Do you want to learn to get more affordable auto insurance rates in Phoenix, AZ? Phoenix shoppers have options when shopping for the lowest priced Toyota Prius Prime insurance. They can either waste time contacting agents getting price quotes or leverage the internet to make rate comparisons.
There are more efficient ways to buy auto insurance and we’ll show you the quickest way to get price quotes for a new or used Toyota and get the best price possible from both online companies and Phoenix agents.
It’s a good idea to get comparison quotes yearly because insurance rates are adjusted regularly by insurance companies. Even if you got the best premium rates on Toyota Prius Prime insurance in Phoenix a year ago a different company probably has better prices today. Forget all the misinformation about auto insurance because we’re going to demonstrate the only way to buy cheaper Toyota Prius Prime insurance in Phoenix.
The goal of this article is to help educate you on the best ways to compare prices and how you can save the most money. If you have car insurance now, you will surely be able to find better prices using this strategy. Comparison shoppers just have to use the tricks to shop their coverage around online.
Quote Phoenix Toyota Prius Prime insurance online
The providers in the list below offer free quotes in Phoenix, AZ. If multiple providers are shown, we suggest you get prices from several of them in order to get a fair rate comparison.
Why you need to buy insurance
Even though it’s not necessarily cheap to insure a Toyota in Phoenix, insurance is required in Arizona but also provides important benefits.
- The majority of states have mandatory insurance requirements which means it is punishable by state law to not carry a specific level of liability insurance coverage in order to license the vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you took out a loan on your Prius Prime, almost all lenders will make it a condition of the loan that you buy insurance to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the lender will be forced to insure your Toyota at an extremely high rate and make you pay for it.
- Insurance protects your car and your assets. Insurance will pay for medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if anyone sues you for causing an accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay to repair the damage.
The benefits of carrying adequate insurance are without a doubt worth the cost, especially for larger claims. But the average driver in Arizona is overpaying more than $850 per year so you should quote rates once a year at a minimum to ensure rates are competitive.
Do you qualify for discounts on Toyota Prius Prime insurance in Phoenix?
Insuring your fleet can be pricey, but companies offer discounts that you may not know about. Some trigger automatically when you complete an application, but once in a while a discount must be manually applied before they will apply. If you are not receiving all the discounts possible, you may be paying too high a price.
- Low Mileage Discounts – Keeping the miles down on your Toyota may enable drivers to earn lower car insurance rates due to less chance of an accident.
- Multiple Cars – Insuring multiple vehicles with the same company may reduce the rate for each vehicle.
- Good Students Pay Less – A discount for being a good student can save 20 to 25%. Many companies even apply the discount to college students up until you turn 25.
- New Vehicle Savings – Buying car insurance coverage on a new vehicle may earn a small discount since newer vehicles are generally safer.
- Distant Student Discount – Children who are attending college and don’t have a car may be able to be covered for less.
- Accident Forgiveness – Not a discount per se, but companies like Progressive, Allstate, and Liberty Mutual will let one accident slide before raising your premiums so long as you are claim-free for a specific time period.
- Federal Employees – Being employed by or retired from a federal job could qualify for a slight premium decrease depending on your company.
- Switch and Save Discount – A few larger companies allow discounts for switching policies early. You can save around 10% with this discount.
- Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a lower car insurance rate if you buy a life insurance policy as well.
A quick disclaimer, many deductions do not apply to the overall cost of the policy. A few only apply to individual premiums such as physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, it doesn’t quite work that way.
Companies and a partial list of their discounts include:
- State Farm discounts include Drive Safe & Save, safe vehicle, defensive driving training, anti-theft, and multiple autos.
- Nationwide has savings for business or organization, accident-free, Farm Bureau membership, family plan, good student, anti-theft, and multi-policy.
- GEICO offers discounts for good student, emergency military deployment, driver training, multi-policy, seat belt use, five-year accident-free, and air bags.
- AAA policyholders can earn discounts including education and occupation, anti-theft, good driver, AAA membership discount, multi-car, good student, and multi-policy.
- 21st Century may have discounts that include 55 and older, student driver, homeowners, theft prevention, and teen driver.
- The Hartford may offer discounts for driver training, defensive driver, anti-theft, good student, vehicle fuel type, bundle, and air bag.
Before purchasing a policy, check with every insurance company which credits you are entitled to. A few discounts may not apply to policyholders in your state. To see companies with discount car insurance rates in Phoenix, follow this link.
When to have guidance from an agent
Some people just want to get professional advice from a licensed agent and that is a smart decision Good agents can help you build your policy and help you file claims. A good thing about getting online price quotes is that you can obtain better rates and still have an agent to talk to. Putting coverage with local insurance agents is still important in Phoenix.
