2017 Toyota Prius c Insurance Quotes 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: Mar 29, 2024

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Trying to find better car insurance rates for your Toyota Prius c? Locating more affordable car insurance on the web may at first seem to be difficult for consumers new to buying their car insurance on the web. With such a big selection of agents and online companies available, how can consumers even start to compare every car insurance company to find the cheapest rates?

Consumers need to compare rates before your next renewal because insurance rates change regularly. Just because you had the best deal for Prius c coverage on your last policy you may be paying too much now. You can find a lot of misleading information regarding car insurance on the web, but I’m going to show you some of the best ways to buy car insurance cheaper.

How to shop insurance coverage online

There are a variety of methods to compare insurance coverage prices and some are easier and takes less work. You can spend countless hours talking to agents in your area, or you can utilize the web for quick rates.

Most major companies belong to a marketplace where prospective buyers only type in their quote data once, and at least one company provides a quote based on that information. This saves time by eliminating form submissions for every insurance coverage company. To get comparison pricing now enter your zip code here.

The one disadvantage to comparing rates this way is you cannot specify the insurers you want to price. So if you prefer to choose from a list of companies for rate comparison, we put together a list of insurance coverage companies in your area. Click to enter zip code.

It’s up to you which method you use, but be sure to compare the same information on every price quote you get. If you have different data it’s impossible to truly determine the lowest rate. Just slight variations in coverages may result in large price differences. Keep in mind that comparing more rates from different companies helps increase your odds of locating lower pricing. Some regional insurers cannot provide prices over the internet, so you also need to get prices on coverage from those companies, too.

Earn discounts to get lower-cost insurance coverage rates

Car insurance is not cheap, but there could be available discounts that could help you make your next renewal payment. Certain credits will be shown when you quote, but less common discounts must be specially asked for prior to getting the savings.

  • Good Students Pay Less – Performing well in school can save 20 to 25%. You can use this discount normally up to age 25.
  • Club Memberships – Joining qualifying clubs or civic groups could qualify you for a break on your next renewal.
  • Student in College – Kids who are attending college and won’t have access to an insured vehicle can receive lower rates.
  • Responsible Drivers – Safe drivers may receive a discount up to 45% for Prius c coverage than less cautious drivers.
  • Active Military Service – Being on active duty in the military may qualify for rate reductions.
  • Drivers Education – Require your teen driver to successfully take a drivers education course in school or through a local driver safety program.

As is typical with insurance, most discount credits are not given to all coverage premiums. Most only cut specific coverage prices like medical payments or collision. So even though it sounds like adding up those discounts means a free policy, you won’t be that lucky. Any amount of discount will bring down your policy premium.

A list of companies and their offered discounts can be read below.

  • GEICO discounts include military active duty, good student, multi-vehicle, daytime running lights, and seat belt use.
  • Travelers may include discounts for payment discounts, continuous insurance, hybrid/electric vehicle, good student, IntelliDrive, multi-policy, and home ownership.
  • Nationwide has discounts for good student, family plan, anti-theft, accident-free, business or organization, and easy pay.
  • Farmers Insurance offers discounts for alternative fuel, homeowner, mature driver, early shopping, good student, and bundle discounts.
  • Esurance has savings for Pac-12 alumni, renters, defensive driver, online quote, anti-lock brakes, and Switch & Save.
  • State Farm offers premium reductions for multiple policy, Drive Safe & Save, driver’s education, multiple autos, good student, student away at school, and safe vehicle.
  • Progressive policyholders can earn discounts including multi-policy, homeowner, multi-vehicle, good student, continuous coverage, online signing, and online quote discount.
  • Mercury Insurance may have discounts that include age of vehicle, professional/association, good student, ease of repair, and accident-free.

When comparing rates, check with every company what discounts are available to you. Discounts may not be offered in your state.

Tailor your insurance coverage coverage to you

When it comes to choosing the best insurance coverage coverage, there is no single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions can aid in determining whether you could use an agent’s help.

  • Why does it cost so much to insure a teen driver?
  • Why do I only qualify for high-risk insurance?
  • When can my company non-renew my policy?
  • Am I missing any policy discounts?
  • Does coverage extend to my business vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Can my teen driver be rated on a liability-only vehicle?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, complete your zip code.

