Compare 2012 Toyota Prius Plug-in Insurance Cost

Searching for better insurance coverage rates? Consumers have a choice when looking for the best price on Toyota Prius Plug-in insurance. They can either waste time struggling with agents to compare prices or use the internet to make rate comparisons.

There is a better way to buy insurance coverage so you’re going to learn the best way to get price quotes for a new or used Toyota and find the best price possible from local insurance agents and online providers.

It’s important to compare rates before your policy renews since rates are constantly changing. If you had the best deal on Prius Plug-in insurance a year ago you can probably find a better price now. Block out anything you think you know about insurance coverage because you’re about to learn the tricks you need to know to find great coverage at a great price.

If you have insurance now or need a new policy, you can learn to cut your premiums while maximizing coverage. The purpose of this post is to tell you the most effective way to quote insurance and some tips to save money. Drivers just need to understand how to shop over the internet.

Buy Toyota Prius Plug-in insurance for less

Many things are used in the calculation when quoting car insurance. Some are pretty understandable like an MVR report, although others are less apparent like where you live or how financially stable you are.A large part of saving on auto insurance is knowing some of the elements that go into determining the rates you pay for auto insurance. If you understand what impacts premium levels, this empowers consumers to make smart changes that can earn you big savings.

The following are a partial list of the pieces that factor into rates.

  • Cars with good safety ratings mean better premiums – Cars with high safety ratings tend to have better insurance rates. The safest vehicles reduce the chance of injuries and any reduction in injury severity translates directly to fewer claims and cheaper rates on your policy.
  • Liability coverage limits should be high – Your auto insurance policy’s liability coverage is the coverage that protects you if ever you are found liable for causing personal injury or damage in an accident. It will provide you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable compared to other policy coverages, so do not skimp.
  • Rates increase with driving citations – Having a clean driving record can have a huge impact on auto insurance premiums. Even one citation may cause rates to rise by twenty percent. Attentive drivers tend to pay less for car insurance than bad drivers. Drivers who get flagrant violations such as reckless driving or DUI may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.
  • Physical damage deductibles are a factor – Physical damage insurance, also called comprehensive and collision insurance, helps pay for damage to your vehicle. Examples of covered claims could be a broken side mirror, vandalism, or theft. Comprehensive and collision coverage deductibles state the amount of money you are willing to pay out-of-pocket in the event of a claim. The larger the amount you choose to pay out-of-pocket, the less your auto insurance will be on Prius Plug-in insurance.
  • File a insurance claims and pay more – Auto insurance companies generally give discounts to drivers who do not file claims often. If you tend to file frequent claims, you can expect much higher rates or policy non-renewal. Your car insurance is meant to be used in the event of the large, substantial claims.
  • Rental and towing coverage may not be needed – Policies have additional extra coverages that can waste your money on your Prius Plug-in policy. Coverages like rental car reimbursement, accident forgiveness, and extra equipment coverage may be wasting your money. The coverages may be enticing when you first buy your policy, but if you don’t need them remove them from your policy.
  • Vehicle features impact auto insurance rates – Purchasing a vehicle with a theft deterrent system can help lower your premiums. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop vehicle theft.

Finding insurance coverage

Getting a cheaper price on 2012 Toyota Prius Plug-in insurance is an easy way to save money. You just need to take a couple of minutes comparing price quotes to see which company has the cheapest auto insurance quotes. It’s super easy and can be done using a couple different methods.

  1. The recommended way consumers can analyze rates would be an industry-wide quote request form click to view form in new window. This form prevents you from having to do repetitive form entry for each price estimate. Taking the time to complete one form compares rates from multiple low-cost companies. Recommended for those who want to invest the least amount of time.
  2. A different way to shop for insurance coverage online is spending the time to visit the website for each individual company to request a price quote. For examples sake, let’s assume you want to compare prices for Allstate, Liberty Mutual and Farmers. You would be required to go to each individual site to input your insurance information, which is why first method is reommended. For a list of links to insurance companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but make sure you are using identical quote data with each company. If each company quotes different values for each quote then you won’t be able to decipher which rate is best.

Get cheaper rates with discounts

Car insurance can cost a lot, but you might already qualify for some discounts that you may not know about. A few discounts will be applied when you get a quote, but some need to be inquired about before they will apply.

