How many years has it been since you compared the cheapest Toyota Prius insurance in St. Louis? If online car insurance comparisons are new to you, most likely you are bewildered because of the huge number of online companies offering coverage in St. Louis.
Astonishing but true, nearly 70% of Missouri drivers have remained with the same car insurance company for well over three years, and 38% of customers have never compared rates to find cheaper insurance. U.S. insurance shoppers can cut their rates by up to 46.5% a year just by comparing rates, but they just don't understand how easy it is to compare other rate quotes.
It's important to quote other rates every six months because prices change regularly. Even if you got the lowest rate on Toyota Prius insurance in St. Louis on your last policy you may be paying too much now. Forget anything you know (or think you know) about car insurance because you're about to learn one of the easiest ways to find the best coverage while lowering your premiums.
Best companies for Toyota Prius insurance
The providers in the list below offer free quotes in Missouri. If the list has multiple companies, it's a good idea that you compare several of them to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rates do not factor in specific location which can modify coverage rates substantially.
Age, gender, and Toyota Prius insurance
The diagram below compares Toyota Prius insurance costs for male and female drivers. The premiums assume a clean driving record, no claims, full physical damage coverage, $1,000 deductibles, single marital status, and no discounts are applied.
Save money by taking advantage of discounts
Insurance can cost an arm and a leg, but you might find some hidden discounts that can help lower your rates. Many of these discounts will be applied automatically at the time of purchase, but some need to be requested specifically before you will receive the discount.
- Seat Belt Usage - Using a seat belt and requiring all passengers to buckle their seat belts can save a little off the PIP or medical payment premium.
- Data Collection Discounts - Insureds that choose to allow their insurance company to analyze driving habits by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm might see lower rates if they are good drivers.
- Military Discounts - Being deployed in the military could qualify you for better car insurance rates.
- Buy New and Save - Insuring a new Prius may earn a small discount since newer vehicles are generally safer.
- Multiple Policy Discount - If you can combine your auto and homeowners policy and insure them with the same company you may save at least 10% off all policies.
- No Charge for an Accident - This isn't a discount exactly, but a few companies such as Progressive and Allstate permit an accident before hitting you with a surcharge as long as you don't have any claims before the accident.
- Responsible Drivers - Insureds without accidents can get discounts for up to 45% lower rates compared to accident prone drivers.
- Student in College - Youth drivers living away from St. Louis attending college and do not take a car to college may be able to be covered for less.
- Air Bags and Passive Restraints - Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
Don't be surprised that some credits don't apply to your bottom line cost. Most cut the price of certain insurance coverages like comp or med pay. So even though it sounds like all the discounts add up to a free policy, companies wouldn't make money that way. But all discounts will cut the cost of your policy.
Some of the insurance companies that may offer quotes with these discounts possibly include:
When comparing rates, check with each company which discounts you qualify for. A few discounts may not be available in your state. To locate providers that offer discounts in St. Louis, click this link.
Don't assume everyone needs the same car insurance coverage
When it comes to buying the best car insurance coverage, there really is no one-size-fits-all type of policy. You are unique so your insurance should reflect that For example, these questions might help in determining if you would benefit from professional advice.
- Am I covered if hit by an uninsured driver?
- How do I insure my teen driver?
- Is there a penalty for late payment?
- Why is insurance for a teen driver so high in St. Louis?
- Does every company file a SR-22 automatically?
- What are the financial responsibility laws in my state?
If you don't know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area.
Auto insurance quotes from local St. Louis insurance agencies
Certain consumers still like to get advice from a local agent and that is just fine! The biggest benefit of getting online price quotes is that you can obtain cheap auto insurance rates and still have a local agent.
To make it easy to find an agent, after completing this short form, your coverage information gets sent to local insurance agents in St. Louis that can give you free St. Louis car insurance quotes for your auto insurance coverage. There is no need to contact an agency as quotes are delivered to you instantly. Get lower rates without the usual hassles of price shopping. If for some reason you want to get a rate quote from a specific insurance company, just visit that company's website to submit a rate quote request.
Choosing the best provider needs to be determined by more than just the premium amount. Below are some questions you should ask.
- Does the agency have a good rating with the Better Business Bureau?
- How much will you save each year by using a higher deductible?
- Is the agent properly licensed in Missouri?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- How are they compensated?
Compare but don't skimp
The cheapest Toyota Prius insurance in St. Louis can be sourced both online as well as from independent agents in St. Louis, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who may not offer price quotes online and usually these regional carriers only sell through local independent agencies.
When buying insurance coverage, don't be tempted to buy less coverage just to save a little money. Too many times, someone sacrificed liability coverage limits to discover at claim time that they should have had better coverage. Your focus should be to purchase plenty of coverage at a price you can afford, but don't skip important coverages to save money.
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Who Has Cheap Car Insurance Quotes with Multiple Speeding Tickets in Missouri? (FAQ)
- What Car Insurance is Cheapest for a Learners Permit in Missouri? (FAQ)
- What is the Cheapest Car Insurance in Jefferson City, Missouri? (FAQ)
- How Much are Auto Insurance Rates for Low Income Drivers in Missouri? (FAQ)
- Who Has the Cheapest Missouri Car Insurance for Drivers Over Age 70? (FAQ)
- Which Company has the Cheapest Auto Insurance in Saint Louis, Missouri? (FAQ)
- Who Has Affordable Missouri Auto Insurance for Welfare Recipients? (FAQ)
- What Car Insurance is Cheapest for a Honda Civic in Missouri? (FAQ)
- How Much is Missouri Auto Insurance for a Toyota Tacoma? (FAQ)
- How Much is Missouri Auto Insurance for Drivers Over Age 50? (FAQ)
- How Much is Missouri Auto Insurance for a Toyota Corolla? (FAQ)
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Distracted Driving Extends Beyond Texting (State Farm)
- How to Avoid Staged Accidents (State Farm)