Want to learn how to buy more competitive car insurance rates in Tucson, AZ? Tucson drivers have many options when trying to find affordable Toyota Prius insurance. You can either spend your time struggling with agents to get rate comparisons or utilize the internet to make rate comparisons.
There are more efficient ways to shop for car insurance and you need to know the best way to get price quotes for a new or used Toyota and obtain the lowest possible price from both online companies and Tucson agents.
It’s amazing but about 70% of customers kept their coverage with the same car insurance company for at least the last four years, and just short of a majority have never even compared rates from other companies. Drivers in the U.S. could save almost 47% every year just by comparing rates, but they just feel it’s too hard to compare rate quotes online.
It is always a good idea to quote other rates before your next renewal because insurance prices change quite often. Just because you found the lowest quotes on Toyota Prius insurance in Tucson a year ago you may be paying too much now. There is a lot of bad information regarding Prius insurance on the internet, but in this article, you’re going to get a bunch of ideas how to lower your car insurance rates in Tucson.
If you are already insured or are shopping for new coverage, you will benefit by learning to lower your rates without sacrificing coverage. The purpose of this post is to help you learn how to effectively get price quotes and also save some money in the process Shoppers just need to use how to shop on the web.
Companies offering competitive Toyota Prius prices in Tucson, AZ
The following companies provide price comparisons in Tucson, AZ. If you want to find cheap car insurance in Tucson, AZ, we recommend you visit as many as you can to get the best price comparison.
Rates and data analysis
The price information displayed below outlines estimates of insurance prices for Toyota Prius models. Understanding how insurance policy premiums are established is important for making smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Prius | $280 | $526 | $332 | $20 | $100 | $1,258 | $105 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Rates do not factor in vehicle garaging location which can impact price quotes substantially.
Choosing deductibles
One common question asked by Tucson drivers is how high should your deductibles be. The tables below may help you to understand the rate difference when you select higher and lower physical damage coverage deductibles. The first rate estimation uses a $100 deductible and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Prius | $292 | $466 | $254 | $16 | $76 | $1,129 | $94 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Prius | $212 | $314 | $254 | $16 | $76 | $872 | $73 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Table data does not factor in specific zip code location which can revise prices significantly.
We can estimate from the data above that using a $100 deductible will cost you approximately $21 more each month or $252 annually across all Toyota Prius models than selecting the higher $500 deductible. Due to the fact that you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to average at least 19 months between claim filings, you would probably come out ahead if you choose the higher deductible. Below is an example of how this determination is made.
| Average monthly premium for $100 deductibles: | $94 |
| Average monthly premium for $500 deductibles (subtract): | – $73 |
| Monthly savings from raising deductible: | $21 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $21 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
One important issue to know is that raising deductibles to save money means you will have to cover more of the damage yourself when you do file a claim. You should have enough money put aside in order to pay more to get your vehicle repaired.
Careless drivers pay higher rates
The information below shows how traffic citations and at-fault collisions can drive up Toyota Prius insurance costs for different age groups of insureds. The costs are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.
How much more does full coverage cost in Tucson?
The chart below illustrates the comparison of Toyota Prius car insurance costs with and without physical damage coverage. The rates are based on no violations or accidents, $500 deductibles, drivers are single, and no discounts are applied to the premium.
Should you pay for full coverage or liability only?
There is no specific rule of when to stop paying for full coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.
For example, let’s pretend your Toyota Prius replacement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $2,000 after the policy deductible has been paid. If it’s costing in excess of $200 annually for your policy with full coverage, then you might want to think about dropping full coverage.
There are some cases where dropping physical damage coverage is not recommended. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should keep full coverage.
Buy Cheap Insurance with These Tips
A large part of saving on insurance is knowing the factors that aid in calculating your policy premiums. If you understand what determines base rates, this empowers consumers to make smart changes that could result in better insurance rates.
The list below includes some of the things utilized by car insurance companies to help set rates.
- Pay more of a claim out-of-pocket – Comprehensive and collision coverage deductibles are how much you are willing to pay before your insurance pays a claim. Physical damage coverage, also called comprehensive and collision insurance, is used to repair damage to your car. A few examples of covered claims could be rear-ending another vehicle, animal collisions, and having a roll-over accident. The more damage repair cost you have to pay, the lower your rates will be.
- Single drivers take more risk – Having a significant other helps lower the price on your policy. Marriage is viewed as being more responsible and insurance companies like that drivers who are married are more cautious.
