Cheapest 2010 Toyota Prius Insurance Rates in 2023
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UPDATED: May 11, 2022
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Sick and tired of trying to scrape together enough money each month for car insurance? You are no different than many other consumers. There is such a variety of car insurance companies to buy insurance from, and although it’s nice to be able to choose, so many choices can make it hard to compare rates and cut insurance costs.
Locating affordable protection is not that difficult. If you are insured now or need new coverage, you can follow these tips to cut your premiums while maintaining coverages. Drivers just need to learn the best way to shop over the internet.
There are lots of ways to get the cost of 2010 Toyota Prius car insurance lower by shopping for the right discounts.
Take discounts and save
Car insurance is not cheap, but there could be available discounts that you may not know about. Certain discounts will be applied at the time of quoting, but less common discounts must be specifically requested prior to getting the savings. If you aren’t receiving every discount possible, you’re paying more than you need to.
- Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
- Sign Early and Save – Some companies give discounts for signing up before your current expiration date. It can save you around 10%.
- Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course if offered at their school.
- Military Rewards – Having a family member in the military could mean lower rates.
- Club Memberships – Affiliation with a qualifying organization could qualify you for a break when buying insurance coverage for Prius coverage.
- Safe Drivers – Insureds without accidents may receive a discount up to 45% less for Prius coverage than drivers with accident claims.
- Multi-policy Discount – If you have multiple policies with one company you will save 10% to 20% off each policy.
- Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
- Defensive Driver – Successfully completing a course in driver safety can save you 5% or more if your company offers it.
- Drive Less and Save – Fewer annual miles on your Toyota could qualify for a substantially lower rate.
A little note about advertised discounts, some credits don’t apply the whole policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you can get free auto insurance, you’re out of luck. But any discount will help reduce your premiums.
Which policy gives me the best coverage on my 2010 Toyota Prius car insurance?
When buying the best insurance coverage, there really is not a perfect coverage plan. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover if you might need an agent’s assistance.
- Does my 2010 Toyota Prius qualify for pleasure use?
- Am I covered if I break a side mirror?
- Should I buy more coverage than the required minimum liability coverage?
- Is there coverage for injuries to my pets?
- What should my uninsured motorist coverage limits be in my state?
- How do I file an SR-22 for a DUI in my state?
- What is roadside assistance coverage?
If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent.
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Drivers who switch save $471 a year? Really?
Consumers constantly see and hear ads that promise big savings by State Farm, GEICO and Progressive. All the ads make an identical promise that you’ll save big after switching to their company.
How do they all make the same claim?
Insurance companies have a preferred profile for the type of customer that is profitable for them. For example, a preferred risk might be over the age of 40, has no driving citations, and drives less than 7,500 miles a year. A customer getting a price quote that hits that “sweet spot” receives the best rates and therefore will save a lot of money.
Potential customers who don’t qualify for the requirements must pay higher premiums which usually ends up with business not being written. The ads say “drivers who switch” not “people who quote” save that much. This is how companies can advertise the way they do.
This illustrates why it is so important to compare as many rates as you can. You cannot predict which insurance companies will provide you with the cheapest Toyota Prius insurance rates.
2010 Toyota Prius car insurance 101
Knowing the specifics of insurance helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are typical coverages found on most insurance policies.
Med pay and Personal Injury Protection (PIP)
Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for doctor visits, dental work, X-ray expenses and surgery. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage
This coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things such as fire damage, damage from getting keyed and rock chips in glass. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Auto liability insurance
Liability coverage provides protection from damage that occurs to other people or property in an accident. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit without having the split limit caps.
Liability insurance covers things like medical services, attorney fees, emergency aid and loss of income. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.
Uninsured/Underinsured Motorist (UM/UIM)
This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.
Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these limits are identical to your policy’s liability coverage.
Collision coverage will pay to fix damage to your Prius caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like damaging your car on a curb, hitting a parking meter, crashing into a ditch and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.
2010 Toyota Prius Insurance Cost: The Bottom Line
We just showed you many ways to get a better price on 2010 Toyota Prius insurance. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Drivers may discover the best price on auto insurance is with a small local company. They can often insure niche markets at a lower cost compared to the large companies like Progressive and GEICO.
Cheaper insurance is available on the web as well as from independent agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies don’t offer you the ability to get quotes online and these small, regional companies work with independent agents.
When buying insurance coverage, it’s very important that you do not skimp on coverage in order to save money. There have been many situations where an insured dropped liability coverage limits only to regret that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy the best coverage you can find at the best price.
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