  • New Vehicle Savings – Insuring a new car can cost up to 25% less because newer vehicles have to meet stringent safety requirements.
  • Active Service Discounts – Being on active deployment in the military can result in better premium rates.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • More Vehicles More Savings – Buying coverage for all your vehicles on one policy can get a discount for every vehicle.
  • Professional Memberships – Affiliation with a qualifying organization is a simple method to lower premiums on your bill.
  • Drive Safe and Save – Insureds without accidents can save up to 40% or more on their auto insurance quote on Prius Plug-in insurance than drivers with accident claims.
  • Bundled Policy Discount – When you combine your homeowners and auto insurance and insure them with the same company you could earn a discount of nearly 15% which can help you find affordable auto insurance.
  • Accident Free – Insureds who avoid accidents and claims pay much less when compared to bad drivers.
  • Driving Data Discount – People who choose to allow their insurance company to spy on driving habits through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction if they show good driving skills.
  • Smart Student Discounts – Being a good student can earn a discount of 20% or more. Many companies even apply the discount to college students up until you turn 25.

Drivers should understand that most discount credits are not given to the overall cost of the policy. A few only apply to specific coverage prices like medical payments or collision. Just because you may think all those discounts means the company will pay you, you aren’t that lucky.

A partial list of companies that possibly offer many of the previously listed discounts possibly include:

Before buying, ask every insurance company to apply every possible discount. Depending on the company, some discounts may not be offered in your area. To view insurance companies with discount auto insurance rates, click here.

What is the best auto insurance coverage?

When choosing adequate coverage for your personal vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different.

For example, these questions can help discover whether your personal situation may require specific advice.

  • Does insurance cover tools stolen from my truck?
  • Am I covered when driving a rental car?
  • Do I have coverage when using my vehicle for my home business?
  • What is medical payments coverage?
  • Will filing a claim cost me more?
  • Which is better, split liability limits or combined limits?
  • Do I need roadside assistance coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • Can I make deliveries for my home business?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverage options for a Toyota Prius Plug-in

Having a good grasp of your policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for short-term medical expenses such as hospital visits, dental work, X-ray expenses, chiropractic care and nursing services. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Toyota Prius Plug-in.

Since a lot of 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 a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for collisions

This coverage pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sustaining damage from a pot hole, crashing into a ditch, sideswiping another vehicle and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Liability insurance

Liability insurance will cover injuries or damage you cause to other people or property that is your fault. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims like attorney fees, medical expenses and legal defense fees. How much coverage you buy is up to you, but consider buying as much as you can afford.

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from flooding, damage from a tornado or hurricane, falling objects, rock chips in glass and fire damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

A tidy conclusion

Drivers change insurance companies for many reasons like policy cancellation, delays in paying claims, extreme rates for teen drivers or high prices. It doesn’t matter what your reason, finding a new company can be less work than you think.

You just learned many tips how you can lower your 2012 Toyota Prius Plug-in insurance premium rates. The key thing to remember is the more you quote auto insurance, the more likely it is that you will get a better rate. Drivers may discover the lowest premium rates come from a small local company.

As you shop your coverage around, do not skimp on coverage in order to save money. In many cases, an accident victim reduced full coverage only to regret they didn’t purchase enough coverage. Your objective should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.

For more information, take a look at the articles below:

Comments About 2012 Toyota Prius Plug-in Insurance

  1. Judith George

    For me, Progressive was by far the cheapest in Knoxville, TN.

  2. Cherry Gillespie

    From Fayetteville, AR, and State Farm rates were best. They offer free online rate quotes.

  3. Cleotilde Alvarez

    I’m just west of Tulsa, OK. Don’t remember every company but I ended up saving about $60 each month. Left Erie to switch. I get lower rates because of my clean driving record. It’s easy to compare rates online now.

  4. Markita Mcclain

    It’s all a rip off. I’m from Kailua, HI. Don’t remember every company but I ended up saving about $50 each month. Insured with Amica before. I get multi-vehicle and multi-policy discounts.

  5. Glen Lucas

    Will Progressive raise rates for a windshield claim?

  6. Chau Burke

    I’m looking for cheaper coverage. Live in the southern part of Philadelphia, Pennsylvania. Not sure of all the companies but I ended up saving about $30 each month. Wish I didn’t have to insure at all.

  7. Mona Barker

    I’m in the suburbs of Spokane, WA. Received rates from Amica, Eastwood, and Nationwide for my 2012 Toyota Prius Plug-in and I’m now saving $26 a month. I used their website to get prices.

  8. Ashton Delgado

    Hope my car insurance gets cheaper. From east side of Rapid City, SD. Got free quotes online for a 2012 Toyota Prius Plug-in. Ended up at about $290 savings annually. Went with 21st Century. Have an at-fault accident tho. I used their website to get prices.

  9. Jordon Swanson

    If you don’t have tickets and live around Portland, ME, check out Allstate. They seem to be cheaper. Moved home policy as well.