- Consolidate and save – Some insurance companies will award discounts to insureds who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, it’s always a smart idea to compare other Tucson Prius insurance rates to make sure you are getting the best deal.There is a good possibility that you can find better rates even if you have your coverage with different companies
- Better prices with anti-theft devices – Purchasing a vehicle with anti-theft technology or alarm system can help lower your rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent vehicle theft.
- Don’t buy incidental coverages that aren’t used – There are a ton of additional coverages that sound like a good idea at the time if you aren’t diligent. Coverages like rental car coverage, accident forgiveness, and additional equipment coverage could be just wasting money. The coverages may be enticing when buying your policy, but your needs may have changed so remove them and pocket the money.
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Toyota Prius insurance loss statistics – Insurers study historical loss data when setting premium rates. Models that the statistics show to have higher claim frequency or loss amount will be charged more to insure.
The table below outlines the loss history for Toyota Prius vehicles. For each coverage type, the claim probability for all vehicles, regardless of make, model or trim level, is a value of 100. Percentage numbers below 100 mean the vehicle has better than average losses, while values over 100 indicate frequent claims or statistically larger claims.
Insurance Loss Ratings for Toyota Prius Vehicles Vehicle 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 BETTERAVERAGEWORSEData Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Toyota Prius insurance discounts in Tucson
Some providers do not advertise every discount in a way that’s easy to find, so the following list contains a few of the more well known as well as the least known credits available to you.
- No Accidents – Tucson drivers who stay claim-free pay much less compared to accident-prone drivers.
- Discounts for Safe Drivers – Accident-free drivers could pay up to 40% less compared to rates paid by drivers with frequent claims.
- Defensive Driver Discounts – Taking a defensive driving class is a good idea and can lower rates and make you a better driver.
- Low Mileage Discounts – Driving fewer miles may enable drivers to earn slightly better prices than normal.
- ABS and Traction Control Discounts – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
- Good Student Discount – A discount for being a good student could provide a savings of up to 20% or more. You can use this discount normally well after school through age 25.
- Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class as it will make them better drivers and lower rates.
- Theft Deterrent – Anti-theft and alarm system equipped vehicles help deter theft and therefore earn up to a 10% discount.
It’s important to note that most credits do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like adding up those discounts means a free policy, nobody gets a free ride. Any qualifying discounts will definitely reduce your overall bill.
The information below illustrates the difference between Toyota Prius insurance prices with and without discounts applied to the policy rates. The premium estimates are based on a female driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-policy, marriage, homeowner, and multi-car discounts applied.
Large car insurance companies and their possible discounts are outlined below.
- Travelers may have discounts that include student away at school, new car, save driver, early quote, multi-car, and home ownership.
- 21st Century discounts include automatic seat belts, teen driver, student driver, driver training, theft prevention, 55 and older, and defensive driver.
- State Farm policyholders can earn discounts including student away at school, driver’s education, Steer Clear safe driver discount, safe vehicle, and good student.
- GEICO may offer discounts for anti-theft, multi-vehicle, defensive driver, emergency military deployment, membership and employees, anti-lock brakes, and good student.
- SAFECO offers premium reductions for bundle discounts, homeowner, safe driver, drive less, and multi-car.
- AAA offers discounts including education and occupation, pay-in-full, good student, good driver, and AAA membership discount.
If you want inexpensive Tucson auto insurance quotes, ask each company or agent to give you their best rates. A few discounts might not be offered in your area. To find insurers that offer the discounts shown above in Arizona, follow this link.
When to get advice from an insurance agent
Some consumers just prefer to sit down with an agent and that is not a bad decision Licensed agents can point out coverage gaps and give you someone to call. One of the great benefits of price shopping on the web is you can get the lowest rates but also keep your business local. And providing support for small agencies is important particularly in Tucson.
To find an agent, once you fill out this quick form, the coverage information is transmitted to local insurance agents that give free quotes for your coverage. You won’t need to contact any insurance agencies due to the fact that quote results will go to you directly. In the event you want to compare rates for a specific company, you would need to jump over to their website and complete a quote there.
If you are searching for a good Tucson insurance agent, it’s helpful to know the types of insurance agents from which to choose. Agents in Tucson can be categorized as either exclusive or independent. Both types of agents can provide auto insurance policies, but we need to point out why they differ since it can affect which type of agent you select.
