2018 Toyota Prius Prime 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: May 21, 2024

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Having to pay for overpriced Toyota Prius Prime insurance can sap your accounts and put a big crunch on your finances. Getting a rate comparison can lower your rates and help to tighten up your finances.

Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate continually bombard you with TV and radio ads and it can be hard to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

If you are insured now or are looking for a new policy, you can use these techniques to find better prices and possibly find even better coverage. Finding the best rates is quite easy. Vehicle owners only need to know how to compare price quotes over the internet.

Where can I get low cost auto insurance?

Comparing auto insurance rates can be exhausting if you don’t understand the best way to get rate quotes. You could spend the better part of a day talking to local insurance agents in your area, or you can stay home and use the web to quickly compare rates.

All the larger companies belong to an insurance system that allows shoppers to only type in their quote data once, and each participating company can give them a price determined by their information. This saves time by eliminating quote forms for every auto insurance company. To participate in this free quote system, enter your zip code here.

The only downside to using this type of system is you don’t know exactly which carriers you will receive quotes from. If you prefer to choose individual companies to request quotes from, we have assembled a list of auto insurance companies in your area. Click to enter zip code.

It doesn’t matter which method you choose, just do your best to enter apples-to-apples deductibles and coverage limits on every quote. If you enter different data it will be next to impossible to determine which rate is truly the best.

Can you really save if you switch?

Drivers get pounded daily by advertisements for the lowest price auto insurance by companies like State Farm, GEICO and Progressive. They all seem to make an identical promise about savings if you just switch your policy.

How does every auto insurance company sell you cheaper insurance coverage? It’s all in the numbers.

Most companies have an ideal profile for the type of insured that earns them the most money. An example of a desirable insured might have to be between the ages of 30 and 45, has no claims, and drives a lower-performance vehicle. Anybody who fits that profile will most likely get cheap rates and therefore will save quite a bit of money when switching.

Insureds who do not match these standards must pay higher premiums and ends up with the customer buying from a different company. The wording the ads use say “people who switch” not “everybody who quotes” will save that much if they switch. That’s why companies can advertise the savings.

Each company has different criteria, so it’s extremely important to do a price quote comparison at every renewal. It is just not possible to predict which company will provide you with the cheapest prices.

The Toyota Prius Prime insurance cost equation

Many factors are part of the equation when you get your auto insurance bill. Some factors are common sense like a motor vehicle report, although some other factors are more transparent like your continuous coverage or your financial responsibility. Smart consumers have a good feel for some of the factors that are used to determine the rates you pay for insurance coverage. If you understand what impacts premium levels, this allows you to make educated decisions that could help you find cheaper rates.

The following are a partial list of the pieces insurance coverage companies consider when setting rates.

  • Cautious drivers pay the best costs – Having a clean driving record can have a huge impact on auto insurance premiums. Having just one ticket can increase the cost of insurance forty percent or more. Good drivers pay lower auto insurance prices compared to drivers with tickets. Drivers who have received multiple violations such as reckless driving or DUI might be required by their state to submit a SR-22 form with their state in order to keep their license.
  • Pleasure use or commuting – The more you drive in a year the higher your rates will be. Most insurance companies charge to insure your cars based on how the vehicle is used. Cars that sit idle most of the time get more affordable rates than vehicles that are driven to work every day. It’s always a good idea to double check that your insurance coverage policy states the right rating data. Incorrect rating for your Prius Prime may be wasting your money.
  • Excellent credit equals lower premiums – An insured’s credit score factor in determining what you pay. People that have high credit ratings tend to be more responsible and file fewer claims than drivers who have poor credit. So if your credit history is low, you could pay less to insure your 2018 Toyota Prius Prime by taking the time to improve your credit score.
  • Males pay more for insurance coverage – The statistics show women are more cautious behind the wheel. However, don’t assume that men are worse drivers. Men and women are in at-fault accidents in similar numbers, but the male of the species cause more damage and cost insurance companies more money. Not only are claims higher, but men receive more major tickets such as reckless driving.
  • Drive a safer car and pay less – Vehicles with high crash test scores tend to be cheaper to insure. Vehicles engineered for safety reduce the chance of injuries and fewer serious injuries means less claims paid passed on to you as lower rates.

