Vehicles > Toyota > Prius Plug-in

Toyota Prius Plug-in Insurance Rates

You have lots of choices when insurance shopping for your Toyota vehicle. You can buy from your neighborhood insurance agent or go online to compare pricing from insurance providers. Buying auto insurance by comparing rates online can be fast and easy and at the same time you will probably save money.

If you're new to shopping for auto insurance online, it's easy to be confused by the hoards of companies competing for your business. Cutting your Prius Plug-in insurance cost can be quick and easy. Drivers just need to take a couple of minutes comparing rates provided by online insurance companies. This can be accomplished by visiting this page.

Which factors influence car insurance premiums?

Insurance rates on a Toyota Prius Plug-in can be significantly different depending on several factors. Taken into consideration are:

  • Higher performance Prius Plug-in vehicles cost more
  • How many accidents you have had
  • Multiple policies can save money
  • Pleasure use vs. commuting use
  • Special coverage such as replacement cost
  • No claims lowers premiums
  • No coverage lapses saves money
  • Whether you rent or own your home

One last important factor that helps determine the rate you pay on your Toyota is the year of manufacture. A newer vehicle cost more so the cost to replace them may end up costing you more. Conversely, more recent Toyota vehicles may have options such as automatic crash notification, sideview assist mirrors, blind-spot warning system, and all-wheel drive that may help provide discounts that lower premiums.

To get a better idea how much rates will be for your vehicle, select the year of your Prius Plug-in from available model years below.

Auto liability insurance - This coverage will cover damages or injuries you inflict on people or other property in an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so purchase as large an amount as possible.

Collision - Collision insurance will pay to fix damage to your Toyota resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in. Collision coverage for your Prius Plug-in can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive insurance - This coverage 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. The highest 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.

UM/UIM Coverage - This gives you protection from other drivers when they are uninsured or don't have enough coverage. Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP) - Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage.

How Much are Toyota Prius Plug-in Insurance Rates?