2017 Toyota Prius Prime Car Insurance Quotes – 7 Savings Tips

Want lower auto insurance rates for your Toyota Prius Prime? Feel like you’re a prisoner to an expensive auto insurance policy? Say no more because many consumers feel financially strained by their auto insurance policy.

Since drivers have many insurance companies to choose from, it’s nearly impossible to choose the lowest price company.

It’s a good habit to compare rates occasionally because prices change frequently. Just because you had the best rates for Prius Prime insurance two years ago there may be better deals available now. Forget all the misinformation about auto insurance because you’re about to find out the things you must know in order to save money, get proper deductibles and limits, all at the lowest rate.

Low cost car insurance prices

There are several ways to compare car insurance prices but there is one way that is more efficient than others. You can spend countless hours driving to local insurance agents in your area, or you can stay home and use online quotes to get the quickest rates.

Many companies participate in a marketplace that enables customers to enter their policy data once, and each company can provide price quotes based on the submitted data. This system prevents you from having to do quote requests to each individual car insurance company.

To get comparison pricing now click here to open in new window.

The only drawback to using this type of form is you can’t choose which carriers you want to price. So if you prefer to choose specific insurance companies to compare rates, we have assembled a list of car insurance companies in your area. Click here to view list.

Whichever method you choose, try to keep apples-to-apples coverage data for each price quote. If the quotes have different data it will be next to impossible to make an equal comparison. Just slight variations in limits could skew the results. Just remember that getting more free quotes helps you find lower pricing.

Are insurance coverage companies telling the truth?

Insurance coverage providers like State Farm and Allstate continually stream ads on television and other media. They all seem to make an identical promise about savings after switching to them. It sounds good, but how can they all make almost identical claims? This is the way they can do it.

All the different companies require specific criteria for the type of driver that will generate a profit. An example of a desirable insured may be between 30 and 50, is a homeowner, and drives newer vehicles. Any new insured who matches those parameters receive the lowest rate quotes and will probably save money with a new company.

Consumers who may not quite match these stringent criteria will probably be forced to pay a higher rate which leads to business not being written. If you listen closely, the ads state “drivers who switch” but not “all drivers who get quotes” save that much money. This is how insurance companies can confidently advertise the savings. Different companies use different criteria so you should get as many free auto insurance quotes as possible. It’s just too difficult to predict with any certainty which company will fit you best based on your risk profile.

Earn discounts to get lower-cost auto insurance quotes

Auto insurance companies don’t necessarily list every discount in an easy-to-find place, so the following is a list of a few of the more common and also the lesser-known savings tricks you should be using when you buy auto insurance online.

• Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems may earn rate discounts as much as 30%.
• Student Discounts – Being a good student may save you up to 25%. Most companies allow this discount well after school through age 25.
• Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class as it can save substantially.
• Multi-car Discount – Buying coverage for more than one vehicle on a single policy can reduce the rates for all insured vehicles.
• Professional Organizations – Participating in a civic or occupational organization is a good way to get lower rates on your next renewal.
• Bundled Policy Discount – If you have multiple policies with the same insurance company they may give you a discount of up to 20% off your total premium.
• Waiver for an Accident – This isn’t a discount exactly, but some insurance companies may permit one accident before your rates go up if you have no claims before the accident.

Drivers should understand that some credits don’t apply to your bottom line cost. Most only apply to individual premiums such as medical payments or collision. Just because you may think you could get a free auto insurance policy, it just doesn’t work that way.

To choose auto insurance companies who offer free auto insurance quotes, follow this link.

Tailor your auto insurance coverage to you

When choosing coverage for your vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions might point out whether or not you will benefit from professional help.

• Is my dog or cat covered if injured in an accident?
• What are the financial responsibility laws in my state?
• Am I covered when driving someone else’s vehicle?
• Can my babysitter drive my car?
• How do I insure my teen driver?
• What is UM/UIM insurance?
• How much liability coverage do I need in my state?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Car insurance coverage information

Having a good grasp of insurance helps when choosing which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages found on the average insurance policy.

Liability

Liability insurance will cover damages or injuries you inflict on other people or property. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers things such as emergency aid, court costs, pain and suffering, loss of income and attorney fees. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Collision protection

This coverage covers damage to your Prius Prime caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as hitting a parking meter, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Medical expense insurance

Coverage for medical payments and/or PIP pay for bills for things like dental work, rehabilitation expenses, ambulance fees and pain medications. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2017 Toyota Prius Prime.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive (Other than Collision)

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

Comprehensive coverage pays for things such as falling objects, a tree branch falling on your vehicle, theft and damage from flooding. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Save your hard earned cash

In this article, we presented a lot of techniques to reduce 2017 Toyota Prius Prime insurance prices online. It’s most important to understand that the more times you quote, the better your comparison will be. Drivers may discover the lowest prices are with a small mutual company. These companies often have lower rates on specific markets as compared to the big name companies such as Progressive and Geico.

More affordable auto insurance can be bought online and with local insurance agents, so you need to shop auto insurance with both in order to have the best price selection to choose from. Some auto insurance companies do not offer rates over the internet and many times these smaller providers sell through independent agencies.

As you shop your coverage around, do not buy less coverage just to save a little money. Too many times, an insured dropped full coverage only to regret they didn’t have enough coverage. Your objective should be to purchase a proper amount of coverage at the best cost and still be able to protect your assets.

More tips and info about auto insurance can be read by following these links:

• Child Safety FAQ (iihs.org)
• Medical Payments Coverage (Liberty Mutual)
• Determing Auto Insurance Rates (Geico)
• Booster Seat Ratings (iihs.org)