Independent Agents
These agents do not sell for just one brand so they have the ability to put coverage with a variety of different insurance companies and find you the best rates. If your agent finds better pricing, they simply move your policy to a different company and you can keep the same agent. When comparison shopping, we recommend you get insurance quotes from at a minimum one independent agency so that you can do a thorough price comparison. Many can place coverage with small regional insurance companies which can be an advantage.
The following is a small list of independent agents in Tucson that may be able to give comparison quotes.
- McElwain Insurance
1717 N Tucson Blvd – Tucson, AZ 85716 – (520) 327-3369 – View Map - Oasis Insurance
405 E Wetmore Rd g115 – Tucson, AZ 85705 – (520) 888-5000 – View Map - Arizona Insurance Clinic
4925 E 5th St Suite # 101 – Tucson, AZ 85711 – (520) 323-6887 – View Map
Exclusive Agencies
Exclusive agencies can only place business with one company and examples are State Farm or Allstate. Exclusive agents cannot compare rates from other companies so you need to shop around if the rates are high. Exclusive agents are usually well trained on the products they sell which helps them compete with independent agents. Consumers sometimes buy insurance from these agents mainly due to loyalty to the company rather than low rates.
Shown below are exclusive agencies in Tucson that can give you rate quotes.
- Farmers Insurance: John Brown
9155 E Tanque Verde Rd #117 – Tucson, AZ 85749 – (520) 323-2500 – View Map - Kevin Dale – State Farm Insurance Agent
5643 E Grant Rd – Tucson, AZ 85712 – (520) 721-8184 – View Map - Annie Frits – State Farm Insurance Agent
3320 N Country Club Rd #210 – Tucson, AZ 85716 – (520) 777-7499 – View Map
Choosing the best auto insurance agent is decision based upon more than just a cheap price. The following questions are important to ask.
- Are they actively involved in the community?
- Do they have a Better Business Bureau rating in Tucson?
- Is working in the agency their full-time job?
- Will you work with the agent or an assistant?
- Is there a local claims center in Tucson?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Are they giving you every discount you deserve?
- Will they take your side in the event of a claim?
Auto insurance companies ranked
Ending up with a highly-rated car insurance provider can be rather challenging considering how many choices there are in Tucson. The ranking information displayed below could help you pick which insurers to look at when comparing rates.
Top 10 Tucson Car Insurance Companies Ranked by Customer Service
- State Farm
- GEICO
- The Hartford
- Mercury Insurance
- Progressive
- The General
- Allstate
- AAA Insurance
- American Family
- Nationwide
Top 10 Tucson Car Insurance Companies Overall
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Affordable car insurance premiums are out there
As you shop your coverage around, it’s a bad idea to sacrifice coverage to reduce premiums. In many instances, an insured cut liability coverage limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy enough coverage for the lowest cost, not the least amount of coverage.
We just presented some good ideas how to compare Toyota Prius insurance auto insurance rates in Tucson. It’s most important to understand that the more companies you get premium rates for, the better your comparison will be. You may even find the most savings is with the smaller companies.
Insureds leave their current company for a variety of reasons including policy non-renewal, not issuing a premium refund, unfair underwriting practices and an unsatisfactory settlement offer. Regardless of your reason for switching companies, choosing a new company is pretty easy and you might even save some money in the process.
How to find cheaper Toyota Prius insurance in Tucson
It takes a little time, but the best way to find affordable quotes for car insurance rates is to make a habit of regularly comparing prices from different companies in Tucson. Prices can be compared by following these steps.
First, spend a few minutes and learn about car insurance and the steps you can take to prevent expensive coverage. Many rating criteria that cause high rates such as accidents, traffic tickets, and a negative credit history can be amended by making minor driving habit or lifestyle changes.
Second, compare rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from one company like GEICO or State Farm, while agents who are independent can give you price quotes from many different companies.
Third, compare the quotes to your current policy premium and determine if cheaper Prius coverage is available in Tucson. If you find a better price, make sure coverage is continuous and does not lapse.
Fourth, give notification to your agent or company to cancel your current coverage and submit a completed application and payment to the new insurer. As soon as you receive it, place your new certificate verifying proof of insurance along with the vehicle’s registration papers.
One key aspect when comparing rates is to make sure you’re comparing the same amount of coverage on every quote request and and to get quotes from every insurance company. This ensures a fair rate comparison and plenty of rates choose from.
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