2015 Toyota Prius Car Insurance Rates – 9 Tips for Best Quotes

Finding the cheapest insurance for a Toyota Prius could be an all-consuming task, but you can follow our insurance buying tips to make it easier.

There is a right way and a wrong way to find insurance online and we’ll show you the absolute fastest way to price shop coverage for your Toyota and obtain the lowest price.

It’s important to price shop coverage before your next renewal because insurance prices change quite often. Just because you had the best price on Prius insurance six months ago there may be better deals available now. Forget all the misinformation about insurance because you’re about to find out one of the quickest ways to get good coverage at a lower rate.

Pricing the lowest cost protection is simple if you know the tricks. If you have insurance now or need new coverage, you will benefit by learning to get lower rates while maximizing coverage. Vehicle owners only need to know the best way to find the lowest price on the web.

How to get free insurance coverage quotes online

Reducing your 2015 Toyota Prius insurance rates is pretty simple and can save money. The only thing you need to do is spend a few minutes comparing rate quotes online from several insurance companies. It is quite easy and can be accomplished using one of these methods.

1. Without a doubt, the easiest way to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This form prevents you from having to do separate quotation requests for each price estimate. A single, simple form will get you price quotes direct from many companies. This is by far the quickest method.
2. A slightly less efficient method to find better pricing is to manually visit the website for each individual company and request a quote. For sake of this example, let’s assume you want to get rates from Auto-Owners, Safeco and Allstate. To get each rate you have to spend time on each company’s site and repeatedly enter your information, and that explains why we recommend the first method. For a list of links to companies insuring cars in your area, click here.
3. The least efficient way to comparison shop rate quotes is driving around to and from local insurance agencies. The internet makes this unnecessary unless you have a need for the professional assistance of an agent trained in personal lines coverage. However, consumers can find lower rates online but purchase the actual policy in an agency.

Compare rates however you want, just make sure you are using equivalent coverage data with every price quote. If you enter different coverage information then you won’t be able to make a fair rate comparison.

Affordable insurance rates with discounts

Some insurers don’t always list the complete list of policy discounts very clearly, so we break down some of the best known as well as the least known discounts you could be receiving when you buy car insurance online.

• Homeowners Savings – Owning a house may trigger a policy discount on insurance because of the fact that having a home demonstrates responsibility.
• Braking Control Discount – Cars and trucks with ABS braking systems or traction control are much safer to drive so you can save 10 percent or more.
• Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can receive discounts as much as 30%.
• Discount for New Cars – Buying a new car model can save up to 30% compared to insuring an older model.
• Low Mileage – Low mileage vehicles can qualify you for lower prices on the low mileage vehicles.
• Pay Now and Pay Less – By paying your entire bill at once rather than paying monthly you could save up to 5%.
• Lower Rates for Military – Having a deployed family member may lower your prices slightly.
• Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up before driving could cut 10% or more off PIP or medical payments premium.
• Senior Discount – Drivers that qualify as senior citizens may qualify for lower premium rates on Prius insurance.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. Most only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears it’s possible to get free car insurance, it doesn’t quite work that way. But all discounts will definitely reduce your policy premium.

Popular insurance companies and a partial list of their discounts are included below.

• Travelers has discounts for good student, IntelliDrive, early quote, home ownership, driver training, and continuous insurance.
• 21st Century may offer discounts for good student, driver training, air bags, teen driver, early bird, and student driver.
• State Farm may include discounts for accident-free, good student, anti-theft, passive restraint, multiple autos, and defensive driving training.
• Geico discounts include multi-policy, multi-vehicle, anti-theft, defensive driver, five-year accident-free, driver training, and anti-lock brakes.
• SAFECO policyholders can earn discounts including teen safety rewards, drive less, multi-car, anti-lock brakes, and anti-theft.
• AAA offers discounts including good student, multi-policy, good driver, education and occupation, and anti-theft.

Check with every insurance company how many discounts you can get. Some of the earlier mentioned discounts might not be available to policyholders in your state. If you would like to view providers who offer insurance discounts, click here to view.

Tailor your insurance coverage coverage to you

When choosing adequate coverage for your vehicles, there isn’t really a perfect coverage plan. Each situation is unique.

These are some specific questions can help discover whether or not you will benefit from professional help.

• Why do I only qualify for high-risk insurance?
• Is my teen driver covered when they drive my company car?
• What can I do if my company won’t pay a claim?
• Should I buy only the required minimum liability coverage?
• When does my teenage driver need to be added to my policy?
• Do I need higher collision deductibles?
• Should I bundle my homeowners policy with my auto?
• Do I need to file an SR-22 for a DUI in my state?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverages for a 2015 Toyota Prius

Knowing the specifics of your car insurance policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Liability coverage

This coverage provides protection from damage that occurs to a person or their property that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as attorney fees, pain and suffering, structural damage, loss of income and emergency aid. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Toyota Prius.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these coverages are identical to your policy’s liability coverage.

Comprehensive coverage

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as vandalism, damage from getting keyed, falling objects and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for expenses for things like pain medications, chiropractic care, prosthetic devices, rehabilitation expenses and hospital visits. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision insurance pays to fix your vehicle from damage 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 sideswiping another vehicle, backing into a parked car, scraping a guard rail, crashing into a building and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.