Cheaper 2016 Toyota Prius c Insurance Rates

Want cheaper insurance rates for your Toyota Prius c? Car insurance shoppers not familiar with comparing prices online may find buying cheaper insurance can be quite difficult.

If you currently have car insurance, you should be able to cut costs considerably using this information. The purpose of this post is to teach you how to effectively get price quotes and some tricks to saving. But vehicle owners must understand how big insurance companies sell insurance online and take advantage of how the system works.

Earn discounts to get lower-cost insurance quotes

Companies offering auto insurance don’t always publicize their entire list of discounts very clearly, so we researched both the well known in addition to some of the lesser obvious ways to save on insurance.

  • Fewer Miles Equal More Savings – Driving less could qualify for slightly better prices than normal.
  • Savings for New Vehicles – Buying a new car model may earn a small discount because new vehicles have to meet stringent safety requirements.
  • Driver’s Ed – Require your teen driver to take driver’s ed class if it’s offered in school.
  • Telematics Discount – People who choose to allow data collection to spy on vehicle usage by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks as long as they are good drivers.
  • ABS Braking Discount – Vehicles that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and can earn a small discount on your policy.
  • E-sign – A few larger companies will give a small break simply for signing on your computer.
  • Early Signing – Some insurance companies provide a discount for buying a new policy before your current policy expires. It could save around 10% when you buy insurance online.

One thing to note about discounts is that most of the big mark downs will not be given to the entire policy premium. Most only reduce individual premiums such as medical payments or collision. So even though they make it sound like you can get free auto insurance, company stockholders wouldn’t be very happy.

Companies and their offered discounts are:

  • 21st Century offers premium reductions for defensive driver, early bird, anti-lock brakes, good student, and homeowners.
  • Progressive offers discounts including multi-policy, good student, homeowner, continuous coverage, online signing, and multi-vehicle.
  • State Farm may have discounts that include good student, multiple autos, good driver, passive restraint, and anti-theft.
  • Nationwide may offer discounts for family plan, anti-theft, accident-free, defensive driving, and easy pay.
  • Esurance may include discounts for Switch & Save, safety device, emergency road assistance, defensive driver, online shopper, and DriveSense.
  • The Hartford discounts include bundle, good student, vehicle fuel type, defensive driver, driver training, and air bag.

Before purchasing a policy, check with each insurance company what discounts are available to you. Some discounts listed above might not be available to policyholders in your state. To find insurance companies with the best discounts, click here.

First Step: Get free insurance coverage quotes

There are several ways you can shop for insurance coverage and some are less labor-intensive and much quicker. You can spend your afternoon talking to insurance companies in your area, or you could use the web to achieve your goal.

The majority of car insurance companies participate in a marketplace where prospective buyers enter their coverage request one time, and at least one company can give them a price based on the submitted data. This system prevents you from having to do quote forms to every company. To find out what other companies charge click here (opens in new window).

The one disadvantage to doing it this way is buyers cannot specifically choose which insurance companies to get quotes from. If you prefer to choose individual companies to compare prices, we have a page of companies who write insurance coverage in your area. Click to view list.

Whichever way you choose to compare rates, make sure you compare apples-to-apples quote information for each quote you get. If each company quotes different deductibles it will be nearly impossible to determine the best price for your Toyota Prius c. Just slight variations in insurance coverages or limits may result in large price differences. It’s important to know that comparing a wide range of rates will improve the odds of getting the best rates. Not every company provides online quotes, so it’s important to also get price quotes on coverage from those companies, too.

Tailor your insurance coverage coverage to you

When it comes to buying the right insurance coverage, there is no “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that could help you determine whether or not you might need professional guidance.

  • How does medical payments coverage work?
  • Should I get collision insurance on every vehicle?
  • When would I need additional glass coverage?
  • Does car insurance cover theft of personal property?
  • How much underlying liability do I need for an umbrella policy?
  • When should I remove comp and collision on my 2016 Toyota Prius c?
  • What is PIP insurance?
  • Do I get a pro-rated refund if I cancel my policy early?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form.

Auto insurance coverage information

Learning about specific coverages of a auto insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as theft, damage from a tornado or hurricane, hitting a bird, hail damage and fire damage. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as chiropractic care, hospital visits, rehabilitation expenses, prosthetic devices and surgery. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Toyota Prius c.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability insurance

This can cover damage that occurs to other’s property or people. This coverage protects you against claims from other people. Liability doesn’t cover 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. Your policy might show limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as loss of income, court costs and attorney fees. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Collision protection

Collision insurance covers damage to your Prius c caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as driving through your garage door, colliding with another moving vehicle, sustaining damage from a pot hole, crashing into a building and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Find Good Coverage for Less

You just learned some good ideas how to save on 2016 Toyota Prius c insurance. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting the cheapest insurance. Drivers may discover the best price on insurance is with some of the smallest insurance companies.

As you restructure your insurance plan, it’s not a good idea to buy less coverage just to save a little money. There are many occasions where an insured cut uninsured motorist or liability limits and learned later they didn’t have enough coverage. The goal is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

Consumers switch companies for any number of reasons including not issuing a premium refund, poor customer service, delays in responding to claim requests and questionable increases in premium. It doesn’t matter why you want to switch choosing a new company is not as difficult as it may seem.

To learn more, take a look at the following helpful articles:

Comments About 2016 Toyota Prius c Insurance

  1. Wilda Garza

    IMHO Shreveport, Louisiana seems to have good rates from Progressive.

  2. Tarah Stanton

    Cheaper car insurance is a myth. I’m in Philadelphia, PA. Received prices from AAA, Erie, and Mercury for my 2016 Toyota Prius c and saved $197 a year. Hopefully won’t need it. Did it all online.

  3. Hyun Mcdaniel

    If you have a clean record and live near Miami, FL, check out Allstate. You might get cheaper rates. I even had a DUI years ago. I used their online quote form to compare rates.

  4. Marylin Avila

    Just my two cents. I’m in Rapid City, South Dakota. Got car insurance rates from AAA, Eastwood, and Sentry for my 2016 Toyota Prius c and I think I saved around $50 each month. I get lower rates because of my clean driving record. Not sure about claim service.

  5. Anibal Weiss

    If you don’t have tickets and live near San Jose, CA, check out State Farm. You might save some money. It’s easy to compare rates online now.

  6. Angeles Mcintyre

    Cheaper car insurance is a myth. I’m in the north part of Burlington, Vermont. Got car insurance quotes from Hartford, AAA, Nationwide, and a couple others for my Toyota and saved around $100 a year.

  7. Chrystal Figueroa

    I think I’m paying too much. Went with Safeco for my 2016 Toyota Prius c and cut my rates about $570 a year. Wish I didn’t have to insure at all.

  8. Latanya Gregory

    Nice info. I live in Fargo, North Dakota. Got rates from GEICO, AAA, and some I forget for my Prius c and saved around $390 a year. Hardly afford to drive anymore.

  9. Mikel Vasquez

    I’m from Boston, Massachusetts. Got car insurance quotes from American Family, Mercury, and a few others for my Prius c and I’m now saving $31 a month. Left Nationwide to switch. Moved home policy as well. Can still barely afford it.

  10. Melvin Cherry

    Here’s my info. I’m from Pittsburgh, PA. Quoted with State Farm, Amica, Farmers, and GMAC for my Prius c and saved $224 a year. Insured with State Farm before. Have an at-fault accident tho. Still almost need a second mortgage.