Save Money on Toyota Prius Insurance in Fresno

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Insurance quote for Toyota Prius in FresnoTo save the most money, the best way to quote cheaper Toyota Prius insurance in Fresno is to do a yearly price comparison from different companies who can sell car insurance in California. Drivers can shop around by following these steps.

  • First, take a few minutes and learn about what is in your policy and the modifications you can make to prevent expensive coverage. Many things that cause high rates like high-risk driving behaviors and poor credit history can be controlled by paying attention to minor details.
  • Second, request price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only provide price estimates from a single company like GEICO or Allstate, while agents who are independent can provide price quotes for a wide range of companies. Begin your rate comparison
  • Third, compare the price quotes to your existing rates to see if you can save by switching companies. If you find a lower rate quote and decide to switch, make sure there is no lapse in coverage.
  • Fourth, notify your current company of your intent to cancel your current auto insurance policy and submit a completed policy application and payment to the newly selected company. Immediately upon receiving it, put the new certificate verifying coverage along with the vehicle's registration papers.

One key aspect when comparing rates is to compare the same liability limits and deductibles on every price quote and to quote with as many different companies as possible. This ensures an apples-to-apples comparison and the best price selection.

Regrettably, 70% of consumers have bought insurance from the same company for at least four years, and approximately 38% of consumers have never compared rates from other carriers. Consumers in California could save as much as 35% every year, but they don't believe how much money they would save if they changed companies.

Finding the cheapest coverage in Fresno is really quite easy. If you are already insured or need new coverage, you can use these techniques to get lower rates while maximizing coverage. Drivers only have to learn the quickest way to quote multiple rates from multiple carriers.

Best companies for Toyota Prius insurance

The companies in the list below are ready to provide free quotes in California. To buy the cheapest car insurance in CA, we suggest you get rate quotes from several of them to get the best price comparison.

Rates and statistics

The price information displayed below showcases a range of coverage prices for Toyota Prius models. Being able to understand how auto insurance premiums are determined helps drivers make smart choices when purchasing an insurance policy.

Toyota Prius Insurance Rates in Fresno, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Prius $412 $776 $488 $28 $146 $1,850 $154
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Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rate information does not factor in zip code location which can revise rates greatly.

An analysis of deductible level

One of the most common insurance questions is how high should the physical damage coverage deductibles be. The data tables below may help to illustrate the differences in price of buying low and high coverage deductibles. The first rate quote example uses a $250 deductible for comp and collision and the second set of rates uses a $500 deductible.

Toyota Prius insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Prius $386 $576 $376 $22 $112 $1,497 $125
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Toyota Prius insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Prius $314 $464 $376 $22 $112 $1,288 $107
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Premium costs do not factor in Fresno location which can influence coverage prices considerably.

We can estimate from the data above that using a $250 deductible would cost the average driver about $18 more each month or $216 a year averaged for all Prius models than choosing the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally average more than 14 months between claims, you would come out ahead by going with a higher deductible.

The illustration below shows how choosing a deductible and can affect Toyota Prius premium costs for different ages of insureds. The price estimates are based on a married female driver, comprehensive and collision coverage, and no policy discounts are applied.

These discounts can lower your car insurance quotes

Insurance can cost an arm and a leg, but you may qualify for discounts to help offset the cost. Most are applied when you get a quote, but some may not be applied and must be requested specifically before they will apply.

  • Air Bags and Passive Restraints - Vehicles with factory air bags or automatic seat belts may qualify for discounts of 20% or more.
  • Good Student Discount - Maintaining excellent grades can be rewarded with saving of up to 25%. Most companies allow this discount until age 25.
  • Buy New and Save - Insuring a vehicle that is new can save you some money compared to insuring an older model.
  • Multi-car Discount - Buying coverage for primary and secondary vehicles on a single policy can get a discount on all vehicles.
  • Government Employees - Active or former government employment could provide a small rate reduction with certain companies.
  • Fewer Miles Equal More Savings - Low annual miles may enable drivers to earn substantially lower prices.
  • Bundle and Save - If you insure your home and vehicles and place coverage with the same company you could get a discount of up to 20% off your total Prius insurance premium.

A little disclaimer on discounts, most credits do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates adding up those discounts means a free policy, companies don't profit that way.

The chart below shows the comparison of Toyota Prius auto insurance rates with and without discounts being applied to the rates. The data assumes a female driver, no claims or driving violations, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, safe-driver, multi-policy, marriage, and multi-car discounts applied.

A partial list of companies who might offer most of these discounts include:

Before you buy a policy, ask each company or agent which discounts you may be entitled to. A few discounts may not be offered everywhere. If you would like to see a list of companies that offer the discounts shown above in Fresno, click this link.

Buying insurance from Fresno auto insurance agents

Some consumers still prefer to have an agent's advice and that can be a smart move Insurance agents can help you choose the best coverages and help file insurance claims. One of the best bonuses of getting online price quotes is you may find the best rates but also keep your business local.

Insurance agents in FresnoFor easy comparison, once you complete this simple form, the quote information is sent to companies in Fresno who will give competitive quotes for your coverage. You don't have to find an agent on your own since price quotes are sent instantly to you. If you need to compare rates from a specific insurance provider, you just need to go to their quote page and submit a quote form there.

Selecting a provider should depend on more than just a cheap price. These are some valid questions you should ask.

  • Where are claims handled?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Do they get extra compensation for selling add-on coverages?
  • Is insurance their full-time profession?
  • How would your car be valued if totaled?
  • Are they actively involved in the community?
  • Is there a 24/7 contact number?

Do you need an independent or exclusive auto insurance agent?

If you are searching for a reliable insurance agent, it can be helpful to understand the different types of agents and how they can quote your rates. Agents in Fresno are considered either exclusive or independent. Either one can write policy coverage, but it is a good idea to know why they differ since it can affect the type of agent you choose.

Exclusive Agencies

Agents that choose to be exclusive work for only one company such as American Family, State Farm, and Allstate. These agents are unable to shop your coverage around so keep that in mind. Exclusive agencies are highly trained on their company's products which helps them sell on service rather than price. A lot of people use the same exclusive agent mostly because of the brand and strong financial ratings.

Listed below is a short list of exclusive agencies in Fresno that can give you price quotes.

View more Fresno agents

Independent Agents (or Brokers)

Independent agents can sell policies from many different companies so as a result can place your coverage with an assortment of companies and get you the best rates possible. If they find a cheaper price, they simply move your policy to a different company which makes it simple for you.

When searching for an agent, you should always check rates from a few independent agents to maximize your price options. A lot of them also have access to less well-known companies which can save you money.

The following are independent insurance agencies in Fresno willing to provide comparison quotes.

View more Fresno agents

One last thing about your coverage

As you quote Fresno car insurance, never sacrifice coverage to reduce premiums. There are many occasions where consumers will sacrifice liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. The aim is to buy enough coverage at the best possible price, but do not sacrifice coverage to save money.

Low-cost Toyota Prius insurance in Fresno can be purchased both online and from local insurance agents, so you need to shop Fresno car insurance with both in order to have the best price selection to choose from. Some auto insurance companies may not have online rate quotes and these smaller companies sell through independent agencies.

You just learned many tips how you can compare Toyota Prius insurance premium rates in Fresno. The key concept to understand is the more rate comparisons you have, the better your comparison will be. Consumers may even find the lowest premium rates are with some of the smallest insurance companies.

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