2006 Toyota Prius Insurance Quotes

No one likes paying for car insurance, especially when the price is too high. There are many car insurance companies to choose from, and although it’s nice to have a choice, too many choices makes it more difficult to compare rates and find the lowest cost car insurance.

You need to take a look at other company’s rates every six months since rates trend upward over time. Just because you found the best deal on Prius insurance last year you may be paying too much now. So just ignore everything you know about car insurance because you’re going to learn the fastest and easiest way to find better rates and still maintain coverage.

Cut your premium with discounts

Insuring your fleet can be pricey, but there could be available discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time you complete a quote, but less common discounts must be specifically requested before you will receive the discount. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Prius insurance than drivers with accident claims.
  • Discount for Swiching Early – Some insurance companies reward drivers for signing up prior to your current policy expiration. The savings is around 10%.
  • Pay Upfront and Save – By paying your policy upfront instead of paying each month you could save up to 5%.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off on Prius insurance with select insurance companies.
  • Homeowners Pay Less – Owning a home can help you save on insurance because owning a home demonstrates responsibility.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Auto/Home Discount – If you insure your home and vehicles with one insurance company you could get a discount of at least 10% off all policies.
  • Passive Restraints – Cars that have air bags or automatic seat belts may earn rate discounts up to 30%.

Keep in mind that some of the credits will not apply to the entire policy premium. Most cut individual premiums such as comprehensive or collision. Even though it may seem like having all the discounts means you get insurance for free, it doesn’t quite work that way. Any amount of discount will bring down the amount you have to pay.

For a list of insurance companies offering insurance discounts, click here.

Car Insurance Quote Comparison

Cutting your car insurance rates can be surprisingly simple. All you need to do is invest a few minutes comparing price quotes from different insurance companies. This can be done in a couple of different ways.

  1. One of the simplest ways to get quotes is a comparison rater form click to view form in new window. This type of form keeps you from doing separate quote forms for every car insurance company. One form will return quotes direct from many companies.
  2. A slightly less efficient method to get quotes online requires you to visit the website for each individual company and complete a new quote form. For sake of this example, let’s assume you want comparison quotes from Allstate, Progressive and Travelers. To get rate quotes you would need to take the time to go to each site to input your insurance information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but double check that you are using apples-to-apples coverage limits and deductibles for every company. If your comparisons have unequal deductibles or liability limits it’s impossible to determine which rate is truly the best.

What is the best insurance coverage?

When choosing coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions may help you determine if you may require specific advice.

  • Can I make deliveries for my home business?
  • Is motorclub coverage worth it?
  • Does my personal policy cover me when driving out-of-state?
  • What can I do if my company denied a claim?
  • Should I get collision insurance on every vehicle?
  • I have a DUI can I still get coverage?
  • Where can I find high-risk insurance?
  • Is my 2006 Toyota Prius covered for smoke damage?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Auto insurance coverages

Knowing the specifics of your policy aids in choosing the right coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are typical coverages found on most insurance policies.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2006 Toyota Prius.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually these coverages do not exceed the liability coverage limits.

Coverage for medical expenses

Med pay and PIP coverage kick in for immediate expenses for things like pain medications, EMT expenses and dental work. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Coverage for collisions

This covers damage to your Prius resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like scraping a guard rail, sustaining damage from a pot hole, hitting a mailbox and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Liability car insurance

Liability insurance protects you from damage or injury you incur to other’s property or people. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like repair bills for other people’s vehicles, loss of income, court costs and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive insurance

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hitting a bird, falling objects, fire damage, rock chips in glass and damage from getting keyed. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

In the end, you save

As you restructure your insurance plan, never sacrifice coverage to reduce premiums. In many instances, consumers will sacrifice uninsured motorist or liability limits only to regret at claim time that it was a big mistake. Your aim should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.

In this article, we covered a lot of information how to get a better price on 2006 Toyota Prius insurance. The key thing to remember is the more providers you compare, the higher the chance of saving money. Consumers may even find the best prices are with a small local company. Some small companies often have lower prices on specific markets compared to the large companies like State Farm or Progressive.

For more information, take a look at the resources below: