How Much Does 2019 Toyota Prius c Car Insurance Cost in 2024?

Trying to find cheaper insurance coverage rates? Buyers have options when searching for affordable Toyota Prius c insurance. They can either waste time calling around getting price quotes or leverage the internet to compare rates.

There are both good and bad ways to find insurance coverage online so we’re going to tell you the proper way to quote coverages on a Toyota and get the best price possible either online or from local insurance agents.

Drivers can save with these money-saving discounts

Insurance can be prohibitively expensive, but there are discounts available that many people don’t even know exist. Certain reductions will be credited at the time of purchase, but some discounts are required to be specifically requested in order for you to get them.

• ABS and Traction Control Discounts – Cars with ABS braking systems or traction control can stop better under adverse conditions and will save you 10% or more.
• Government Employee Discount – Active or former government employment could qualify for a slight premium decrease on Prius c insurance with some auto insurance companies.
• Good Student – This discount can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
• Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them take driver’s ed class in high school.
• Homeowners Pay Less – Just owning your own home may earn you a small savings because owning a home demonstrates responsibility.

It’s important to note that many deductions do not apply to the whole policy. The majority will only reduce individual premiums such as collision or personal injury protection. Just because you may think it’s possible to get free car insurance, nobody gets a free ride. Any qualifying discounts will lower your policy premium.

A list of companies and some of their more popular discounts are included below.

• State Farm offers discounts for accident-free, anti-theft, student away at school, safe vehicle, multiple autos, and good driver.
• Liberty Mutual has savings for teen driver discount, preferred payment discount, hybrid vehicle, safety features, and good student.
• American Family includes discounts for TimeAway discount, good driver, bundled insurance, good student, multi-vehicle, accident-free, and air bags.
• Progressive offers discounts including continuous coverage, homeowner, multi-policy, online quote discount, good student, online signing, and multi-vehicle.
• Farmers Insurance policyholders can earn discounts including switch companies, alternative fuel, bundle discounts, early shopping, homeowner, teen driver, and business and professional.
• Auto-Owners Insurance offers premium reductions for mature driver, teen driver, multi-policy, anti-lock brakes, safe driver, and company car.
• SAFECO may include discounts for teen safe driver, safe driver, drive less, anti-theft, teen safety rewards, accident prevention training, and anti-lock brakes.

When getting free auto insurance quotes, it’s a good idea to all the companies how many discounts you can get. Some discounts may not be available in your state. If you would like to see a list of auto insurance companies that can offer you the previously mentioned discounts, enter your zip code here.

Choices you make can impact your insurance costs

Lots of things are part of the equation when quoting car insurance. A few of the factors are predictable like your driving record, although others are not as apparent such as your credit history or how safe your car is. A large part of saving on insurance is knowing some of the things that go into determining your policy premiums. If you know what influences your rates, this helps enable you to make changes that can help you get much lower annual insurance costs.

• Prices can change based on your address – Choosing to live in a rural area is a good thing when it comes to insurance. People who live in big cities have to deal with more road rage incidents and higher rates of accident claims. Fewer people means reduced accidents.
• High coverage deductibles lower costs – Comprehensive and collision coverage deductibles state the amount of money you are required to spend before your insurance pays a claim. Physical damage protection, also called ‘full coverage’, covers damage that occurs to your car. Some instances where coverage would apply are collision with another vehicle, collision with a deer, and damage caused by road hazards. The more damage repair cost you pay before a claim is paid (deductible), the less money you will pay for insurance on Prius c insurance.
• GPS tracking and theft deterrents reduce prices – Purchasing a vehicle that has a built-in theft deterrent system can help lower your rates. Theft prevention devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop your vehicle from being stolen.
• Inexpensive frequent insurance claims are not good – Companies award lower rates to policyholders who do not file claims often. If you file claims often, you can expect much higher rates or policy non-renewal. Insurance coverage is meant to be used in the event of claims that pose a financial burden.
• Incidental coverages may be wasting money – Insurance companies have many extra add-on coverages that can add up but may not be useful. Coverages like vanishing deductibles, towing coverage, and additional equipment coverage may not be needed and are just wasting money. They may seem like a good idea initially, but if you’ve never needed them in the past consider taking them off your policy.

Do I need special coverages?

When it comes to buying adequate coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

For instance, these questions may help you determine if your situation will benefit from professional help.

• Is a fancy paint job covered?
• Why am I required to get a high-risk car insurance policy?
• Does medical payments coverage apply to all occupants?
• Should I have combined single limit or split liability limits?
• Do all my vehicles need collision coverage?
• When does my teenage driver need to be added to my policy?
• Should I buy full coverage?
• Does coverage extend to a rental car in a foreign country?
• Exactly who is provided coverage by my policy?
• If I drive on a suspended license am I covered?

If you can’t answer these questions then you might want to talk to an insurance agent. To find an agent in your area, complete your zip code. It is quick, free and you can get the answers you need.

Specific coverages for a Toyota Prius c

Learning about specific coverages of your policy helps when choosing the best coverages for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Medical costs insurance – Med pay and PIP coverage reimburse you for short-term medical expenses such as funeral costs, dental work, rehabilitation expenses, prosthetic devices and X-ray expenses. They are used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Collision coverages – Collision insurance covers damage to your Prius c resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like rolling your car, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

UM/UIM Coverage – Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Toyota Prius c.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Frequently these limits do not exceed the liability coverage limits.

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from getting keyed, hitting a bird, falling objects and a tree branch falling on your vehicle. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverages – Liability insurance provides protection from injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for claims like pain and suffering, medical services, repair costs for stationary objects, funeral expenses and attorney fees. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Don’t break the bank

We’ve covered many ways to reduce 2019 Toyota Prius c insurance premium rates online. It’s most important to understand that the more times you quote, the better chance you’ll have of finding inexpensive auto insurance. You may even find the lowest premium rates are with the smaller companies.

Budget-friendly auto insurance is definitely available from both online companies in addition to local insurance agencies, so you need to quote auto insurance with both to have the best rate selection. Some insurance companies do not offer the ability to get a quote online and many times these small insurance companies only sell coverage through independent insurance agents.

As you go through the steps to switch your coverage, you should never buy less coverage just to save a little money. There have been many situations where someone sacrificed liability limits or collision coverage only to regret that the savings was not a smart move. The goal is to buy a smart amount of coverage at the lowest possible cost, but don’t skip important coverages to save money.