Compare 2015 Toyota Prius c Insurance Quotes

Looking for the cheapest insurance coverage rates? Shoppers have a choice when shopping for affordable Toyota Prius c insurance. You can either spend your time calling around to compare prices or use the internet to get rate quotes. There is a better way to shop for insurance coverage and we’ll show you the proper way to price shop coverage for a Toyota and find the lowest possible price from local insurance agents and online providers.

If you have a current auto insurance policy or need a new policy, you can use these techniques to get lower rates and possibly find even better coverage. The purpose of this article is to tell you the best way to quote coverages and some tips to save money. Drivers just need to understand the best way to compare price quotes on the web.

Do you qualify for discount insurance?

Some providers don’t always publicize every discount in an easy-to-find place, so below is a list both well-publicized and also the lesser-known discounts that may be available.

  • Distant College Student Discount – College-age children who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Good Students Pay Less – Performing well in school can be rewarded with saving of up to 25%. The discount lasts up to age 25.
  • Include Life Insurance and Save – Select insurance companies reward you with a break if you buy life insurance from them.
  • Government Employees – Having worked for a branch of the government could provide a small rate reduction for Prius c coverage depending on your insurance provider.
  • Membership in Organizations – Joining qualifying employment or professional organizations could qualify you for a break on your next insurance statement.
  • No Claims – Drivers who stay claim-free can earn big discounts as compared to drivers who are more careless.
  • Online Discount – Certain companies give back up to $50 for completing your application on the web.
  • Senior Citizen Discount – Drivers over the age of 55 may qualify for a small discount on rates for Prius c coverage.
  • Anti-lock Brakes – Cars, trucks, and SUVs with ABS and/or traction control are safer to drive so you can save 10 percent or more.
  • Homeowners Savings – Being a homeowner can help you save on insurance because of the fact that having a home shows financial diligence.

A little disclaimer on discounts, many deductions do not apply to your bottom line cost. Most only apply to specific coverage prices like liability and collision coverage. Despite the appearance that all the discounts add up to a free policy, insurance companies aren’t that generous.

Popular insurance companies and the discounts they provide can be found below.

  • State Farm may include discounts for defensive driving training, student away at school, Steer Clear safe driver discount, passive restraint, good student, and multiple autos.
  • GEICO has savings for military active duty, defensive driver, emergency military deployment, federal employee, good student, multi-policy, and membership and employees.
  • Progressive discounts include homeowner, multi-vehicle, online quote discount, good student, and continuous coverage.
  • 21st Century offers premium reductions for automatic seat belts, 55 and older, anti-lock brakes, teen driver, good student, and air bags.
  • American Family may offer discounts for TimeAway discount, early bird, air bags, defensive driver, and Steer into Savings.
  • The Hartford offers discounts for good student, driver training, defensive driver, bundle, and vehicle fuel type.
  • AAA offers discounts including good student, good driver, multi-policy, multi-car, AAA membership discount, pay-in-full, and education and occupation.

Before purchasing a policy, check with all the companies to apply every possible discount. Some of the earlier mentioned discounts may not apply in your state. To locate insurers that provide some of the discounts listed above, click this link.

Good decisions result in lower insurance costs

The best way to find cheaper car insurance is to take a look at some of the things that aid in calculating your car insurance rates. If you have a feel for what determines base rates, this allows you to make educated decisions that will entitle you to big savings.

The list below includes most of the major factors car insurance companies consider when setting your rate level.

  • Driving citations are costly – Careful drivers receive lower rates compared to drivers with tickets. Getting just one driving citation could increase your next policy renewal substantially. People who have severe violations such as DUI or willful reckless driving may face state-mandated requirements to submit a SR-22 form with their state’s department of motor vehicles in order to prevent their license from being revoked.
  • Your employer is a factor – Did you know your career choice can influence rates? Occupations such as judgesairline pilots and medical professionals have higher rates than the rest of us in part from stressful work requirements and long work hours. On the other hand, careers such as professors, engineers and retirees generally pay rates lower than average for Prius c coverage.
  • Safety ratings are a factor – Safe vehicles tend to have lower insurance rates. Safe vehicles reduce injuries and fewer injuries means less claims paid which can result in lower premiums. If your Toyota Prius c has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Consolidating policies can get discounts – The majority of insurance companies afford a discount to customers that buy multiple policies in the form of a multi-policy discount. Even with this discount applied, consumers should still compare rates to help ensure you have the lowest rates.
  • Your address can modify rates – Residing in small towns and rural areas can save you money when buying car insurance. Less people means less chance of accidents in addition to fewer liability claims. Drivers who live in large cities have much more traffic and more severe claims. Spending more time driving can result in more accidents.
  • Credit rating impacts prices – Your credit score is a big factor in calculating your premium rate. So if your credit score is lower than you’d like, you could pay less to insure your 2015 Toyota Prius c if you clean up your credit. Insureds that have very high credit ratings tend to be better risks to insure as compared to drivers with bad credit.
  • No insurance claims equals lower prices – Auto insurance companies award most affordable rates to policyholders that do not abuse their auto insurance. If you’re an insured who likes to file claims you can definitely plan on higher premiums or even policy non-renewal. Your car insurance is intended for more catestrophic claims.

What insurance coverages do I need?

When choosing coverage, there really is no single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that can aid in determining whether you will benefit from professional help.

  • What is the rate difference between pleasure use and commuting?
  • How much underlying liability do I need for an umbrella policy?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Can I afford low physical damage deductibles?
  • Is my dog or cat covered if injured in an accident?
  • Is other people’s property covered if stolen from my vehicle?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form. It is quick, free and may give you better protection.

Specific coverages for a Toyota Prius c

Learning about specific coverages of your policy helps when choosing the best coverages for your vehicles. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for immediate expenses for things like ambulance fees, rehabilitation expenses, pain medications, dental work and nursing services. 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 both the driver and occupants as well as getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as damage to your 2015 Toyota Prius c.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from getting keyed, vandalism, rock chips in glass, hitting a deer and hail damage. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability insurance

Liability coverage can cover damage or injury you incur to people or other property. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against things like pain and suffering, medical expenses, loss of income, repair costs for stationary objects and structural damage. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage

This coverage will pay to fix damage to your Prius c resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a ditch, hitting a mailbox and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Get your money’s worth

People switch companies for a number of reasons such as lack of trust in their agent, policy cancellation, delays in responding to claim requests and even delays in paying claims. Whatever your reason, finding a new company is not as hard as you think.

Affordable 2015 Toyota Prius c insurance can be bought online in addition to local insurance agencies, so you need to quote insurance coverage with both in order to have the best chance of saving money. Some insurance coverage companies may not have the ability to get quotes online and many times these smaller companies prefer to sell through independent insurance agencies.

We just presented many tips how you can shop for 2015 Toyota Prius c insurance online. It’s most important to understand that the more times you quote, the better chance you’ll have of finding affordable insurance coverage. You may even discover the best car insurance rates are with the smaller companies.

Additional information can be read at the links below

Comments About 2015 Toyota Prius c Insurance

  1. Iraida Ayers

    Good site, thanks. Went with Hanover for my 2015 Toyota Prius c and cut my rates about $360 a year. God forbid I actually have a claim.

  2. Daysi Kramer

    I got quite a few price quotes for a 2015 Toyota Prius c in Bismarck, ND. Ended up at darn near $260 every six months with American Family. Was with Nationwide.

  3. Nana Vargas

    Is State Farm cheaper than Progressive in Chicago, Illinois?

  4. Ernestina Lawson

    I think I’m paying too much. Lifelong resident of Las Vegas, NV. Compared rates from a lot of places. Saved right around $50 a month. Allstate was the cheapest option for me. I have several vehicles insured with them. It never hurts to quote around.

  5. September Ramsey

    All companies are crooks. Found cheapest coverage with Amica for my Prius c and cut my rates about $410 a year. Insured with Eastwood before.

  6. Matthew Pruitt

    I compared a lot of rate quotes for a 2015 Toyota Prius c in Concord, New Hampshire. Ended up at darn near $320 every six months with AAA. Wish I didn’t have to insure at all.

  7. Sage Wilcox

    Great info, thanks for posting. I live in Aberdeen, SD. I got free quotes from State Farm, Liberty Mutual, and Erie for my Prius c and I think I saved around $40 each month.

  8. Tiara Delacruz

    In Jackson, MS, AIG Insurance had the best rates for my 2015 Toyota Prius c. Left Esurance to switch. Thankfully I have a good driving record. They have free quotes online.

  9. Darlena Barnett

    If you don’t have tickets and live in the vicinity of Reno, Nevada, check out Allstate. They seem to be cheaper. I have a teen driver too.

  10. Ardis Chapman

    When should I drop comp and collision?

  11. Velia Foley

    I found cheap 2015 Toyota Prius c insurance in Wilmington, DE with Allstate.

  12. Alvera Parker

    Lifelong resident of Houston, Texas. I don’t recall every quote but I ended up saving about $50 each month. I have a teen driver too.

  13. Leroy Guthrie

    If you’re a decent driver and live around Detroit, MI, check out Progressive. They seem to be cheaper. I increased coverages a little too. It was easy to get rates.