Looking for the cheapest Toyota Prius insurance in San Diego? If you've never shopped for San Diego auto insurance quotes online, you can be baffled by the crazy number of insurance providers that all promise the best rates for Toyota Prius insurance in San Diego.
Unimaginable but true, a large majority of drivers have bought auto insurance from the same company for over three years, and 38% of customers have never compared auto insurance rates at all. Drivers in America could save about $859 a year by just comparing quotes, but they underestimate the big savings they would realize if they bought a different policy.
Keep in mind that comparing more prices helps increase your odds of locating a better price.
The providers in the list below offer free quotes in California. In order to find the cheapest auto insurance in CA, we recommend you click on several of them in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Rate information does not factor in specific zip code location which can decrease or increase premiums noticeably.
Price comparison of only insuring for liability
The information below shows the comparison of Toyota Prius insurance premiums with full coverage and liability only. The prices are based on no accidents or driving violations, $250 deductibles, single male driver, and no discounts are taken into consideration.
Should you buy full coverage or liability only?
There isn't a written rule of when to drop physical damage insurance, but there is a guideline you can consider. If the yearly cost for physical damage coverage is 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.
For example, let's say your Toyota Prius claim settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $4,000 after the policy deductible has been paid. If it's costing you more than $400 a year to have full coverage, then you may want to consider only buying liability coverage.
There are a few situations where eliminating full coverage is not financially feasible. If you still have a lienholder on your title, you have to keep full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.
Get cheaper Toyota Prius insurance in San Diego with discounts
Auto insurance companies do not list every available discount in an easy-to-find place, so the below list has some of the best known and the more hidden credits available to you.
- College Student - Kids living away from San Diego attending college without a vehicle on campus can receive lower rates.
- Payment Discounts - If you pay your entire premium ahead of time rather than spreading payments over time you may have a lower total premium amount.
- Paperwork-free - Certain car insurance companies will discount your bill up to fifty bucks for completing your application over the internet.
- Discount for Low Mileage - Fewer annual miles on your Toyota may allow you to get discounted prices on garaged vehicles.
- ABS Braking Discount - Vehicles with ABS and/or traction control are safer to drive so you can save 10 percent or more.
- No Charge for an Accident - This one is not really a discount per se, but certain companies permit an accident before raising your premiums so long as you haven't had any claims before the accident.
- Bundle and Save - If you combine your home and auto policies and place coverage with the same company you could get a discount of nearly 15% which can help you find low cost Toyota Prius insurance.
Policy discounts save money, but most discount credits are not given to your bottom line cost. Most only cut the cost of specific coverages such as comp or med pay. Even though it may seem like adding up those discounts means a free policy, that's just not realistic.
If you would like to view insurance companies that offer discounts in California, follow this link.
Insurance Cost Influencing Factors
When buying car insurance it's important to understand the different types of things that play a part in calculating your policy premiums. If you have a feel for what controls the rates you pay, this allows you to make good choices that may result in better car insurance rates. Multiple criteria are used when pricing auto insurance. A few of the factors are predictable such as your driving history, but others are more obscure like your continuous coverage or your financial responsibility.
The list below includes most of the major factors used by insurance companies to determine rates.
Bad credit hurts insurance rates - Having a bad credit score can be a huge factor in determining what you pay. If your credit rating is not that good, you could save money insuring your Toyota Prius by spending a little time repairing your credit. Insureds with excellent credit tend to be better risks to insure than those with lower credit ratings.
Physical damage deductibles - Comp and collision deductibles represent how much money you are required to spend out-of-pocket if you file a covered claim. Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some examples of claims that would be covered could be collision with another vehicle, animal collisions, or theft of your vehicle. The larger the amount the insured has to pay upfront, the bigger discount you will receive.
Deter vehicle theft - Choosing to buy a car with anti-theft technology or alarm system can help lower your rates. Systems that thwart theives such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.
Expect high rates for teens - Inexperience drivers are statistically proven to get distracted easily when behind the wheel and because of this, their car insurance rates are much higher. Having to add a first-time driver onto a policy can increase premiums substantially. Older drivers have been proven to be more responsible, cause fewer claims and accidents, and usually have better credit.
Rate your vehicle for proper use - Driving a lot of miles each year the higher your rate. A lot of insurance companies charge to insure your cars based upon how the vehicle is primarily used. Autos left parked in the garage cost less to insure than vehicles that are driven to work every day. It's always a good idea to double check that your car insurance policy is rated on the right rating data, because improper ratings can cost you money. Having the wrong rating on your Prius can cost quite a bit.
If you don't need it don't buy it - There are a ton of extra bells and whistles that you can buy on your car insurance policy. Insurance for personal injury protection, towing coverage, and Farm Bureau memberships may be costing you every month. They may seem good when discussing your needs, but if you don't need them consider taking them off your policy.
Insure your auto and home with one company - Most larger insurance companies provide discounts to clients that have more than one policy in the form of a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even if you qualify for this discount already, drivers will still want to compare Toyota Prius rates in San Diego to guarantee you are still saving the most.
Insurance losses for a Toyota Prius - Car insurance companies analyze claim trends for every vehicle as a tool for profitable underwriting. Models that have high amounts or severity of claims will have higher rates for specific coverages.
The information below illustrates the insurance loss data for Toyota Prius vehicles. For each coverage category, the statistical loss for all vehicles, as a total average, is considered to be 100. Numbers below 100 represent a good loss history, while percentage values above 100 indicate frequent claims or tendancy to have higher losses.
