2014 Toyota Prius c Insurance Rates

Looking for the cheapest car insurance rates for your Toyota Prius c? Comparison shopping for car insurance can be a challenge for beginners to buying insurance online. Drivers have so many companies to choose from that it can turn into a real challenge to compare prices.

Consumers should take time to price shop coverage before your policy renews due to the fact that insurance rates are adjusted regularly by insurance companies. Even if you think you had the best price for Prius c coverage two years ago the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because you’re about to find out one of the easiest ways to eliminate unnecessary coverages and save money.

Take advantage of discounts

Properly insuring your vehicles can get expensive, but companies offer discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you get a quote, but some may not be applied and must be specifically requested in order for you to get them.

  • Bundle and Save – If you insure your home and vehicles with the same insurance company you will save 10% to 20% off each policy.
  • No Claims – Drivers who don’t have accidents can earn big discounts when compared to accident-prone drivers.
  • Anti-theft System – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Senior Discount – If you’re over the age of 55, you may receive a discount up to 10% for Prius c coverage.
  • Safe Drivers – Safe drivers may save up to 50% more for Prius c coverage than drivers with accidents.
  • New Vehicle Savings – Buying coverage on a new vehicle is cheaper since new cars are generally safer.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
  • Defensive Driver – Taking part in a driver safety course could cut 5% off your bill if you qualify.
  • Multiple Cars – Insuring all your vehicles on one policy can get a discount on all vehicles.

It’s important to note that some credits don’t apply to the entire policy premium. A few only apply to individual premiums such as comprehensive or collision. So when the math indicates you could get a free insurance policy, companies don’t profit that way. But all discounts will reduce the amount you have to pay.

Car insurance companies that may offer these discounts include:

It’s a good idea to ask all companies you are considering which discounts they offer. Some discounts may not apply in your state.

Toyota Prius c rates influenced by many factors

Smart consumers have a good feel for the factors that come into play when calculating the rates you pay for insurance. When you know what positively or negatively controls the rates you pay enables informed choices that will entitle you to big savings.

The list below includes some of the factors insurance companies consider when setting prices.

  • Pleasure use or commuting – The higher the mileage driven each year the higher your rate. Almost all companies apply a rate based on how the vehicle is used. Cars not used for work or commuting can get a lower rate as compared to vehicles used primarily for driving to work. Ask your agent if your insurance declarations sheet is rated on the correct usage for each vehicle, because it can save money. If your policy improperly rates your Prius c can cost quite a bit.
  • Women pay lower rates – The statistics show that women are safer drivers than men. Now that doesn’t mean women are BETTER drivers than men. They both are in accidents in similar numbers, but the men tend to have more serious accidents. Men also statistically have more aggressive citations like DUI and reckless driving.
  • Always keep insurance in force – Not having insurance can get your license suspended and your next policy will cost more because you let your coverage lapse. And not only will your rates increase, but being ticketed for driving with no insurance may earn you a revoked license or a big fine.You may need to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Consolidate policies to earn discounts – The majority of insurance companies will give a discount to customers who buy several policies from them such as combining an auto and homeowners policy. Discounts can amount to 10 percent or more. Even if you’re getting this discount you may still want to shop around to verify if the discount is saving money.
  • More people means more accidents – Residing in a small town can be a good thing when talking about insurance. Lower population means fewer accidents and also fewer theft and vandalism claims. City drivers have much more traffic to deal with and a longer drive to work. More time commuting can result in more accidents.
  • Marriage pays dividends – Being married helps lower the price on your policy. Having a spouse usually means you are more responsible and it’s proven that married couples file fewer claims.
  • Safer occupants lowers premiums – Vehicles with good safety scores tend to have better insurance rates. These vehicles have better occupant injury protection and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders. If your Toyota Prius c has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.

How to know if you need help

When it comes to buying adequate coverage, there really is not a “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that might help in determining if your situation may require specific advice.

  • How much liability insurance is required?
  • Do I really need UM/UIM coverage?
  • Should I carry comprehensive and collision coverage?
  • Why do I need rental car insurance?
  • Is other people’s property covered if stolen from my vehicle?
  • How can I get my company to pay me more for my totalled car?
  • What is UM/UIM insurance?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form.

Do drivers who switch really save?

Insurance companies such as State Farm, Allstate and GEICO consistently run ads in print and on television. They all seem to have a common claim about savings if you change your coverage to them. How does each company make almost identical claims? This is how they do it.

Insurance companies are able to cherry pick for the type of customer that makes them money. An example of a preferred risk could possibly be between the ages of 40 and 55, is a homeowner, and chooses high deductibles. A propective insured who fits that profile will get very good rates and is almost guaranteed to pay quite a bit less when switching companies.

Drivers who do not match this ideal profile will be quoted more money and this can result in the customer not buying. The ad wording is “drivers who switch” not “everybody who quotes” save that much. That’s the way companies can claim big savings.

This emphasizes why you absolutely need to get a wide range of price quotes. It’s not possible to predict which insurance companies will provide you with the cheapest Toyota Prius c insurance rates.

Car insurance coverages for a Toyota Prius c

Learning about specific coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Collision coverage

This pays for damage to your Prius c resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as sustaining damage from a pot hole, driving through your garage door and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for pain medications, surgery, X-ray expenses and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Liability insurance

This protects you from damage that occurs to other people or property by causing an accident. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like pain and suffering, funeral expenses and structural damage. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2014 Toyota Prius c.

Because many people 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 is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive or Other Than Collision

This will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, damage from a tornado or hurricane, damage from getting keyed and damage from flooding. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Quote more, save more

The cheapest 2014 Toyota Prius c insurance can be found from both online companies as well as from independent agents, so you should compare both to have the best selection. Some companies don’t offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

We covered some good ideas how to lower your insurance rates. The key concept to understand is the more companies you get rates for, the better likelihood of reducing your rate. Consumers could even find that the lowest rates come from a company that doesn’t do a lot of advertising.

People who switch companies do it for many reasons like an unsatisfactory settlement offer, delays in responding to claim requests, denial of a claim or unfair underwriting practices. Whatever your reason, choosing a new insurance company is actually quite simple.

Even more information can be read at these sites: