Cheaper 2013 Toyota Prius c Insurance Cost

Are you a victim of an expensive insurance coverage policy? Trust us when we tell you many consumers feel financially strained by their insurance coverage policy.

Insurance companies such as State Farm, Progressive and GEICO continually bombard you with advertising and it can be hard to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these tips. Finding the best rates is quite easy. But consumers do need to understand the way insurance companies sell insurance online because it can help you find the best coverage.

How to get insurance coverage rate quotes

To find low cost rates, there are a couple of ways to compare rate quotes from local insurance coverage companies. The simplest method to find competitive Toyota Prius c insurance rates is to use the internet to compare rates. It’s really quite simple and can be done in a couple minutes as outlined below.

  1. Probably the best way consumers can make multiple comparisons would be an industry-wide quote request form (click to open form in new window). This quick form prevents you from having to do repetitive form submissions for each company you want a rate for. One form will return quotes from all major companies.
  2. A more difficult way to find lower rates is spending the time to visit the website of each company and repeat the quote process again and again. For sake of this example, let’s assume you want to view quotes from Allstate, Liberty Mutual and GEICO. To find out each rate you need to go to each individual site and enter your information, which can take a lot of time. For a list of links to insurance companies in your area, click here.
  3. Even if you have time, the least recommended method to shop rates is driving around to different agent offices. The ability to get quotes online reduces the need to sit down with an agent unless you require the advice and guidance of a licensed agent. However, consumers can obtain prices from the web but buy the policy through an agent.

Whichever way you use, be sure you’re using the exact same coverage limits on every price quote you get. If you are comparing differing limits you will not be able to get a fair rate comparison. Just a small difference in coverages may result in large price differences. Keep in mind that having more price comparisons will improve the odds of getting the best offered rates. Not every company does quotes online, so it’s important to compare price quotes from the smaller companies as well.

Save a ton by taking advantage of discounts

Companies offering auto insurance don’t necessarily list every possible discount in a way that’s easy to find, so the next list breaks down a few of the more well known as well as some of the hidden credits available to lower your premiums when you buy insurance online.

  • Multiple Vehicles – Purchasing coverage when you have more than one vehicle on the same car insurance policy qualifies for this discount.
  • Military Rewards – Being on active duty in the military could trigger a small discount.
  • Savings for New Vehicles – Buying a new car model can save you some money because newer models are generally safer.
  • Drivers Education – It’s a good idea to have your young drivers enroll and complete driver’s education in high school.
  • Discount for Multiple Policies – When you have multiple policies with one company you may save at least 10% off all policies.
  • Mature Driver Discount – Older drivers can get lower premium rates on Prius c coverage.
  • Air Bags and Passive Restraints – Cars that have air bags or automatic seat belts can qualify for discounts as much as 30%.
  • Anti-lock Brakes – Cars, trucks, and SUVs with ABS and/or traction control prevent accidents and the ABS can save up to 10%.
  • Online Discount – Many insurance companies will give a small break for completing your application digitally online.
  • Federal Government Employee – Federal government employees could cut as much as 10% off on Prius c coverage depending on your company.

You should keep in mind that many deductions do not apply to all coverage premiums. Some only apply to individual premiums such as comp or med pay. Just because it seems like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

A list of car insurance companies and their possible discounts are included below.

  • Farm Bureau offers premium reductions for 55 and retired, multi-vehicle, multi-policy, youthful driver, renewal discount, safe driver, and driver training.
  • MetLife offers discounts including multi-policy, good driver, good student, accident-free, and claim-free.
  • Progressive includes discounts for multi-policy, good student, homeowner, multi-vehicle, online signing, and continuous coverage.
  • AAA may have discounts that include education and occupation, multi-policy, good student, pay-in-full, good driver, and AAA membership discount.
  • American Family discounts include multi-vehicle, Steer into Savings, good student, early bird, good driver, defensive driver, and mySafetyValet.
  • GEICO offers discounts for emergency military deployment, defensive driver, anti-theft, driver training, and military active duty.
  • State Farm policyholders can earn discounts including accident-free, anti-theft, multiple autos, defensive driving training, good driver, good student, and Steer Clear safe driver discount.

Check with every insurance company how many discounts you can get. A few discounts might not be available to policyholders everywhere. To locate insurers who offer free car insurance quotes, click here to view.

How much insurance do I need?

When buying coverage, there is no “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that may help you determine if your situation could use an agent’s help.

  • What is roadside assistance coverage?
  • What is covered by UM/UIM coverage?
  • Is rental equipment covered for theft or damage?
  • How high should my uninsured/underinsured coverage be in my state?
  • Does insurance cover tools stolen from my truck?
  • Can I get a multi-policy discount?
  • Do I have coverage if my license is suspended?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Insurance policy coverages for a 2013 Toyota Prius c

Learning about specific coverages of your insurance policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. These are the usual coverages found on the average insurance policy.

Auto liability – This coverage protects you from injuries or damage you cause to other people or property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use a combined limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers things like pain and suffering, court costs and legal defense fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive insurance – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from a tornado or hurricane, hitting a bird, vandalism and a broken windshield. The maximum amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your Toyota Prius c.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for expenses for surgery, chiropractic care, ambulance fees, hospital visits and nursing services. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like colliding with another moving vehicle, rolling your car, driving through your garage door and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comments About 2013 Toyota Prius c Insurance

  1. Stevie Robinson

    Where is cheaper car insurance? From northwest of Dallas, Texas. Got rates from American Family, MetLife, and some smaller one I can’t remember the name of for my Prius c and saved just over $390 a year. Insured with Esurance before. I have a teen driver too.

  2. Elvis Day

    From west side of Jacksonville, FL. I quoted with 21st Century, Liberty Mutual, and Erie for my 2013 Toyota Prius c and saved $193 a year. I think they have home insurance too. Still almost need a second mortgage.

  3. Salvatore Henry

    Corporate greed I’m telling you. Got a quote with 21st Century for my Prius c and am saving around $410 a year. I’m a pretty low risk driver. You can get a rate quote online.

  4. Gertrude Rios

    I’m in the suburbs of Seattle, Washington. Quoted quotes with Nationwide, Eastwood, Progressive, and Auto-Owners for my Toyota and am saving around $440 a year.

  5. Blake Nguyen

    I live just to the east of Jersey City, New Jersey. I got free quotes from Travelers, AIG Insurance, Hartford, and Safeco for my 2013 Toyota Prius c and saved just over $140 a year. Got better coverage too.

  6. Callie Greene

    I’ve bought from Progressive forever. Cheapest rates in Bridgeport, CT.

  7. Cathy Klein

    Nice post. From east side of West Valley City, UT. I got free quotes from Travelers, American Family, GMAC, and Sentry for my Toyota and I’m now saving $61 a month. Teenage drivers are expensive!

  8. Minta Mayer

    If you have a good history and live near Lewiston, ME, check out Allstate. They seem to be cheaper. I have a teen driver too. It was easy to get rates.

  9. Anthony Stevenson

    Proud to be from Norfolk, VA. Compared quite a few companies. Saved darn near $50 a month. GEICO was the cheapest option for me. Left Hanover to switch. It’s easy to compare rates online now.

  10. Jamie Vincent

    Lots of useful info here. I live on the south side of Detroit, MI. Checked online prices for a 2013 Toyota Prius c. Ended up at about $360 savings annually. Went with Allstate. Insured with Esurance before.

  11. Dewey Hall

    I got decent rates for a 2013 Toyota Prius c in Buffalo, NY. Ended up at darn near $370 every six months with Auto-Owners. Even increased my liability limits.

  12. Alana Madden

    Any State Farm or Erie customers near Jersey City, New Jersey?