2004 Toyota Prius Insurance Cost

Searching for better insurance rates for your Toyota Prius? Locating better insurance prices for a new or used Toyota Prius can turn out to be difficult, but you can use the following methods to make it easier. There is a better way to shop for insurance so you’re going to learn the best way to get price quotes on a Toyota and locate the best price possible from local insurance agents and online providers.

Finding Car Insurance Deals

Effectively comparing car insurance prices can take hours if you aren’t aware of the best way to get rate quotes. You can spend countless hours discussing policy coverages with insurance agencies in your area, or you could use online quotes to accomplish the same thing much quicker.

Many popular insurance companies enroll in a system where prospective buyers send in one quote, and at least one company can provide price quotes for coverage. This eliminates the need for quote forms for each company you want a rate for.

To use this form to compare 2004 Toyota Prius insurance rates click here (opens in new window).

The single downside to using this type of system is buyers cannot specifically choose which carriers to receive prices from. If you would rather choose specific providers to receive pricing from, we put together a list of car insurance companies in your area. Click to view list.

It’s up to you which method you use, but compare exactly the same coverage limits and deductibles on every quote. If you enter higher or lower deductibles it’s not possible to determine the lowest rate for your Toyota Prius.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there really is no best way to insure your cars. Every situation is different.

For instance, these questions could help you determine whether or not you will benefit from professional help.

  • Should I have combined single limit or split liability limits?
  • What is the rate difference between pleasure use and commuting?
  • Do I need motorclub coverage?
  • Is upholstery damage covered by car insurance?
  • Do all my vehicles need collision coverage?
  • If my 2004 Toyota Prius is totaled, can I afford another vehicle?
  • Is extra glass coverage worth it?
  • Should I drop comprehensive coverage on older vehicles?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

Insurance policy coverages for a Toyota Prius

Having a good grasp of insurance helps when choosing the right coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage reimburse you for immediate expenses for pain medications, prosthetic devices, hospital visits, ambulance fees and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle 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.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Collision – This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as rolling your car, sustaining damage from a pot hole, crashing into a ditch and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability car insurance – This coverage will cover damage or injury you incur to people or other property. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims like medical expenses, repair bills for other people’s vehicles, loss of income, repair costs for stationary objects and pain and suffering. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive insurance – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hitting a bird, a broken windshield and hitting a deer. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.