Cheaper 2012 Toyota Prius Insurance Rates

Are you overwhelmed by the wide range of insurance companies that you can choose from? Many other people are as well. There are so many options that it can be a difficult mission to compare premium rates.

If you currently have a car insurance policy, you will be able to lower your premiums substantially using this strategy. The purpose of this post is to introduce you to the best way to quote coverages. Although vehicle owners do need to understand the way companies compete online and take advantage of how the system works.

The cheapest insurance coverage quotes

To find low cost quotes, there are a couple of ways to compare rate quotes from companies that offer insurance coverage in your state. The simplest method to find the lowest Toyota Prius rates is simply to get online rate quotes. This can be accomplished in several different ways.

The easiest and least time consuming way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This method eliminates the need for separate quotes to each individual insurance coverage company. Just one form gets insurance cost estimates from several companies.It’s the quickest way to get rates.

A more time consuming way to analyze rates requires a visit to the website for every company you want to comare and request a quote. For examples sake, let’s assume you want to view quotes from Liberty Mutual, 21st Century and Allstate. You would be required to take the time to go to each site and type in your information over and over, which is why first method is reommended.

For a handy list of car insurance company links in your area, click here.

Whichever way you use, be certain you are entering apples-to-apples coverages and limits for every company. If your comparisons have different deductibles it’s impossible to make an equal comparison. Just slight variations in coverages can mean a large discrepancy in price. It’s important to know that comparing more rates from different companies increases the change that you will find a lower rate than you’re paying now. Some smaller insurers to not give rate quotes online, so you should also compare rates from the smaller companies as well.

Lower-cost car insurance rates with discounts

Not many people think insurance is cheap, but you can get discounts that could help you make your next renewal payment. Certain reductions will be credited when you quote, but some may not be applied and must be manually applied before you will receive the discount. If you aren’t receiving every discount you qualify for, it’s possible you qualify for a lower rate.

• Bundle and Save – If you have multiple policies and insure them with the same company they may give you a discount of up to 20% and get you inexpensive insurance coverage.
• Driver Safety – Taking time to complete a course in safe driver could cut 5% off your bill if you qualify.
• Waiver for an Accident – Not a discount per se, but a few companies such as Geico, Progressive, and Allstate permit an accident without raising rates if you are claim-free for a particular time prior to the accident.
• Senior Discount – Mature drivers may be able to get reduced rates on Prius coverage.
• Sign Online – Some insurance companies give back up to $50 for buying a policy and signing up on the internet.
• Discount for Passive Restraints – Vehicles equipped with air bags or motorized seat belts may qualify for discounts of 20% or more.
• ABS Braking Discount – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
• New Vehicle Savings – Insuring a new car is cheaper because new model year vehicles have to meet stringent safety requirements.
• Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a break if you buy auto and life insurance together.
• Low Mileage Discounts – Low mileage vehicles could be rewarded with cheaper premium rates.

It’s important to understand that most credits do not apply the the whole policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way.

Popular car insurance companies and some of the premium reductions they offer are:

• Esurance may include discounts for good driver, online shopper, emergency road assistance, Pac-12 alumni, and safety device.
• The Hartford offers discounts for bundle, good student, defensive driver, driver training, and vehicle fuel type.
• AAA has savings for multi-policy, AAA membership discount, pay-in-full, good driver, anti-theft, and good student.
• Geico has discounts for anti-theft, five-year accident-free, daytime running lights, air bags, and military active duty.
• State Farm offers discounts including driver’s education, student away at school, defensive driving training, multiple policy, passive restraint, anti-theft, and safe vehicle.

If you are trying to find the cheapest insurance coverage quotes, ask every prospective company how many discounts you can get. A few discounts may not apply to policyholders in your area. To choose companies with the best car insurance discounts, click here to view.

Tailor your car insurance coverage to you

When it comes to choosing the best car insurance coverage, there really is no “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions may help highlight if your situation may require specific advice.

• Are rock chip repairs covered?
• What are the best liability limits?
• Is my Toyota Prius covered if I use it for business?
• Am I covered if I crash into my own garage door?
• Will my vehicle be repaired with OEM or aftermarket parts?
• How does medical payments coverage work?
• Can my babysitter drive my car?
• Do I need more liability coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form.

What auto insurance coverages do you need?

Having a good grasp of your policy aids in choosing which coverages you need for your vehicles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Collision coverage protection

This pays for damage to your Prius resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like driving through your garage door, hitting a mailbox, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your Toyota Prius.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverage

This covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as falling objects, vandalism, hail damage, theft and a tree branch falling on your vehicle. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability auto insurance

This coverage provides protection from damage or injury you incur to people or other property by causing an accident. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as medical services, structural damage, court costs and emergency aid. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for bills like surgery, prosthetic devices and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible