Shoppers have lots of choices when shopping for affordable Toyota Prius insurance. You can either waste hours driving around to compare prices or save time using the internet to get rate quotes.
There is a right way and a wrong way to buy insurance and we’ll show you the absolute fastest way to quote coverages for a Toyota and locate the cheapest rates.
If you are insured now or need new coverage, you will benefit by learning to shop for the lowest rates while maximizing coverage. This article will let you in on how to get online quotes. Drivers only need an understanding of how to compare prices on the web.
There are multiple methods you can shop for 2012 Toyota Prius auto insurance but there is one way that is less labor-intensive and much quicker. You can spend your afternoon talking to insurance companies in your area, or you could save time and use online quotes to get the quickest rates.
All the larger companies belong to an insurance system where prospective buyers enter their coverage request one time, and each company then gives them pricing based on that information. This system prevents you from having to do quote requests for every auto insurance company.
To access this free quoting program, click here (opens in new window).
The only drawback to comparing rates this way is buyers cannot specifically choose which carriers to get pricing from. If you would rather choose from a list of companies to compare rates, we have assembled a list of the cheapest auto insurance companies in your area. Click here for list of insurance companies.
Whichever method you choose, double check that you are using apples-to-apples coverage information on every quote you get. If each company quotes different values for each quote it’s not possible to find the best deal for your Toyota Prius.
When it comes to buying the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Each situation is unique.
These are some specific questions can aid in determining if you would benefit from professional advice.
If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, fill out this quick form. It’s fast, free and can provide invaluable advice.
Knowing the specifics of your insurance policy can help you determine the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and reading a policy is terribly boring.
Liability insurance – Liability insurance provides protection from injuries or damage you cause to other people or property in an accident. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.
Liability insurance covers claims such as pain and suffering, medical expenses and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.
Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like pain medications, prosthetic devices, nursing services and funeral costs. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage
Collision coverages – Collision insurance covers damage to your Prius resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.
Collision coverage pays for claims like driving through your garage door, crashing into a building and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.
Comprehensive or Other Than Collision – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive can pay for things such as theft, vandalism, hail damage, rock chips in glass and damage from flooding. The highest amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
UM/UIM Coverage – This coverage protects you and your vehicle’s occupants 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 2012 Toyota Prius.
Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally the UM/UIM limits are similar to your liability insurance amounts.