To find an agent, once you fill out this quick form, your information is sent to companies in Phoenix that can give you free Phoenix auto insurance quotes for your coverage. It makes it easy because there is no need to find an agent because quoted prices will be sent to you instantly. If you have a need to compare prices from a particular provider, feel free to go to their quote page and give them your coverage information.
Multiple types of auto insurance agents in Phoenix
If you prefer to buy car insurance from a reliable insurance agent, there are two different agency structures and how they function. Car insurance agents are considered either independent or exclusive. Both types of agents can insure your vehicles properly, but it’s a good idea to understand the subtle differences because it can impact which type of agent you select.
Independent Insurance Agents
Agents that choose to be independent can sell policies from many different companies so they can insure your vehicles through lots of different companies and get you the best rates possible. To transfer your coverage to a different company, they can switch companies in-house and you won’t have to switch agencies.
If you are comparing rate quotes, it’s recommended you get several quotes from a couple of independent agencies in order to have the best price comparison. Many can place coverage with smaller companies who may have lower rates.
The following are independent agencies in Phoenix that may be able to give free car insurance rate quotes.
- LA Insurance Agency
7602 S Central Ave – Phoenix, AZ 85042 – (602) 276-0002 – View Map
- Travelers Insurance
22601 N 19th Ave #216 – Phoenix, AZ 85027 – (623) 572-0032 – View Map
- General Southwest Insurance Agency
5628 E Thomas Rd – Phoenix, AZ 85018 – (480) 990-1900 – View Map
Exclusive Insurance Agents
Exclusive agencies normally can only provide a single company’s rates and examples are Allstate, AAA, Farmers Insurance, and State Farm. These agents are not able to place coverage with different providers so they have no alternatives for high prices. Exclusive insurance agents are trained well on their company’s products which aids in selling service over price. Consumers sometimes use the same agent mostly because of loyalty to the company instead of buying on price only.
Below is a list of exclusive insurance agencies in Phoenix willing to provide rate quotes.
- Jerry Wood – State Farm Insurance Agent
3738 E Thomas Rd – Phoenix, AZ 85018 – (602) 955-3284 – View Map
- Justin Crain – State Farm Insurance Agent
6146 N 35th Ave #103 – Phoenix, AZ 85017 – (602) 242-4141 – View Map
- Severiano Torres III – State Farm Insurance Agent
1820 N 75th Ave #106 – Phoenix, AZ 85035 – (623) 846-0240 – View Map
Selecting an insurance agency requires you to look at more than just a cheap quote. Get answers to these questions too.
- Do they have designations such as AIC, CPCU, or CIC?
- What insurance companies do they work with in Phoenix?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Can they give you a list of client referrals?
- Is there any savings for paying the full premium?
- Are there any discounts that you might be missing?
Insurance coverage basics
Learning about specific coverages of a insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.
Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims like a tree branch falling on your vehicle, damage from a tornado or hurricane, rock chips in glass, hail damage and theft. The most your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Uninsured/Underinsured Motorist (UM/UIM)
Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.
Since many Arizona drivers only purchase the least amount of liability that is required (15/30/10 in Arizona), it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are similar to your liability insurance amounts.
Liability coverage provides protection from damage or injury you incur to other people or property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 15/30/10 that translate to $15,000 bodily injury coverage, a per accident bodily injury limit of $30,000, and a limit of $10,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability can pay for claims such as medical expenses, repair costs for stationary objects, loss of income and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible. Arizona requires minimum liability limits of 15/30/10 but you should consider buying more coverage.
Med pay and Personal Injury Protection (PIP)
Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like rehabilitation expenses, X-ray expenses, ambulance fees and doctor visits. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. 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 not available in all states but it provides additional coverages not offered by medical payments coverage
Auto collision coverage
This coverage covers damage to your Prius Prime caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like damaging your car on a curb, colliding with a tree and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also raise the deductible on your Prius Prime in order to get cheaper collision rates.
More comparisons equals cheap rates
When trying to cut insurance costs, it’s a bad idea to sacrifice coverage to reduce premiums. There are too many instances where an insured dropped collision coverage and found out when filing a claim they didn’t purchase enough coverage. The proper strategy is to buy enough coverage for the lowest price but still have enough coverage for asset protection.
Lower-priced auto insurance in Phoenix is definitely available both online in addition to many Phoenix insurance agents, and you should be comparing both to have the best selection. Some companies may not offer rates over the internet and these small, regional companies prefer to sell through independent agents.
You just read many ideas to lower your Toyota Prius Prime insurance prices in Phoenix. The key thing to remember is the more times you quote, the better likelihood of getting inexpensive Phoenix auto insurance quotes. You may even discover the biggest savings come from an unexpected company.
More tips and info about auto insurance is available at these sites:
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- Who Has the Cheapest Car Insurance Quotes for a Chevrolet Traverse in Phoenix? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Good Drivers in Phoenix? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Learners Permit in Phoenix? (FAQ)
- Speed and Speed Limit FAQ (iihs.org)
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)