Toyota Toyota Prius Insurance Rates
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UPDATED: Nov 29, 2021
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Overpriced Toyota Prius insurance can drain your bank account, especially in this economy. Comparison shopping is free, only takes a few minutes, and is a good way to lower your monthly bill.
Because there are so many options, it can be challenging to find the right company.
It’s a great practice to price shop coverage at least once a year since rates are rarely the same from one policy term to another. Just because you had the best deal for Prius insurance two years ago you can probably find a lower rate today. You can find a lot of wrong information about insurance coverage on the web, but I’m going to show you the easiest ways to stop overpaying for insurance.
Toyota Prius insurance rates have many determining factors
An important part of buying insurance is that you know the different types of things that come into play when calculating your insurance coverage rates. When you know what positively or negatively determines base rates empowers consumers to make smart changes that can help you get much lower annual insurance costs.
- Don’t cancel a policy without a new one in place – Allowing your insurance coverage policy to lapse will be a guaranteed way to increase your insurance coverage rates. And not only will insurance be more expensive, but not being able to provide proof of insurance may earn you a license revocation or jail time.
- Your credit rating is important – Having a bad credit score is a huge factor in determining your rates. If your credit is lower than you’d like, you could save money insuring your 2013 Toyota Prius by improving your rating. People with high credit ratings tend to be more responsible than those with poor credit.
- Frequent insurance coverage claims increase rates – Car insurance companies generally give cheaper rates to drivers who file claims infrequently. If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Insurance coverage is designed for the large, substantial claims.
- Big city or small town – Being located in a small town can be a good thing when insuring your vehicles. Fewer people means a lower chance of having an accident and a lower car theft rate. Drivers who live in large cities regularly have much more traffic to deal with and longer commute times. Higher commute times translates into higher accident risk.
- Increase deductibles and save – Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your Toyota. Some examples of claims that would be covered would be colliding with a building, damage from fire, and windstorm damage. Deductibles for physical damage are how much you are required to spend out-of-pocket if you file a covered claim. The more expense the insured has to pay upfront, the lower your rates will be for Prius insurance.
Policy discounts you shouldn’t miss
The cost of insuring your cars can be expensive, but you may find discounts to help bring down the price. A few discounts will automatically apply when you quote, but some may not be applied and must be requested specifically before being credited.
- More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy qualifies for this discount.
- Senior Discount – If you’re over the age of 55, you may qualify for a small decrease in premiums for Prius insurance.
- Discount for Life Insurance – Select insurance companies reward you with a break if you buy a life insurance policy as well.
- Military Rewards – Having a deployed family member could be rewarded with lower premiums.
- Fewer Miles Equal More Savings – Keeping the miles down on your Toyota could be rewarded with better rates on cars that stay parked.
- Payment Method – If paying your policy premium upfront instead of paying each month you may reduce your total bill.
It’s important to understand that many deductions do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, it just doesn’t work that way. Any qualifying discounts will cut your overall premium however.
Insurance companies who might offer these discounts are:
- Farmers Insurance
- State Farm
Check with each company how you can save money. All car insurance discounts may not apply in your state.
Do drivers who switch really save $417 a year?
GEICO, State Farm and Progressive regularly use ads on TV and radio. All the companies make the same claim of big savings if you move to their company. How do they all say the same thing?
Insurance companies have a preferred profile for the type of customer that is profitable for them. For example, a driver they prefer might be profiled as between 30 and 50, is a homeowner, and has a short commute. A driver who meets those qualifications is entitled to the best price and therefore will pay quite a bit less when switching companies.
Drivers who don’t qualify for this ideal profile will be charged a more expensive rate and ends up with business going elsewhere. The ad wording is “people who switch” but not “drivers who get quotes” save that much money. That’s the way insurance companies can confidently state the savings.
That is why you absolutely need to get as many comparisons as possible. It is impossible to predict which insurance company will fit your personal profile best.
Insurance agents can help
When it comes to choosing adequate coverage, there really is no one size fits all plan. Every situation is different and your policy should reflect that. For instance, these questions may help you determine whether your personal situation would benefit from an agent’s advice.
- Should I put collision coverage on all my vehicles?
- Does car insurance cover theft of personal property?
- When does my teenage driver need to be added to my policy?
- Am I missing any policy discounts?
- Is my trailer covered?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- What can I do if my company won’t pay a claim?
- What should my uninsured motorist coverage limits be in my state?
- Do I have coverage when using my vehicle for my home business?
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If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.
What auto insurance coverages do you need?
Learning about specific coverages of auto insurance can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the usual coverages found on most auto insurance policies.
Collision – This coverage will pay to fix damage to your Prius from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as crashing into a ditch, hitting a mailbox and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.
Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like pain medications, funeral costs, ambulance fees, chiropractic care and doctor visits. They are often utilized in addition to your health insurance program or if you do not have health coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay
Comprehensive auto coverage – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. 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 fire damage, damage from flooding, falling objects, hitting a deer and theft. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits are identical to your policy’s liability coverage.
Auto liability – This coverage provides protection from damage or injury you incur to other people or property in an accident. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property. Another option is a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.
Liability can pay for claims like medical services, loss of income and repair bills for other people’s vehicles. How much coverage you buy is up to you, but consider buying as much as you can afford.
Compare but don’t skimp
When shopping online for car insurance, it’s a bad idea to buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice full coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.
Low-cost 2013 Toyota Prius insurance is attainable online as well as from independent agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who don’t offer online quoting and these smaller companies work with independent agents.
For more information, feel free to visit the resources below:
- Auto Crash Statistics (Insurance Information Insitute)
- Protect Yourself Against Auto Theft (Insurance Information Insitute)
- Avoiding Deer Collisions (Insurance Information Insitute)
- Parking Tips to Reduce Door Dings (State Farm)
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