Save on 2013 Toyota Prius Plug-in Insurance Quotes

Searching for cheaper insurance coverage rates for your Toyota Prius Plug-in? No one likes buying insurance coverage, especially knowing they could find better prices if they shop around. People have so many auto insurance companies to pick from, and though it is a good thing to be able to choose, more choices can make it harder to adequately compare rates.

Finding cheaper coverage can be fairly easy. If you have a policy now or need a new policy, you can learn to find the best rates while maximizing coverage. Consumers just need to understand the proper way to compare company rates online.

How to buy insurance online

Comparing insurance rates can be challenging if you aren’t aware of the easiest way. You can waste a lot of time talking to local insurance agents in your area, or you can utilize online quoting to get pricing more quickly.

All the larger companies enroll in a system where insurance shoppers only type in their quote data once, and every company returns a rated price based on that data. This saves time by eliminating quote forms for each company. To enter your information into the quoting system, click here to start a free quote.

The only downside to using this type of form is you cannot specify the insurers to receive prices from. So if you want to select specific providers to compare prices, we have a listing of the cheapest insurance companies in your area. Click here for list of insurance companies.

You can use whichever method you prefer to find lower rates, just ensure you are comparing exactly the same coverages and limits for each price quote. If you compare differing limits it’s not possible to get a fair rate comparison.

Discounts can really help lower premiums

Car insurance can cost a lot, but you may find discounts that can help lower your rates. Larger premium reductions will be automatically applied at the time of quoting, but a few must be specially asked for before being credited.

  • Sign Early and Save – Select insurance companies give a discount for buying a new policy before your current expiration date. You can save around 10% with this discount.
  • Air Bag Discount – Factory air bags and/or automatic seat belt systems may qualify for discounts of 25 to 30%.
  • Good Students Pay Less – Excelling in school can save 20 to 25%. The good student discount can last well after school through age 25.
  • New Car Discount – Putting insurance coverage on a new car can be considerably cheaper since new model year vehicles are generally safer.
  • Multi-line Discount – Larger car insurance companies have a small discount if you purchase life insurance.
  • Organization Discounts – Having an affiliation with qualifying employment or professional organizations is a simple method to lower premiums when getting a insurance quote.
  • Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you can avoid monthly service charges.
  • Bundle and Save – If you insure your home and vehicles with the same insurance company you may save nearly 15% which can help you find cheap insurance.
  • Defensive Driving Course – Participating in a defensive driving course is a good idea and can lower rates if you qualify.
  • Senior Citizen Rates – Drivers over the age of 55 may qualify for a small discount on rates on Prius Plug-in insurance.

As is typical with insurance, most discount credits are not given to your bottom line cost. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

A few popular companies and their offered discounts are detailed below.

  • The Hartford offers discounts including anti-theft, defensive driver, vehicle fuel type, driver training, bundle, air bag, and good student.
  • American Family offers discounts for defensive driver, mySafetyValet, accident-free, good driver, multi-vehicle, and early bird.
  • Progressive has discounts for online quote discount, online signing, continuous coverage, homeowner, multi-policy, multi-vehicle, and good student.
  • Travelers policyholders can earn discounts including IntelliDrive, student away at school, continuous insurance, hybrid/electric vehicle, and home ownership.
  • Farmers Insurance includes discounts for pay in full, electronic funds transfer, switch companies, business and professional, and alternative fuel.
  • USAA may include discounts for family discount, loyalty savings, safe driver, vehicle storage, military installation, multi-vehicle, and new vehicle.
  • Liberty Mutual may have discounts that include preferred payment discount, newly married, teen driver discount, multi-car, and newly retired.

When quoting, ask every insurance company which credits you are entitled to. Some credits might not be available to policyholders in your area. To find providers who offer online car insurance quotes, click here to view.

Seven factors that determine insurance prices

The best way to find cheaper insurance coverage is to take a look at some of the factors that go into determining your policy premiums. If you have a feel for what influences your rates, this enables informed choices that will entitle you to much lower annual insurance costs.

The list below includes most of the major factors used by your company to calculate your premiums.

  • Responsible drivers pay lower rates – Even one chargable violation can increase rates by twenty percent. Careful drivers have lower premiums than bad drivers. People who have serious tickets like hit and run, DWI or reckless driving convictions may find that they have to to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent a license revocation.
  • Long commutes cost more – The higher the mileage driven in a year’s time the higher the price you pay to insure it. The majority of insurers apply a rate partially by how you use the vehicle. Cars that are left in the garage can be on a lower rate level than vehicles that are driven to work every day. Make sure your declarations sheet shows how each vehicle is driven. An incorrectly rated Prius Plug-in may be costing you higher rates.
  • A lpolicy lapse is a bad thing – Driving without insurance coverage in place is a big no-no and companies may charge more for letting your insurance expire. And not only will insurance be more expensive, getting caught without coverage may earn you a fine, jail time, or a revoked license. You may then have to file a SR-22 with your state department of motor vehicles.
  • If you don’t need it don’t buy it – Insurance companies have many additional extra coverages that you can buy if you aren’t diligent. Things like coverage for rental cars, high-cost glass coverage, and extra life insurance coverage are some examples. They may seem good when buying your policy, but if you don’t need them consider taking them off your policy.
  • Liability insurance risk factors in – The liability section of your policy provides coverage when a court rules you are at fault for damages caused by your negligence. It provides legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable compared to other policy coverages, so do not skimp.
  • Gals tend to take less risk – The statistics show that females tend to be a little less risky than males. This data doesn’t prove that men are worse drivers. Women and men have accidents in similar numbers, but males get into accidents with more damage. Not only are claims higher, but men get more serious tickets such as reckless driving.
  • What are your deductibles? – Comp and collision deductibles represent how much money you are required to spend before your insurance coverage pays a claim. Protection for physical damage, also called comprehensive and collision insurance, is used to repair damage to your car. A few examples of covered claims are a windshield broken by a bird, damage from fire, and damage from wind. The more expense you choose to pay out-of-pocket, the less money you will pay for insurance coverage on Prius Plug-in insurance.

Will just any policy work for me?

When choosing coverage for your personal vehicles, there is no perfect coverage plan. Every situation is different so your insurance needs to address that. For example, these questions might point out whether or not you would benefit from professional advice.

  • Do I need replacement cost coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • Where can I get insurance after a DUI in my state?
  • What is high-risk coverage and where do I buy it?
  • Exactly who is provided coverage by my policy?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need an umbrella policy?
  • Am I covered if my car is in a flood?
  • What is an SR-22 filing?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverage options for a 2013 Toyota Prius Plug-in

Knowing the specifics of your car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. These are the usual coverages offered by car insurance companies.

Medical expense insurance – Med pay and PIP coverage kick in for immediate expenses like doctor visits, pain medications, nursing services, ambulance fees and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverages – Collision coverage covers damage to your Prius Plug-in from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as crashing into a ditch, hitting a mailbox and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Liability car insurance – Liability insurance provides protection from injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things such as repair bills for other people’s vehicles, attorney fees, medical expenses and structural damage. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Toyota Prius Plug-in.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive (Other than Collision) – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as theft, a broken windshield, falling objects and damage from a tornado or hurricane. The maximum amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Keep this in mind

You just learned many ideas to lower your 2013 Toyota Prius Plug-in insurance premium rates. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your prices. Consumers could even find that the biggest savings come from some of the smallest insurance companies. Some small companies can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.

Cost effective 2013 Toyota Prius Plug-in insurance can be sourced on the web as well as from insurance agents, so you need to quote insurance with both in order to have the best chance of saving money. Some car insurance companies do not offer online quoting and these regional carriers work with independent agents.

More tips and info about car insurance is located at these sites:

Comments About 2013 Toyota Prius Plug-in Insurance

  1. Theresa Robinson

    Anyone find cheap rates around Aurora, Colorado?

  2. Demetra Bonner

    From a town just southwest of Spokane, Washington. Received prices from GEICO, Amica, and some I forget for my Prius Plug-in and I think I am saving around $60 each month. Was with 21st Century.

  3. Kamala Browning

    I switched to State Farm. Quoted good rates in San Antonio, Texas. Left Sentry to switch. Even increased my liability limits.

  4. Art Greene

    Here’s my info. Quoted with Nationwide for my Prius Plug-in and am saving around $360 a year. I get a discount for insuring multiple vehicles.

  5. Stephanie Mcbride

    Will 21st Century be cheaper if I raise deductibles?

  6. Waneta Beasley

    I’ve bought from 21st Century forever. Cheapest rates in Reno, NV.

  7. Sharon Donovan

    If you have a good history and live around Mobile, AL, check out Progressive. You might save some money.

  8. Reginald Farmer

    I compared a lot of rate quotes for a 2013 Toyota Prius Plug-in in Rochester, NY. Ended up at about $370 every six months with Amica. I have kids on my policy, too. Still almost need a second mortgage.

  9. Kandis Hubbard

    If you have a good history and are close to Frederick, MD, check out State Farm. They seem to be cheaper. Insured with Esurance before. Might find lower rates online.

  10. Adriene Hernandez

    Lots of useful info here. Checking in from Salem, Oregon. Received quotes from AAA, Sentry, and Travelers for my Toyota and saved $488 a year. Insured with Erie before. Not sure if rates are cheaper online or not.

  11. Celestine Gordon

    It all costs too much. I’m in Fort Smith, Arkansas. Got prices from Auto-Owners, Safeco, and a few others for my Prius Plug-in and saved just over $90 a year. Was with AAA. I have a teen driver too.

  12. Gonzalo Stephenson

    If you’re a decent driver and are close to Columbus, GA, check out 21st Century. You might get cheaper rates.

  13. Daysi Vinson

    I can’t pay high rates. From a town just southwest of Spokane, WA. Received rates from Liberty Mutual, Auto-Owners, MetLife, and a couple others for my Toyota and saved just over $200 a year. Not sure about claim service.

  14. Marget Mckay

    If you have a good history and are close to Worcester, Massachusetts, check out State Farm. They seem to be cheaper.