Compare 2013 Toyota Prius v Car Insurance Quotes

Trying to find the cheapest car insurance rates for your Toyota Prius v? Are you tired of not being able to afford to pay your car insurance bill each month? You are no different than the majority of other car owners. Companies like GEICO and Progressive continually hit you with TV and radio ads and it is challenging if not impossible to see through the cute green geckos and mayhem and do the work needed to find the best deal.

The method we recommend to compare insurance rates from multiple companies is to realize car insurance companies participate in online systems to compare their rates. To begin a comparison, all you need to do is take a few minutes to give details like the ages of drivers, how you use your vehicles, if you lease or own, and the type of vehicles you drive. The data is submitted instantly to multiple top-rated companies and they provide comparison quotes with very little delay.

To find lower rates now, click here and enter your zip code.

Factors determining your Toyota Prius v insurance premium

Consumers need to have an understanding of the factors that go into determining the price you pay for auto insurance. Having a good understanding of what determines base rates allows you to make educated decisions that could result in better auto insurance rates.

  • Having a spouse can save you money – Being married actually saves money when buying auto insurance. Having a spouse means you’re more mature and responsible and it’s proven that being married results in fewer claims.
  • Better crash test results mean better rates – Cars with high safety ratings are cheaper to insure. The safest vehicles have better occupant injury protection and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders. If your Toyota Prius v scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Your credit rating is important – Credit history is a huge factor in determining what you pay for auto insurance. So if your credit score is not that good, you could pay less to insure your 2013 Toyota Prius v by improving your credit score. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers who have lower credit scores.
  • Men pay higher rates – The statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes cause accidents at about the same rate, but the male of the species cause more damage. Men also tend to get cited for more serious violations like reckless driving and DUI. Teenage male drivers tend to get in the most accidents and therefore have the most expensive auto insurance rates.
  • Your auto insurance rates can be influenced by your job – Did you know your auto insurance rates can be affected by your occupation? Occupations like lawyers, executives and dentists tend to have the highest average rates in part from high stress levels and long work days. Other occupations like scientists, historians and homemakers receive lower rates on Prius v coverage.
  • Theft deterrents lower rates – Purchasing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft.
  • No coverage gaps is important – Having an insurance coverage lapse is a fast way to increase your auto insurance rates. And not only will your rates increase, but being ticketed for driving with no insurance can result in a steep fine or even jail time.Then you may be required to file a SR-22 with your state DMV.
  • Do you need the policy add-ons? – There are a lot of extra bells and whistles that you can get tricked into buying if you aren’t careful. Insurance for personal injury protection, accidental death and additional equipment coverage may be wasting your money. They may seem good when talking to your agent, but now you might not need them so eliminate the coverages to reduce your premium.

How much can you save with discounts?

Insuring your fleet can be pricey, but there could be available discounts to help bring down the price. Most are applied when you quote, but some may not be applied and must be asked about before they will apply. If you’re not getting every credit possible, you are throwing money away.

  • Early Signing – Select companies give a discount for signing up prior to your current policy expiring. This can save 10% or more.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks with the same company could earn a price break for each car.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
  • Discounts for Safe Drivers – Drivers who avoid accidents can pay as much as 50% less on Prius v coverage than drivers with accident claims.
  • Drivers Ed for Students – Have your child complete a driver education course if it’s offered in school.
  • E-sign – A handful of insurance companies give back up to $50 for buying your policy online.
  • Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • Bundle and Save – When you have multiple policies with one insurance company you may earn approximately 10% to 15%.
  • Employee of Federal Government – Simply working for the federal government could cut as much as 10% off on Prius v coverage depending on your company.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as comp or med pay. So despite the fact that it appears it’s possible to get free car insurance, companies wouldn’t make money that way. Any qualifying discounts will reduce the amount you have to pay.

Car insurance companies that may have these money-saving discounts may include but are not limited to:

It’s a good idea to ask each company how you can save money. Some discounts may not be available in your area.

How much car insurance do I need?

When choosing adequate coverage for your personal vehicles, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions can aid in determining if your insurance needs may require specific advice.

  • Do I need special endorsements for business use of my vehicle?
  • How much can I save by bundling my policies?
  • Am I covered if I drive in a foreign country?
  • Does my insurance cover a custom paint job?
  • Is pleasure use cheaper than using my 2013 Toyota Prius v to commute?
  • Am I covered when delivering products for my home-based business?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Specific coverage details

Knowing the specifics of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are typical coverages found on most insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 2013 Toyota Prius v.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Normally these limits do not exceed the liability coverage limits.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as pain medications, doctor visits, rehabilitation expenses and chiropractic care. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Collision coverage protection

This coverage will pay to fix damage to your Prius v from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like crashing into a building, colliding with a tree, damaging your car on a curb, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance 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 claims like rock chips in glass, vandalism and a broken windshield. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverages

This coverage will cover injuries or damage you cause to a person or their property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as legal defense fees, attorney fees, medical expenses, court costs and medical services. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Buy Smart and Save

When you buy insurance online, it’s a bad idea to reduce coverage to reduce premium. There are too many instances where an accident victim reduced physical damage coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase a proper amount of coverage at a price you can afford.

We’ve covered many ideas to shop for 2013 Toyota Prius v insurance online. The most important thing to understand is the more you quote, the higher the chance of saving money. You may even discover the lowest priced insurance comes from some of the lesser-known companies. Some small companies can often provide lower rates in certain areas as compared to the big name companies such as Progressive or GEICO.

More detailed insurance information can be found in these articles: