Cheap 2006 Toyota Prius Insurance Rates

Finding better insurance prices for a Toyota Prius can normally be a painful process, but you can learn a few tricks to find lower rates. There are more efficient ways to find car insurance online and we’ll show you the quickest way to get price quotes for a new or used Toyota and get the cheapest rates from both online companies and local agents.

It’s a good idea to price shop coverage occasionally because rates are usually higher with each renewal. Even if you got the best deal for Prius insurance a year ago a different company probably has better rates today. There is too much inaccurate information about car insurance online, so with this article, you’re going to get the easiest ways to buy car insurance cheaper.

Are you getting all your discounts?

Companies that sell car insurance don’t always publicize all their discounts in an easy-to-find place, so we took the time to find some of the more common as well as the least known discounts you could be receiving. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Anti-lock Brakes – Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • Defensive Driving Course – Completing a defensive driving course could cut 5% off your bill if you qualify.
  • College Student – Children who live away from home and don’t have a car may qualify for this discount.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% for Prius insurance with select insurance companies.
  • Seat Belt Usage – Drivers who require all occupants to use a seat belt could cut 10% or more off your PIP or medical payments premium.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them prior to your current policy expiring. The savings is around 10%.
  • Low Mileage – Low mileage vehicles can qualify you for better rates on cars that stay parked.
  • Auto/Life Discount – Some companies give a discount if you purchase life insurance from them.
  • One Accident Forgiven – A handful of insurance companies permit an accident before hitting you with a surcharge if you are claim-free prior to the accident.
  • Good Students Pay Less – Getting good grades can get you a discount of up to 25%. This discount can apply until age 25.

Consumers should know that some of the credits will not apply the the whole policy. Most cut the cost of specific coverages such as liability and collision coverage. Just because you may think adding up those discounts means a free policy, it just doesn’t work that way.

Companies that may offer some of the above discounts are:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. All car insurance discounts might not be offered everywhere.

Fast and Easy Insurance Coverage Quotes

Shopping for lower insurance coverage rates can be a lot of work if you don’t understand the most efficient way to do it. You can spend countless hours talking to agents in your area, or you could use online quoting to get pricing more quickly.

Most car insurance companies are enrolled in a marketplace that enables customers to enter their coverage request one time, and every company then returns a price quote based on that information. This saves time by eliminating quote requests for each company. To compare 2006 Toyota Prius rates using this form now click here to open in new window.

The single downside to getting quotes like this is you cannot specify which carriers to receive prices from. If you prefer to choose specific providers to request quotes from, we have assembled a list of low cost insurance coverage companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just double check that you are using apples-to-apples information for each price quote. If each company quotes different values for each quote you will not be able to determine which rate is truly the best.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a one size fits all plan. Every insured’s situation is different.

These are some specific questions might help in determining if your insurance needs may require specific advice.

  • Does insurance cover tools stolen from my truck?
  • What exactly is covered by my policy?
  • Should I rate my 2006 Toyota Prius as pleasure use or commute?
  • Does my medical payments coverage pay my health insurance deductible?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What can I do if my company won’t pay a claim?
  • Should I buy only the required minimum liability coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and you can get the answers you need.

Car insurance coverages 101

Having a good grasp of your policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like fire damage, damage from flooding, falling objects and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as damaging your car on a curb, backing into a parked car and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for expenses for rehabilitation expenses, hospital visits, X-ray expenses, ambulance fees and chiropractic care. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability insurance

This coverage can cover injuries or damage you cause to other’s property or people that is your fault. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as attorney fees, medical services, emergency aid, pain and suffering and loss of income. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Affordable insurance is out there

We just showed you many tips how you can save on 2006 Toyota Prius insurance. The key concept to understand is the more quotes you get, the better likelihood of reducing your rate. You may even find the lowest rates come from the least-expected company.

People who switch companies do it for a variety of reasons including delays in responding to claim requests, policy non-renewal, an unsatisfactory settlement offer and denial of a claim. It doesn’t matter why you want to switch choosing a new insurance company is easier than you think.

The cheapest insurance is attainable on the web and with local insurance agents, so compare prices from both in order to have the best chance of saving money. A few companies do not offer online quoting and these small, regional companies work with independent agents.

Much more information about auto insurance is located at these links: