Cheap 2021 Toyota Prius Prime Car Insurance Quotes in 2024

Cutting costs on Driversinsurance may be slightly frustrating for drivers who are new to online rate comparisons. Because there are so many insurers available, it can easily be a big hassle to find the perfect company for you.

How to compare car insurance price quotes

To get the cheapest auto insurance quotes, there a variety of ways of comparing rate quotes from companies that offer car insurance in your state. One of the best ways to find competitive 2021 Toyota Prius Prime insurance rates is to jump online and get quotes. It is quite easy and can be accomplished by using one of the methods below.

1. Probably the best way consumers can analyze rates is to use a rate comparison form. This type of form keeps you from doing separate forms for every prospective company. A single, simple form will return quotes from car insurance companies with the best prices. Just one form and you’re done.
2. A harder way to analyze rates requires a visit to the website for each individual company and request a quote. For examples sake, let’s assume you want rates from Progressive, 21st Century and Allstate. To get each rate you have to go to every website to input your insurance information, which explains why we recommend starting with the first method.
3. The last method to compare rates is to waste gas driving to insurance agents’ offices. Comparing online rate quotes eliminates the need for an insurance agent unless you have a need for the peace of mind that only a licensed agent can provide. Drivers can obtain prices from the web and have a local agent actually service the policy.

How you compare quotes is your choice, just do your best to use apples-to-apples quote data for each quote you get. If you enter different liability limits it’s impossible to make a fair rate comparison. Just a small difference in insurance coverages or limits could throw off the whole comparison. Just keep in mind that more quotes helps increase your odds of locating more affordable rates. Some smaller insurers to not give prices over the internet, so you also need to get price estimates from the smaller companies as well.

Are you receiving every discount?

Auto insurance companies don’t always list every policy discount in a way that’s easy to find, so the following list contains a few of the more well known as well as some of the hidden savings tricks you should be using when you buy auto insurance online.

• Good Student – Getting good grades could provide a savings of up to 20% or more. Many companies even apply the discount to college students well after school through age 25.
• Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.
• College Student – College-age children who live away from home to go to college and won’t have access to an insured vehicle may be able to be covered for less.
• Discounts for Safe Drivers – Drivers without accidents could pay up to 40% less on Prius Prime insurance than their less cautious counterparts.
• Service Members Pay Less – Being deployed with a military unit could mean lower rates.
• Anti-theft System – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen with less frequency and that can save you a little bit as well.

Policy discounts save money, but most discounts do not apply to the whole policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So when it seems like all those discounts means the company will pay you, nobody gets a free ride.

The best insurance companies and their offered discounts are shown below.

• State Farm may offer discounts for defensive driving training, good driver, student away at school, anti-theft, accident-free, good student, and multiple policy.
• Liberty Mutual may have discounts that include hybrid vehicle, new move discount, new graduate, good student, and multi-policy.
• American Family includes discounts for good student, mySafetyValet, air bags, early bird, bundled insurance, and defensive driver.
• Progressive has savings for continuous coverage, multi-vehicle, online signing, homeowner, online quote discount, good student, and multi-policy.
• Farmers Insurance policyholders can earn discounts including multi-car, bundle discounts, distant student, business and professional, good student, teen driver, and youthful driver.
• Auto-Owners Insurance may include discounts for paperless, good student, anti-theft, student away at school, company car, mature driver, and safe driver.
• SAFECO offers discounts including multi-car, drive less, homeowner, anti-theft, anti-lock brakes, and teen safety rewards.

When comparing rates, check with each company or agent which discounts you qualify for. Some discounts listed above may not apply to policyholders in your area.

When in doubt talk to an agent

When choosing adequate coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions may help you determine if your situation could use an agent’s help.

• How high should my medical payments coverage be?
• Does my liability insurance cover pulling a trailer or camper?
• Am I covered if I break a side mirror?
• Should I get collision insurance on every vehicle?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Am I covered when using my vehicle for business?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• What can I do if my company won’t pay a claim?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and enter your zip code.

Car insurance 101

Understanding the coverages of your policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Comprehensive insurance

This coverage pays for 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 insurance covers things like hitting a deer, a tree branch falling on your vehicle, falling objects, hitting a bird and vandalism. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage protection

This coverage covers damage to your Prius Prime resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like colliding with another moving vehicle, colliding with a tree, crashing into a building, crashing into a ditch and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Liability coverage

This coverage provides protection from damage that occurs to a person or their property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged property.

Liability coverage protects against things such as structural damage, medical expenses and bail bonds. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Coverage for uninsured or underinsured drivers

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and damage to your 2021 Toyota Prius Prime.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical expenses

Med pay and PIP coverage kick in for immediate expenses like X-ray expenses, doctor visits, EMT expenses, dental work and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to 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