Cheaper 2013 Toyota Prius Plug-in Insurance Rates

Searching for cheaper auto insurance rates for your Toyota Prius Plug-in? Nobody likes having to buy auto insurance, in particular when the price is too high.

Companies like GEICO, Progressive and Allstate all claim big savings, bombarding you with advertising and consumers find it hard to see through the cute green geckos and mayhem and take the time to shop coverage around.

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using this strategy. Finding the best rates is easy if you know what you’re doing. Although vehicle owners benefit from understanding how the larger insurance companies sell insurance online and use this information to your advantage.

Best discounts on 2013 Toyota Prius Plug-in coverage

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that you may not even be aware of. A few discounts will automatically apply at the time of purchase, but a few must be specially asked for before they will apply.

  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount for Prius Plug-in insurance depending on your company.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Drivers Ed for Students – Require your teen driver to complete a driver education course if it’s offered in school.
  • Military Rewards – Having a deployed family member may qualify for rate reductions.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.

Consumers should know that some of the credits will not apply to the overall cost of the policy. Most only cut specific coverage prices like medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, car insurance companies aren’t that generous. Any qualifying discounts will help reduce the cost of coverage.

Car insurance companies that may have these benefits include:

Before buying, ask all companies you are considering how you can save money. Savings may not apply in every state.

Comparison of Insurance Coverage

The are a couple different ways of comparing price quotes from local insurance coverage companies. The best method to find competitive 2013 Toyota Prius Plug-in insurance rates is simply to get online rate quotes. This can be done in a couple of different ways.

  • The easiest and least time consuming way to find low rates is a comparison rater form (click to open form in new window). This method eliminates the need for separate forms for every insurance coverage company. Completing one form will return price quotes direct from many companies.
  • A slightly less efficient method to find lower rates consists of visiting each individual company website to request a price quote. For examples sake, we’ll assume you want comparison quotes from Nationwide, Esurance and Travelers. To find out each rate you need to visit each site and enter your information, which is why most consumers use the first method. To view a list of companies in your area, click here.

However you get your quotes, make darn sure you compare exactly the same quote information on every quote. If the quotes have different limits and deductibles on each one you will not be able to determine which rate is truly the best. Just a small difference in limits may result in large price differences. It’s important to know that comparing more company’s prices will enable you to find a better price.

Tailor your coverage to you

When it comes to choosing coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions might point out whether or not you would benefit from professional advice.

  • Do I have any recourse if my insurance company denies a claim?
  • What if I total my 2013 Toyota Prius Plug-in and owe more than it’s worth?
  • When should I drop full coverage on my 2013 Toyota Prius Plug-in?
  • How much liability coverage do I need in my state?
  • Am I covered if I crash into my own garage door?
  • Is pleasure use cheaper than using my 2013 Toyota Prius Plug-in to commute?
  • When does my teenage driver need to be added to my policy?
  • What is covered by UM/UIM coverage?
  • Who is covered by my policy?
  • Am I insured when driving a different vehicle?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Parts of your insurance policy

Knowing the specifics of insurance aids in choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverages available from insurance companies.

Comprehensive or Other Than Collision – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from flooding, damage from getting keyed and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverages – Collision coverage will pay to fix damage to your Prius Plug-in resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like hitting a mailbox, driving through your garage door, colliding with a tree, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Medical costs insurance – Med pay and PIP coverage kick in for expenses for things like nursing services, ambulance fees, doctor visits, funeral costs and surgery. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Liability car insurance – This can cover damage that occurs to other’s property or people. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like court costs, emergency aid, loss of income and bail bonds. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

UM/UIM Coverage – This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

Knowledge is power

Cheap 2013 Toyota Prius Plug-in insurance is definitely available both online and with local insurance agents, so compare prices from both to have the best selection. Some insurance companies do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.

We’ve covered a lot of information how to save on insurance. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. Drivers may discover the best prices are with the least-expected company. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate and Progressive.

More tips and info about auto insurance is available at these sites: