but a few need to be specially asked for before being credited. If you’re not getting every credit you deserve, you are paying more than you should be.
- Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
- No Accidents – Drivers who don’t have accidents can save substantially compared to accident-prone drivers.
- Defensive Driving Course – Successfully completing a course in driver safety could cut 5% off your bill if your company offers it.
- Resident Student – Children who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
- Good Student Discount – This discount can earn a discount of 20% or more. This discount can apply up to age 25.
- Drivers Education – Cut your cost by having your teen driver take driver’s ed class in high school.
- Save over 55 – If you’re over the age of 55, you can possibly qualify for better auto insurance rates.
- Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates than drivers with accidents.
- Government Employees – Employees or retirees of the government could cut as much as 10% off with certain companies.
Keep in mind that most of the big mark downs will not be given to the entire policy premium. Most cut individual premiums such as comprehensive or collision. So when it seems like you would end up receiving a 100% discount, you’re out of luck. Any qualifying discounts will bring down the amount you have to pay.
Do drivers who switch really save $392 a year?
Consumers can’t ignore all the ads for car insurance savings by State Farm and Allstate. All the ads say the same thing of big savings if you move to their company.
How does each company make almost identical claims? Here’s how.
Insurance companies have a preferred profile for the driver that makes them money. For example, a preferred risk could possibly be a mature driver, owns a home, and has a high credit rating. Any driver who fits that profile gets the lowest rates and is almost guaranteed to save when they switch companies.
Potential customers who don’t qualify for these standards will be charged a more expensive rate which usually ends up with the driver buying from a lower-cost company. The ad wording is “customers that switch” but not “drivers who get quotes” save that much. This is how insurance companies can confidently claim big savings.
That is why you absolutely need to compare as many rates as you can. It is impossible to predict which insurance companies will give you the biggest savings.
Do I just need basic coverages?
When buying proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.
For example, these questions can help discover if your insurance needs might need professional guidance.
- Is my dog or cat covered if injured in an accident?
- Can I afford to pay high deductible claims out of pocket?
- Do I have coverage when using my vehicle for my home business?
- Can I afford low physical damage deductibles?
- Do I pay less if my vehicle is kept in my garage?
- Who is covered by my policy?
- Am I covered when delivering products for my home-based business?
- Are rental cars covered under my policy?
- Does my personal auto insurance policy cover using my vehicle for business use?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can help protect your family.
Smart shoppers get results
We just showed you a lot of techniques to get a better price on Toyota Prius insurance. The key concept to understand is the more you quote, the higher your chance of finding lower rates. Drivers may discover the best prices are with some of the smallest insurance companies.
Affordable Toyota Prius insurance can be found online and also from your neighborhood agents, so compare prices from both in order to have the best prices to choose from. Independent insurance agents are able to place your coverage with regional insurance providers who may not provide online price quotes.
When buying insurance coverage, make sure you don’t sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice comprehensive coverage or liability limits only to find out they didn’t purchase enough coverage. The ultimate goal is to buy enough coverage at a price you can afford, not the least amount of coverage.