Smart buyers can cut insurance costs

An important part of buying insurance is that you know some of the factors that come into play when calculating the rates you pay for auto insurance. When consumers understand what determines base rates, this helps enable you to make changes that will entitle you to better auto insurance rates.

The following are a few of the things utilized by car insurance companies to help set your rate level.

  • Filing policy claims can cost you more – If you frequently file small claims, you can look forward to much higher rates or policy non-renewal. Car insurance companies generally give the lowest premiums to people who file claims infrequently. Your insurance policy is intended to be relied upon for claims that pose a financial burden.
  • Safer vehicles cost less to insure – Vehicles with high crash test scores get lower rates. These vehicles protect occupants better and any reduction in injury severity translates directly to fewer claims which can mean better rates for you.
  • Where you call home plays a part – Being located in a rural area can be a good thing when shopping for auto insurance. Residents of big cities tend to have congested traffic and longer commute times. Less people corresponds to lower accident rates and also fewer theft and vandalism claims.
  • Drive less and get lower premiums – The more miles you rack up on your Toyota annually the more it will cost to insure it. Many insurance companies price each vehicle’s coverage based on their usage. Cars used primarily for pleasure use receive better premium rates than vehicles that have high annual mileage. It’s a good idea to make sure your policy is rated on the correct usage, because it can save money. Incorrect rating for your Prius c is throwing money out the window.
  • Save money with responsible credit – Credit score factor in your rate calculation. Insureds with excellent credit scores tend to be better drivers and file fewer claims as compared to drivers with bad credit. If your credit history can be improved, you may save money insuring your 2017 Toyota Prius c if you clean up your credit.
  • Never let your auto insurance policy expire – Driving your car without having proper coverage is illegal and your next policy will cost more because you let your coverage lapse. Not only will rates go up, being ticketed for driving with no insurance will get you a steep fine or even jail time. Then you may be required to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.

Misconceptions in car insurance advertisements

Car insurance companies such as Allstate, GEICO and Progressive consistently run television and radio advertisements. All the ads state the claim that people will save if you move your policy. How does every car insurance company cost less than your current company? Here is how they do it.

Car insurance companies give the cheapest rates for a prospective insured that earns them the highest profit. An example of a profitable customer might be between the ages of 30 and 45, insures multiple vehicles, and drives less than 10,000 miles a year. Any new insured who meets those qualifications receive the lowest rate quotes and will also save when switching.

Insureds who fall short of these stringent criteria must pay higher premiums and ends up with the customer not buying. If you pay attention, the ads say “drivers who switch” not “everyone who quotes” save that much. That’s why companies can advertise the savings. This emphasizes why it is so important to do a quote comparison often. It is just not possible to predict with any certainty which company will have the best premium rates.

Auto insurance policy coverages for a Toyota Prius c

Having a good grasp of your auto insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

This provides protection when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your Toyota Prius c.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for immediate expenses for things like pain medications, X-ray expenses, EMT expenses and hospital visits. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Coverage for liability

This coverage can cover damages or injuries you inflict on a person or their property. This insurance protects YOU from legal claims by others, and doesn’t 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. Your policy might show values of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things like repair bills for other people’s vehicles, emergency aid, structural damage, court costs and loss of income. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Comprehensive (Other than Collision)

This pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as rock chips in glass, theft, hitting a deer, vandalism and hail damage. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision protection

Collision coverage covers damage to your Prius c from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as colliding with a tree, driving through your garage door, sustaining damage from a pot hole and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

A little work can save a LOT of money

As you quote insurance coverage, you should never reduce needed coverages to save money. There are many occasions where drivers have reduced uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy the best coverage you can find at the best cost while still protecting your assets.

Budget-friendly insurance can be sourced on the web and from local agencies, and you should compare rates from both to have the best selection. Some insurance companies don’t offer internet price quotes and usually these regional insurance providers prefer to sell through independent agents.

We just showed you quite a bit of information on how to compare 2017 Toyota Prius c insurance rates online. The key concept to understand is the more providers you compare, the better your chances of lowering your car insurance rates. You may even discover the best price on insurance is with the least-expected company.

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