Cheapest 2012 Toyota Prius Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 5, 2023

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Want better insurance coverage rates for your Toyota Prius? Having to pay for overpriced insurance coverage can empty your personal savings and force you to make sacrifices. Comparison shopping is a smart way to cut your insurance bill.

Big-name insurance companies like State Farm, Allstate, GEICO and Progressive promote their brand names with ad campaigns and it is challenging if not impossible to see past the geckos and flying pigs and find the best price available.

It is always a good idea to get comparison quotes yearly since insurance rates are rarely the same from one policy term to another. Just because you found the best rates for Prius insurance a few years ago you may be paying too much now. Starting now, ignore everything you know about insurance coverage because you’re going to learn the fastest way to reduce your cost while increasing coverage.

If you are paying for car insurance now, you will be able to save some money using these tips. Choosing the best insurance company for you is quite easy. Although consumers do need to know how the larger insurance companies price insurance differently because it can help you find the best coverage.

The easiest way to compare rate quotes takes advantage of the fact most of the bigger providers participate in online systems to compare rate quotes. The only thing you need to do is provide a small amount of information like if you’re married, your job, if you have an active license, and whether your vehicle is owned or leased. Your information is automatically sent to all major companies and they return cost estimate instantly to find the best rate.

To find lower rates now, click here and enter your coverage details.

Tailor your coverage to you

When buying proper insurance coverage, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that might help in determining whether or not you will benefit from professional help.

  • Why am I required to buy high-risk coverage?
  • What vehicles should carry emergency assistance coverage?
  • How high should deductibles be on a 2012 Toyota Prius?
  • Do I pay less for low miles?
  • What is the difference between comprehensive and collision coverage?
  • Does coverage extend to a rental car in a foreign country?
  • How high should my medical payments coverage be?
  • Will my insurance pay for OEM parts?
  • What if I don’t agree with a claim settlement offer?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

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Information about specific coverages

Understanding the coverages of your car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be ambiguous and coverage can change by endorsement. These are the normal coverages found on the average car insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Toyota Prius.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverage – This pays for damage to your Prius from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like backing into a parked car, colliding with another moving vehicle, rolling your car, hitting a mailbox and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as nursing services, funeral costs, dental work and hospital visits. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. It covers both the driver and occupants as well as being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Liability auto insurance – This coverage protects you from damages or injuries you inflict on other people or property that is your fault. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged property.

Liability insurance covers things such as attorney fees, medical services, loss of income and court costs. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Comprehensive auto coverage – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from a tornado or hurricane, a broken windshield, fire damage and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

What is the purpose of comparison shopping for auto insurance rates?

Comparison shopping for auto insurance rates allows you to find the best price available and potentially save money on your insurance coverage. Insurance rates can vary between different companies and policies, so it’s important to compare quotes to ensure you’re getting the most affordable coverage.

How can I compare auto insurance rates for my 2012 Toyota Prius?

To compare auto insurance rates for your 2012 Toyota Prius, you can use online systems that allow you to enter your coverage details and receive cost estimates from multiple insurance companies. By providing some basic information about yourself, your vehicle, and your coverage needs, you can easily compare rates and find the best option for your Prius.

What are the common coverages found on the average car insurance policy?

The common coverages found on the average car insurance policy include:

  • Liability auto insurance: Provides protection against damages or injuries you cause to other people or property.
  • Collision coverage: Pays for damage to your vehicle from colliding with another car or object.
  • Comprehensive coverage: Pays for damage to your vehicle from incidents other than collisions, such as theft, vandalism, or natural disasters.
  • Medical payments and PIP coverage: Covers medical expenses for you and your passengers in case of injuries sustained in an accident.
  • UM/UIM (Uninsured/Underinsured Motorist) coverage: Protects you when the at-fault party does not have enough insurance coverage.

How can I tailor my insurance coverage to my specific needs?

When buying insurance coverage, it’s important to consider your individual needs and circumstances. There is no one-size-fits-all policy, so it’s crucial to assess your requirements and customize your coverage accordingly. Factors to consider include your driving habits, the value of your vehicle, your budget, and any additional risks you may face.

What is the purpose of UM/UIM (Uninsured/Underinsured Motorist) coverage?

UM/UIM coverage provides protection when the at-fault party in an accident does not have enough liability coverage to fully compensate for the damages or injuries caused. If you’re involved in an accident with an uninsured or underinsured driver, UM/UIM coverage can help cover your medical expenses and damages. It’s essential to have adequate UM/UIM coverage to ensure you’re protected in such situations.

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