Cheap 2014 Toyota Prius Insurance Cost
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UPDATED: Aug 23, 2022
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Price shopping your insurance is always hard for beginners to comparison shopping online. There are so many options available that it can easily become more work than you anticipated to locate the lowest price.
Verify You’re Getting All Your Discounts
Car insurance companies don’t always list all available discounts in a way that’s easy to find, so we took the time to find some of the best known and also the lesser-known ways to save on auto insurance.
- Payment Method – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
- Defensive Driver – Taking a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.
- Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of more than 20%.
- Distant Student – Youth drivers who attend school more than 100 miles from home and don’t have a car may be able to be covered for less.
- Senior Discount – Older drivers may be able to get a small decrease in premiums on Prius insurance.
- Accident Waiver – A few companies permit an accident before raising your premiums if your claims history is clear for a set time period.
- Anti-theft Discount – Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
- Federal Government Employee – Employees or retirees of the government can save as much as 8% on Prius insurance depending on your company.
Drivers should understand that most of the big mark downs will not be given the whole policy. Most only apply to specific coverage prices like liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, it doesn’t quite work that way.
For a list of providers with discount auto insurance rates, click this link.
How to Compare Car Insurance Costs
Effectively comparing car insurance prices is a ton of work if you don’t understand the fastest way to get free quotes. You could waste a few hours talking to insurance agencies in your area, or you can stay home and use online quotes to get prices fast.
Many of the larger companies participate in an industry program that allows shoppers to complete one form, and every company returns a rated price for coverage. This system prevents you from having to do quote forms for each company you want a rate for.
To enter your information into the quoting system, click to open in new window.
The one disadvantage to comparing rates this way is you cannot specify which insurance companies to receive prices from. So if you want to select individual companies for rate comparison, we have a listing of car insurance companies in your area. View list of insurance companies.
Which method you use is up to you, but double check that you are using apples-to-apples information on every quote you get. If you enter different values for each quote it’s not possible to determine which rate is truly the best. Just a small difference in coverages may result in a large different in cost. And when quoting car insurance, remember that comparing more company’s prices will increase your chances of finding the best offered rates.
When should I talk to an agent?
When it comes to buying the best car insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Each situation is unique.
For example, these questions may help you determine if your situation might need professional guidance.
- Are rental cars covered under my policy?
- Is my dog or cat covered if injured in an accident?
- How do I file an SR-22 for a DUI in my state?
- Are rock chip repairs covered?
- Are my friends covered when driving my 2014 Toyota Prius?
- Is business equipment covered while in my vehicle?
- Does my medical payments coverage pay my health insurance deductible?
- Can my teen driver be rated on a liability-only vehicle?
- Does my personal policy cover me when driving out-of-state?
- What discounts do I qualify for?
If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form.
What auto insurance coverages do you need?
Having a good grasp of your auto insurance policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.
Collision coverage – Collision insurance covers damage to your Prius from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers things like driving through your garage door, crashing into a ditch and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.
Liability auto insurance – This protects you from damage or injury you incur to people or other property by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.
Liability coverage pays for claims like structural damage, legal defense fees, court costs, pain and suffering and medical expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.
Comprehensive protection – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like hail damage, a tree branch falling on your vehicle, damage from a tornado or hurricane and damage from getting keyed. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.
Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2014 Toyota Prius.
Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.
Medical expense coverage – Coverage for medical payments and/or PIP pay for immediate expenses for things like hospital visits, prosthetic devices and doctor visits. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay
In Any Little Way, Save Everyday
Cheaper 2014 Toyota Prius insurance is available online in addition to many insurance agents, and you should compare price quotes from both to get a complete price analysis. A few companies do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.
In this article, we presented a lot of information how to get a better price on insurance. It’s most important to understand that the more rate quotes you have, the better likelihood of reducing your rate. Consumers could even find that the most savings is with a smaller regional carrier. With the cost of a 2014 Toyota Prius ranging from about $8,000 to $18,000, you’ll want to invest in insurance that keeps pace with the value of this sought after used car.
Drivers leave their current company for any number of reasons including policy cancellation, not issuing a premium refund, high rates after DUI convictions or even extreme rates for teen drivers. Whatever your reason, finding a new company can be easier than you think.
More tips and info about car insurance is located by following these links:
- Vehicle Safety Ratings (iihs.org)
- Winter Driving (Insurance Information Institute)
- Personal Umbrella Insurance (Car Insurance 101)
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