2019 Toyota Prius Prime Car 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 21, 2024

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Searching for the cheapest insurance rates for your Toyota Prius Prime? Sick and tired of trying to scrape together enough money to make your insurance payment? You’re in the same situation as many other drivers. There is such a variety of insurers to pick from, and although it’s a good thing to have a choice, more options can take longer to compare rates.

Ways to get insurance quotes

Getting a cheaper price on 2019 Toyota Prius Prime insurance is a great way to save money. Drivers just need to take a couple of minutes to compare free insurance quotes from online providers. Insurance prices can be quoted in several different ways.

  • The single most time-saving way to find the lowest comparison rates is a comparison rater form. This easy form eliminates the need for repetitive form submissions for every prospective company. One quote request compares rates from multiple low-cost companies.
  • A less efficient way to find better pricing is going to each company website to request a price quote. For sake of this example, let’s assume you want to get rates from USAA, GEICO and Liberty Mutual. You would be required to go to every website and repeatedly enter your information, which can be really labor intensive.

You can choose any of those ways to find more affordable coverage, but make sure you are using the exact same information with every price quote. If you enter differing limits it will be very difficult to find the best deal for your Toyota Prius Prime.

Don’t overlook these car insurance discounts

Some insurers don’t always advertise the complete list of policy discounts in an easy-to-find place, so we researched a few of the more well known as well as some of the hidden discounts that may be available.

  • Defensive Driver Discount – Completing a class that teaches safe driver techniques could possibly earn you a 5% discount and easily pay for the cost of the class.
  • Clubs and Organizations – Belonging to qualifying clubs or civic groups is a simple method to lower premiums when shopping for car insurance.
  • Own a Home and Save – Owning a home can save you money because of the fact that having a home requires a higher level of personal finance.
  • Good Driver Discount – Insureds without accidents can save up to 40% or more on their insurance quote on Prius Prime coverage compared to rates paid by drivers with frequent claims.
  • Full Payment Discount – By paying your policy upfront as opposed to paying monthly you can avoid monthly service charges.
  • Discount for Life Insurance – If the company offers life insurance, you could get a discount if you purchase a life policy as well.
  • Telematics Data – Drivers who agree to allow their insurance company to look at driving patterns by using a telematics device like Allstate’s Drivewise may see discounts as long as they are good drivers.

Discounts lower rates, but some credits don’t apply to the entire policy premium. Most only reduce specific coverage prices like liability, collision or medical payments. Despite the appearance that you would end up receiving a 100% discount, it doesn’t quite work that way.

Larger car insurance companies and some of their more popular discounts are:

  • State Farm has discounts for multiple autos, accident-free, student away at school, safe vehicle, and Drive Safe & Save.
  • GEICO policyholders can earn discounts including five-year accident-free, seat belt use, daytime running lights, anti-lock brakes, defensive driver, and anti-theft.
  • SAFECO offers discounts for safe driver, multi-car, drive less, accident prevention training, anti-lock brakes, bundle discounts, and teen safety rewards.
  • Farmers Insurance may offer discounts for teen driver, pay in full, early shopping, mature driver, good student, and bundle discounts.
  • AAA may have discounts that include good driver, education and occupation, AAA membership discount, pay-in-full, and good student.
  • USAA includes discounts for multi-vehicle, annual mileage, loyalty savings, safe driver, defensive driver, new vehicle, and good student.

When quoting, ask every company the best way to save money. Some discounts may not apply to policyholders in your state. If you would like to see a list of insurance companies with discount car insurance rates, enter your zip code here.

When to get professional advice

When buying the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different so your insurance should reflect that For example, these questions can aid in determining whether or not you could use an agent’s help.

  • Do I pay less for low miles?
  • Do I need replacement cost coverage on my 2019 Toyota Prius Prime?
  • Can I still get insurance after a DUI?
  • What are the financial responsibility laws in my state?
  • Do I need replacement cost coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete your zip code. It’s fast, doesn’t cost anything and you can get the answers you need.

Learn about insurance coverages for a 2019 Toyota Prius Prime

Knowing the specifics of your policy helps when choosing the best coverages and the correct deductibles and limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average insurance policy.

Collision insurance

Collision coverage covers damage to your Prius Prime from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like backing into a parked car, hitting a mailbox and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for expenses such as pain medications, prosthetic devices and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Comprehensive protection

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like rock chips in glass, damage from flooding, a tree branch falling on your vehicle and falling objects. The most a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverages

This coverage provides protection from damage or injury you incur to people or other property. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as medical services, emergency aid, medical expenses, legal defense fees and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Toyota Prius Prime.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Usually these limits are identical to your policy’s liability coverage.

Online plus local equals savings

Lower-priced 2019 Toyota Prius Prime insurance can be found both online as well as from insurance agents, and you should compare rates from both to get a complete price analysis. Some car insurance companies don’t offer online rate quotes and these regional insurance providers sell through independent agents.

Throughout this article, we presented a lot of tips how to lower your 2019 Toyota Prius Prime insurance prices. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from a company that doesn’t do a lot of advertising. Some small companies can often provide lower rates in certain areas compared to the large companies like Allstate or State Farm.

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