Insurance quote for Toyota Prius in CasperDo you want an efficient way to compare lower-priced car insurance rates in Casper, WY? Casper drivers have options when trying to find affordable Toyota Prius insurance. They can either waste time contacting agents to compare prices or leverage the internet to compare rates.

There are both good and bad ways to find car insurance online and you need to know the quickest way to quote coverages on a Toyota and get the best price possible either online or from Casper insurance agents.

Which Toyota Prius insurance is cheapest in Casper, WY?

Getting a cheaper price on Toyota Prius insurance is a great way to save money. The only thing you need to do is take a couple of minutes comparing rate quotes to see which company has affordable Toyota Prius insurance quotes.

The providers in the list below are ready to provide comparison quotes in Wyoming. If several companies are displayed, we recommend you visit several of them to get a more complete price comparison.

Toyota Prius Insurance Rates in Casper, WY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Prius $244 $396 $292 $18 $88 $1,038 $87
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Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Wyoming minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Premium costs do not factor in specific garaging location which can influence insurance rates considerably.

Choosing deductibles

When buying car insurance, a common question is how high should the physical damage deductibles be. The tables below may aid in understanding the differences in price between low and high policy deductibles. The first price estimate table uses a $250 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.

Toyota Prius insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Prius $312 $466 $304 $18 $92 $1,217 $101
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Toyota Prius insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Prius $194 $294 $304 $18 $92 $902 $75
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Wyoming minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Premium amounts do not factor in specific location information which can lower or raise auto insurance rates significantly.

Based on the figures above, using a $250 deductible costs approximately $26 more each month or $312 annually than requesting the higher $1,000 deductible. Because you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 29 months between claim filings, you would probably come out ahead by selecting a higher deductible.

Don't overlook these ten Toyota Prius insurance discounts

Auto insurance companies do not list every possible discount in a way that's easy to find, so the list below gives a summary of a few of the more common and the more hidden credits available to you. If they aren't giving you every credit available, you are throwing money away.Insurance discounts

We need to note that many deductions do not apply to the entire cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, companies wouldn't make money that way.

Large insurance companies and some of the premium reductions they offer are included below.

Check with each company or agent how you can save money. A few discounts may not apply in Casper. To find insurers that offer discounts in Wyoming, click here to view.

Best reasons to buy insurance in Wyoming

Even though it can be expensive, maintaining insurance is most likely required but also gives you several important benefits.

First, the majority of states have mandatory insurance requirements which means you are required to buy specific limits of liability protection in order to drive the car legally. In Wyoming these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.

Second, if you have a lien on your Prius, more than likely the lender will stipulate that you have full coverage to ensure the loan is repaid in case of a total loss. If you default on your policy, the lender may insure your Toyota at a more expensive rate and force you to reimburse them the higher price.

Third, insurance safeguards both your assets and your Toyota Prius. It will also reimburse you for many types of medical costs for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit in the event you are sued. If you have damage to your Toyota as the result of the weather or an accident, comprehensive and collision coverage will pay to have it repaired.

The benefits of having insurance definitely exceed the price paid, especially for larger claims. Despite what companies tell you, the average driver is overpaying more than $850 per year so it's very important to do a rate comparison at least once a year to be sure current rates are still competitive.

Auto insurance coverages explained

Understanding the coverages of a auto insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement.

Coverage for medical payments

Med pay and PIP coverage kick in for short-term medical expenses for things like funeral costs, chiropractic care, nursing services, rehabilitation expenses and X-ray expenses. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Toyota Prius.

Because many people only carry the minimum required liability limits (25/50/20), it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are identical to your policy's liability coverage.

Liability

Liability insurance will cover damage or injury you incur to a person or their property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/20 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $20,000. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as repair costs for stationary objects, attorney fees, legal defense fees, repair bills for other people's vehicles and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible. Wyoming state minimum liability requirements are 25/50/20 but you should consider buying more liability than the minimum.

Collision coverage

This will pay to fix damage to your Prius resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like scraping a guard rail, driving through your garage door and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible on your Prius in order to get cheaper collision rates.

Comprehensive coverages

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, hail damage, a broken windshield, hitting a deer and damage from a tornado or hurricane. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Be persistent and save

We've covered a lot of information how to compare Toyota Prius insurance premium rates in Casper. It's most important to understand that the more you quote Casper auto insurance, the better likelihood of getting inexpensive Casper auto insurance quotes. You may even find the best premium rates are with some of the smallest insurance companies.

Insureds leave their current company for a number of reasons such as poor customer service, denial of a claim, high prices or high rates after DUI convictions. Regardless of your reason for switching companies, finding a new company can be easier than you think.

Some companies may not provide internet price quotes and these small, regional companies sell through local independent agents. Budget-friendly auto insurance in Casper is possible both online in addition to local insurance agencies, and you should be comparing both to have the best chance of lowering rates.

Much more information about auto insurance in Wyoming is located below: