2013 Toyota Prius v Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 7, 2024

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Finding cheaper rates on Driversauto insurance can be slightly frustrating for drivers who have little experience online insurance quotes. People have so many agents and companies to choose from that it can quickly become a real difficult job to locate the lowest price.

If you currently have a car insurance policy, you should be able to cut costs considerably using this strategy. This article will tell you how to get online quotes and some money-saving tips. But vehicle owners do need to know how big insurance companies price online insurance and use this information to your advantage.

What determines Toyota Prius v insurance costs?

The best way to find cheaper car insurance is to take a look at the rating factors that help determine the level of your policy premiums. When you understand what determines base rates, this allows you to make educated decisions that can help you get lower rates.

The itemized list below are a few of the “ingredients” used by companies to determine rates.

  • High credit means lower premiums – Credit history is a big factor in your rate calculation. So if your credit history could use some work, you could be paying less to insure your 2013 Toyota Prius v by improving your credit score. People with excellent credit tend to be better drivers and file fewer claims than drivers who have worse credit.
  • Alarms and GPS tracking lower rates – Choosing to buy a car with advanced anti-theft systems can help lower your rates. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent auto theft.
  • Car and home together may be cheaper – Most larger insurance companies will give better rates to policyholders that buy multiple policies such as combining an auto and homeowners policy. The discount can be ten or even up to twenty percent in some cases. If you currently are using one company, consumers should still compare rates to ensure the best deal.
  • Get cheaper premiums after the wedding – Walking down the aisle may save some money on your car insurance policy. Marriage generally demonstrates drivers are more financially stable and insurance companies like that drivers who are married file infrequent claims.
  • Raise your deductibles for better rates – Physical damage coverage, also called ‘full coverage’, covers your vehicle from damage. Examples of covered claims are running into the backend of another car, hitting a deer, and burglary. The deductibles you choose represent how much money you are willing to pay before a claim is paid by your company. The higher the amount the insured has to pay upfront, the better rate you will receive for Prius v insurance.
  • Better car insurance rates on safer cars – Vehicles with good safety scores get lower rates. Safe vehicles reduce the chance of injuries and fewer injuries translates directly to fewer claims and lower rates for you.
  • Liability protection – A critical coverage on your policy, liability insurance is the protection if ever you are ruled to be at fault for causing personal injury or damage in an accident. It will provide you with a defense in court starting from day one. It is affordable coverage when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.
  • Keep car insurance rates low by being claim-free – If you frequently file small claims, you can expect either higher rates or even cancellation. Insurance companies give the lowest premiums to people that do not abuse their auto insurance. Your insurance policy is intended for larger claims.

Low cost insurance prices

All major insurance companies make it easy to get prices direct online. Comparing prices online doesn’t take much effort because it’s just a matter of typing in your coverage preferences as detailed in the form. After the form is submitted, their rating system will obtain reports for credit and driving violations and provides a quote based on many factors.

This helps simplify price comparisons, but the time required to go to several different sites and type in the same data can be a bit repetitive. Unfortunately, it is important to perform this step if you are searching for the best price on insurance.

The quickest way to lower your insurance bill uses one simple form to obtain quotes from many companies. It saves time, requires less work, and makes price shopping online much simpler. Immediately after you send the form, it is rated and you are able to buy any of the price quotes you receive. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. This process takes just a few minutes to complete and can result in significant savings.

To quickly compare rates using this form now, simply enter your zip code here and fill out the form. If you have your current policy handy, we recommend you enter as close as possible to your current policy. This makes sure you will have an apples-to-apples comparison using the same coverage and limits.

Use discounts on car insurance

Car insurance can be pricey, but there could be available discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically at the time you complete a quote, but once in a while a discount must be requested specifically in order for you to get them.

  • Defensive Driver Discounts – Successfully completing a defensive driver course could earn you a small percentage discount depending on where you live.
  • ABS Braking Discount – Cars, trucks, and SUVs with anti-lock braking systems have fewer accidents so companies give up to a 10% discount.
  • Drive Safe and Save – Accident-free drivers may receive a discount up to 45% for Prius v insurance as compared to drivers with claims.
  • Low Miles Discount – Driving less may allow you to get lower premium rates due to less chance of an accident.
  • Memberships – Belonging to qualifying employment or professional organizations is a simple method to lower premiums on your next car insurance statement.
  • Driver Education Discount – Have your child complete a driver education course as it can save substantially.
  • Accident Waiver – Not really a discount, but companies like GEICO and Liberty Mutual allow you one accident before your rates go up if your claims history is clear prior to being involved in the accident.
  • Multiple Policy Discount – When you have multiple policies with one company you will save approximately 10% to 15%.

As a footnote on discounts, most discount credits are not given to your bottom line cost. Most cut the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

Popular car insurance companies and some of the discounts can be found below.

  • 21st Century includes discounts for theft prevention, air bags, driver training, early bird, and homeowners.
  • Progressive offers discounts for homeowner, multi-vehicle, good student, continuous coverage, and online quote discount.
  • State Farm has discounts for good student, Drive Safe & Save, student away at school, multiple autos, good driver, and accident-free.
  • Nationwide may have discounts that include family plan, multi-policy, accident-free, defensive driving, and business or organization.
  • Esurance may offer discounts for anti-theft, paid-in-full, emergency road assistance, safety device, online quote, and DriveSense.
  • The Hartford may include discounts for good student, driver training, air bag, vehicle fuel type, defensive driver, anti-theft, and bundle.

When getting free car insurance quotes, it’s a good idea to all companies you are considering how many discounts you can get. Some discounts listed above may not be available in your area.

Tailor your auto insurance coverage to you

When it comes to choosing the best auto insurance coverage, there really is no “best” method to buy coverage. Every situation is different.

For instance, these questions can aid in determining whether your personal situation may require specific advice.

  • Do I really need UM/UIM coverage?
  • Is my dog or cat covered if injured in an accident?
  • Are all vehicle passengers covered by medical payments coverage?
  • What exactly is covered by my policy?
  • How can I force my company to pay a claim?
  • Should I buy additional glass protection?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Car insurance coverage specifics

Having a good grasp of your car insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Liability insurance – This coverage can cover damage or injury you incur to a person or their property. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property.

Liability coverage protects against things such as repair costs for stationary objects, funeral expenses, medical expenses and structural damage. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Collision coverage – Collision coverage covers damage to your Prius v from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like scraping a guard rail, crashing into a building and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive protection – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as vandalism, a tree branch falling on your vehicle and damage from getting keyed. 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 it’s not worth carrying full coverage.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like pain medications, rehabilitation expenses, prosthetic devices and surgery. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Don’t throw your cash in the trash

Cheaper insurance can be sourced both online and with local insurance agents, and you need to price shop both so you have a total pricing picture. There are still a few companies who do not provide rates over the internet and usually these regional carriers provide coverage only through independent agents.

When searching for the cheapest car insurance quotes, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your goal is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Consumers change insurance companies for many reasons like policy cancellation, poor customer service, denial of a claim and even policy non-renewal. No matter why you want to switch, switching companies is not as hard as you think.

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