2012 Toyota Prius c Insurance Cost

Trying to find lower insurance coverage rates for your Toyota Prius c? Are you regretting buying an overpriced insurance coverage policy? You’re preaching to the choir because you’re not the only one.

There is such a variety of insurance companies to choose from, and although it’s a good thing to have multiple companies, so many choices can make it hard to get the best deal.

It’s a good habit to get comparison quotes at least once a year since prices are adjusted regularly by insurance companies. Just because you had the lowest price for Prius c coverage a few years ago other companies may now be cheaper. There is a lot of wrong information about insurance coverage on the internet, but you can learn some of the best techniques to quit paying high insurance coverage rates.

Lower your insurance rates

Many different elements are taken into consideration when you quote your car insurance policy. Most are fairly basic like a motor vehicle report, although others are more obscure like your continuous coverage or your vehicle rating.

  • Responsible credit saves on insurance coverage – An insured’s credit rating will be a significant factor in your rate calculation. If your credit history is not that good, you could save money insuring your 2012 Toyota Prius c if you clean up your credit. Consumers who have very good credit scores tend to file fewer claims and have better driving records than drivers with lower ratings.
  • Prevent your car from being stolen – Choosing a vehicle with a theft deterrent system can help lower your premiums. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your car from being stolen.
  • Never allow your policy to lapse – Not having insurance is not a good idea and insurance coverage companies will penalize you for letting your insurance expire. In addition to paying higher premiums, getting caught without coverage might get you a revoked license or a big fine.
  • Accidents cost more than a fine – Your driving record influences premium rates substantially. Having just one citation may increase your cost twenty percent or more. Drivers who don’t get tickets pay lower auto insurance prices than their less careful counterparts. Drivers who get careless violations like DUI, reckless driving or excessive speeding may find that they have to to prove financial responsibility with their state’s department of motor vehicles in order to prevent a license revocation.
  • Rural areas have lower costs – Having an address in less populated areas has definite advantages when it comes to insurance coverage. City drivers tend to have congested traffic and higher rates of accident claims. Less people corresponds to lower accident rates and a lower car theft rate.

Lower your auto insurance rates with discounts

Insuring your fleet can be pricey, but there may be some discounts that could help you make your next renewal payment. Certain reductions will be credited at the time you complete a quote, but a few must be specifically requested before they will apply.

  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems may qualify for discounts as much as 30%.
  • Military Rewards – Being on active deployment in the military can result in better prices.
  • Low Mileage – Maintaining low annual mileage could earn lower auto insurancerates on the low mileage vehicles.
  • Driver Education Discount – Cut your cost by having your teen driver participate in a local driver’s education class in high school.
  • Driver Training Discounts – Passing a course that instructs on driving safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Multi-policy Discount – When you have multiple policies with one insurance company they may give you a discount of over 10 percent off each policy depending on the company.
  • Use Seat Belts – Drivers who require all occupants to buckle up can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Pay Early and Save – If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Senior Citizen Rates – If you’re over the age of 55, you are able to get a small decrease in premiums for Prius c coverage.

It’s important to note that some of the credits will not apply to your bottom line cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, it just doesn’t work that way. But any discount will cut your policy cost.

A list of auto insurance companies and some of the discounts include:

  • Progressive may have discounts that include multi-vehicle, multi-policy, continuous coverage, homeowner, good student, online signing, and online quote discount.
  • SAFECO has savings for anti-theft, teen safe driver, multi-car, anti-lock brakes, safe driver, accident prevention training, and drive less.
  • American Family includes discounts for mySafetyValet, TimeAway discount, Steer into Savings, multi-vehicle, accident-free, and air bags.
  • MetLife offers premium reductions for accident-free, defensive driver, multi-policy, good driver, and good student.
  • GEICO discounts include multi-vehicle, military active duty, defensive driver, seat belt use, and five-year accident-free.
  • The Hartford has discounts for anti-theft, driver training, defensive driver, bundle, good student, and air bag.

If you want cheap insurance quotes, ask every company which credits you are entitled to. Some discounts listed above may not be offered in your area. To locate insurance companies that provide some of the discounts listed above, click here to view.

You are unique and your auto insurance should be too

When it comes to buying the right insurance coverage for your vehicles, there really is no cookie cutter policy. Each situation is unique so your insurance should reflect that These are some specific questions can help discover if your insurance needs may require specific advice.

  • Do I need added coverage for expensive stereo equipment?
  • Will my insurance pay for OEM parts?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • How much liability do I need to cover my assets?
  • Should I have a commercial auto policy?
  • How do I buy GAP insurance?
  • Am I missing any policy discounts?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area.

Car insurance coverage information

Knowing the specifics of insurance helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the normal coverages available from insurance companies.

Collision coverages – Collision coverage covers damage to your Prius c resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as scraping a guard rail, sideswiping another vehicle and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive insurance – This covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, falling objects, damage from getting keyed and theft. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage pay for expenses like nursing services, ambulance fees and EMT expenses. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance – Liability coverage can cover damage that occurs to a person or their property by causing an accident. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things like medical expenses, court costs, bail bonds and funeral expenses. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2012 Toyota Prius c.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits are set the same as your liablity limits.

Shop. Compare. Save.

Low-cost 2012 Toyota Prius c insurance can be purchased on the web and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance coverage companies don’t offer price quotes online and many times these smaller providers only sell through independent insurance agents.

As you quote insurance, it’s not a good idea to reduce needed coverages to save money. There are too many instances where consumers will sacrifice liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. Your aim should be to purchase a proper amount of coverage for the lowest cost but still have enough coverage for asset protection.

Even more information can be read by following these links:

Comments About 2012 Toyota Prius c Insurance

  1. Dorothy Berry

    Any Allstate or Farmers customers near Bridgeport, Connecticut?

  2. Gertrude Wynn

    Located in Burlington, VT. Quoted with American Family, Mercury, and USAA for my Prius c and I’m now saving $36 a month. BTW speeding tickets are not good.

  3. Adelaida Carr

    Here’s my info. Proud to be from Charleston, South Carolina. Got rates from Mercury, Farmers, 21st Century, and American Family for my Prius c and saved just over $290 a year. I’m a pretty low risk driver.

  4. King Peters

    In Boise, ID, Auto-Owners had the best rates for my 2012 Toyota Prius c. Left Travelers to switch. It’s still not cheap enough.

  5. Evelia Snider

    If you have a clean record and live in the vicinity of Columbus, GA, check out Progressive. They seem to be cheaper.

  6. Jerrica Britt

    Enjoyed the article. I live just to the west of Norman, OK. I quoted with Amica, Safeco, and a few others for my Prius c and I think I cut my rates about $60 each month. Left Safeco to switch.

  7. Monserrate Pearson

    I got quite a few price quotes for a 2012 Toyota Prius c in Kansas City, Missouri. Ended up at right around $280 every six months with AAA. Are quotes cheaper online?

  8. Su Wong

    Liked the article. I’m in the south part of Green Bay, WI. I quoted with The General, Auto-Owners, Sentry, and a couple others for my Toyota and saved $102 a year.

  9. Noel Russell

    Does Idaho require liability coverage?

  10. Missy Pollard

    I’m looking for cheaper coverage. From south side of Wilmington, DE. Received prices from State Farm, Esurance, and Hanover for my Toyota and saved about $310 a year. Left AAA to switch. I recommend comparing lots of rates.