Car Insurance Loss Data for Toyota Prius Models
|Specific Toyota Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Toyota Prius C Hybrid||113||100||87||120||121||113|
|Toyota Prius Hybrid||101||97||98||103||118||103|
|Toyota Prius Plug-in Hybrid||98||89||87||106||114||93|
|Toyota Prius V Hybrid||94||86||88||88||94||97|
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Compare prices but buy from a local San Diego insurance agency
Certain consumers would prefer to have an agent's advice and often times that is recommended An additional benefit of comparing insurance prices online is you can get cheaper rates and still choose a local agent. Putting coverage with neighborhood agents is important particularly in San Diego.
To make it easy to find an agent, after completing this short form, your insurance coverage information is transmitted to local insurance agents in San Diego who will give you bids for your business. You won't need to leave your computer since price quotes are sent instantly to you. It's the lowest rates AND a local agent. In the event you want to quote rates from a specific company, you would need to go to their quote page and complete a quote there.
San Diego car insurance agents are either independent or exclusive
When researching a local agent, you should know the types of insurance agents that differ in how they can insure your vehicles. Agents can be described as either exclusive agents or independent agents.
Independent Car Insurance Agencies or Brokers
Agents of this type are normally appointed by many insurers and that is an advantage because they can write policies with many different companies depending on which coverage is best. If they find a lower price, your agent can switch companies and you can keep the same agent. If you are comparing rate quotes, we highly recommend that you get insurance quotes from at a minimum one independent agency to ensure the widest selection of prices. Most can insure with additional companies that you may not be familiar with which may provide better rates.
Below is a list of independent insurance agents in San Diego that can give you price quote information.
- Alcott Insurance
3945 Idaho St - San Diego, CA 92104 - (619) 293-3800 - View Map
- Springbrook Insurance Agency
10650 Treena St #105 - San Diego, CA 92131 - (858) 391-3001 ext. 105 - View Map
- AG Insurance Agency
11440 W Bernardo Ct #161 - San Diego, CA 92127 - (858) 431-9880 - View Map
Exclusive Car Insurance Agents
These type of agents have only one company to place business with and some examples include Farmers Insurance or State Farm. Exclusive agents are unable to shop your coverage around so it's a take it or leave it situation. Exclusive agencies are very knowledgeable on sales techniques which helps overcome the inability to quote other rates. Many people buy insurance from these agents mainly due to loyalty to the company rather than low rates.
Shown below is a short list of exclusive agents in San Diego willing to provide price quotes.
- Bob Francy III - State Farm Insurance Agent
11885 Carmel Mountain Rd #905 - San Diego, CA 92128 - (858) 451-1915 - View Map
- Allstate Insurance: Patrick Wang
8650 Genesee Ave Ste 108 - San Diego, CA 92122 - (858) 623-3344 - View Map
- Myles Collins - State Farm Insurance Agent
9920 Mira Mesa Blvd A - San Diego, CA 92131 - (858) 271-6400 - View Map
Selecting an insurance agency requires you to look at more than just the price. Here are some questions you might want to ask.
- Is coverage determined by price?
- What is the agency's Better Business Bureau rating?
- What insurance company do they write the most business with?
- Do they have designations such as AIC, CPCU, or CIC?
- Do they offer rental car reimbursement?
- Are they able to influence company decisions when a claim is filed?
- How much experience to they have in personal lines coverages?
Auto insurance is unique, just like you
When quoting and choosing coverage, there really is not a one-size-fits-all type of policy. Each situation is unique.
For instance, these questions might point out if your insurance needs will benefit from professional help.
- Will damage be repaired with OEM parts?
- Does my policy cover me when driving someone else's vehicle?
- Does coverage extend to Mexico or Canada?
- Is other people's property covered if stolen from my vehicle?
- Does my Toyota Prius need full coverage?
- At what point should I drop full coverage?
- Are there any extra discounts I can get?
- Is pleasure use cheaper than using my Toyota Prius to commute?
- Do I need special coverage while pulling a rented trailer?
- Does low annual mileage earn a discount?
If you're not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don't have a local agent, fill out this quick form.
You can lower your car insurance rates
Insureds who switch companies do it for any number of reasons including unfair underwriting practices, high prices, policy cancellation or even being labeled a high risk driver. Whatever your reason, finding a great new company can be pretty painless.
As you shop your coverage around, you should never sacrifice coverage to reduce premiums. In many instances, an insured dropped physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your objective should be to buy a smart amount of coverage at the best possible price, but do not skimp to save money.
Some car insurance companies may not have internet price quotes and usually these small, regional companies only sell through local independent agents. Low-cost Toyota Prius insurance in San Diego can be purchased on the web and from local insurance agents, and you should compare rates from both to get a complete price analysis.
Additional information can be found at the links below
- What is Covered by GAP Insurance? (Allstate)
- How Much is Car Insurance for Drivers Over Age 70 in California? (FAQ)
- How Much are California Car Insurance Rates for Teenage Females? (FAQ)
- Who Has Affordable California Auto Insurance for a Toyota RAV4? (FAQ)
- How Much are Auto Insurance Rates for Homeowners in California? (FAQ)
- Who Has Affordable Car Insurance Quotes for Drivers Under 25 in California? (FAQ)
- A Tree Fell on Your Car: Now What? (Allstate)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)