Take policy discounts and save

Insurance can be prohibitively expensive, but there may be some discounts that you may not even be aware of. Certain discounts will be applied at the time you complete a quote, but some must be asked about in order for you to get them.

  • Life Insurance Discount – Larger insurance companies have a break if you buy some life insurance in addition to your auto policy.
  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than spreading payments over time you can avoid monthly service charges.
  • Safe Driver Discounts – Insureds who avoid accidents can save as much as half off their rates for Prius Prime insurance than less cautious drivers.
  • No Claims – Claim-free drivers pay much less in comparison to insureds who have frequent claims or accidents.
  • Homeowners Savings – Just owning your own home can get you a discount because owning a home requires personal responsibility.
  • Low Miles Discount – Driving less could qualify for better prices on cars that stay parked.
  • Good Student Discount – Excelling in school may save you up to 25%. Earning this discount can benefit you until age 25.
  • Resident Student – Older children living away from home attending college and won’t have access to an insured vehicle could qualify for this discount.
  • Discount for Switching Early – A few car insurance companies give discounts for buying a new policy before your current coverage expires. You can save around 10% with this discount.
  • Defensive Driving Course – Successfully completing a defensive driving class could cut 5% off your bill and easily recoup the cost of the course.

Please keep in mind that many deductions do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as medical payments or collision. Even though it may seem like you would end up receiving a 100% discount, companies don’t profit that way.

A list of companies and their possible discounts are:

  • State Farm offers premium reductions for good student, good driver, multiple policy, student away at school, driver’s education, Drive Safe & Save, and passive restraint.
  • GEICO may have discounts that include multi-policy, five-year accident-free, good student, multi-vehicle, military active duty, and emergency military deployment.
  • Allstate discounts include defensive driver, good payer, FullPay discount, good student, anti-lock brakes, and premier discount.
  • SAFECO offers discounts for teen safe driver, anti-theft, anti-lock brakes, accident prevention training, bundle discounts, safe driver, and teen safety rewards.
  • Farm Bureau may offer discounts for safe driver, good student, youthful driver, renewal discount, driver training, and 55 and retired.
  • Progressive has discounts for continuous coverage, multi-vehicle, online quote discount, good student, and online signing.
  • AAA policyholders can earn discounts including anti-theft, pay-in-full, AAA membership discount, good student, and multi-car.

If you want cheap insurance coverage quotes, ask every prospective company the best way to save money. Some discounts may not apply in your state.

Which policy gives me the best coverage?

When buying coverage, there is no single plan that fits everyone. Each situation is unique so your insurance should reflect that Here are some questions about coverages that may help you determine if you might need an agent’s assistance.

  • How high should my medical payments coverage be?
  • Do I have coverage when making deliveries for my home business?
  • When would I need rental car insurance?
  • Do I have any recourse if my insurance company denies a claim?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Will my rates increase for filing one claim?
  • Do I need replacement cost coverage?

If you can’t answer these questions, you might consider talking to an agent. If you don’t have a local agent, take a second and enter your zip code. It only takes a few minutes and can help protect your family.

Specific coverages for a Toyota Prius Prime

Knowing the specifics of your policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages offered by insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Toyota Prius Prime.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Auto liability insurance

This will cover injuries or damage you cause to a person or their property. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, medical expenses and medical services. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for bills for things like chiropractic care, rehabilitation expenses, pain medications, surgery and dental work. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Comprehensive auto coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like vandalism, damage from getting keyed, damage from flooding, fire damage and rock chips in glass. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision insurance

This covers damage to your Prius Prime resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as driving through your garage door, colliding with a tree, sideswiping another vehicle, backing into a parked car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Be a smart shopper

Discount 2018 Toyota Prius Prime insurance is attainable online and also from your neighborhood agents, so you should compare both to have the best rate selection. Some insurance providers may not provide online price quotes and usually these smaller companies prefer to sell through independent agencies.

We’ve covered a lot of information how to save on 2018 Toyota Prius Prime insurance. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may even discover the best rates are with a small mutual company. These companies can often provide lower car insurance rates in certain areas than the large multi-state companies such as Allstate, GEICO and Progressive.

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