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Insurance on the c

Discussion in 'Prius c Main Forum' started by markabele, Mar 26, 2013.

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  1. markabele

    markabele owner of PiP, then Leaf, then Model 3

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    What have most of you been paying for insurance? And where at?
     
    #1 markabele, Mar 26, 2013
  2. ztanos

    ztanos All-around Geek!

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    $716/ year Cincinatti insurance
     
    #2 ztanos, Mar 26, 2013
  3. Dogwood2

    Dogwood2 Member

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    Does anyone know if you get an insurance discount for adding the "Vehicle Intrusion Protection" system? I figure that probably gets some credit.
     
    #3 Dogwood2, Mar 26, 2013
  4. markabele

    markabele owner of PiP, then Leaf, then Model 3

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    wow, I paid around $400 per year with Geico for my GenIII.
     
    #4 markabele, Mar 26, 2013
  5. RocMills

    RocMills Active Member

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    I pay around a hundred a month, but I have full uber coverage and multiple drivers. State Farm, been with them... golly, for about as long as I can remember. 20 years?
     
    #5 RocMills, Mar 26, 2013
  6. wjtracy

    wjtracy Senior Member

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    #6 wjtracy, Mar 26, 2013
  7. RocMills

    RocMills Active Member

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    #7 RocMills, Mar 26, 2013
  8. wjtracy

    wjtracy Senior Member

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    Go down to the blue box with this text:



    Check out average insurance rates for your 2013 car

    Annual rates for 750+ models!

    They have Prius c v and Plug-IN
     
    #8 wjtracy, Mar 26, 2013
  9. RocMills

    RocMills Active Member

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    It wasn't a matter of them not having the car listed, nothing happened when I tried to "retrieve" my quotes.
     
    #9 RocMills, Mar 26, 2013
  10. 2k12PriusC3

    2k12PriusC3 50 MPG... HOORAYYY!!!

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    I pay 397 every 6 months or 794/year in Raleigh,NC. I'm a 24 yr old male with no accidents or tickets and full coverage from Nationwide.
     
    #10 2k12PriusC3, Mar 26, 2013
  11. markabele

    markabele owner of PiP, then Leaf, then Model 3

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    That's not terrible. It should come down some more when you hit 25 I think.
     
    #11 markabele, Mar 26, 2013
  12. Rob.au

    Rob.au Active Member

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    Probably meaningless because I'm down here and who knows how our insurance products compare but my coming comprehensive insurance renewal is equal to about US$1100 on the current exchange rate. Just did a few quick quotes online and haven't found anything lower.

    This doesn't include the third party personal injury insurance we have to buy to complete our registration. Mine's not due now but current quotes would see that costing about US$530.

    This is without a relevant accident history, loyalty recognition and a single driver (and it's not like I'm that young any more). I thought you guys were meant to have the crazy-high insurance because of your super expensive legal and medical systems. :sick:

    Probably doesn't help that our purchase price for the car is waaaay more.
     
    #12 Rob.au, Mar 27, 2013
  13. ztanos

    ztanos All-around Geek!

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    Was this full coverage with multiple drivers?
     
    #13 ztanos, Mar 27, 2013
  14. markabele

    markabele owner of PiP, then Leaf, then Model 3

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    yes
     
    #14 markabele, Mar 27, 2013
  15. ztanos

    ztanos All-around Geek!

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    $34/month is extremely cheap for full coverage... well done.
     
    #15 ztanos, Mar 27, 2013
  16. markabele

    markabele owner of PiP, then Leaf, then Model 3

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    From most people that get quotes from them I have heard Geico is usually the cheapest or at least very close. And by full coverage are you meaning $0 deductible?
     
    #16 markabele, Mar 27, 2013
  17. RocMills

    RocMills Active Member

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    That's the trouble with generic insurance quotes... there are too many variables. How high is the deductible? How high are the coverage limits (this one is pretty important)? Personal injury coverage? Property damage coverage? Uninsured motorist coverage? Multiple driver or any-car-I-drive coverage? There is such a huge difference between basic or minimum required by law and best-most-money-can-buy.
     
    #17 RocMills, Mar 27, 2013
    vernon birdman likes this.
  18. Jake123

    Jake123 Junior Member

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    $715/year from Safety Insurance (Massachusetts insurance through my local insurance agency). I could get cheaper but it's easier when you have to make a claim and they take care of everything.
     
    #18 Jake123, Mar 27, 2013
  19. markabele

    markabele owner of PiP, then Leaf, then Model 3

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    I totally agree with you guys that you get what you pay for. However you have to understand the fundamental truth of insurance is that it's a gamble. By paying money you are actually betting that you get into an accident. Now obviously we don't want this, but unfortunately there lies the rub with insurance.

    Another way to look at it, if in fact you believe what I stated above. If you believe the insurance company makes money on your policy then it is no different than a casino that has a house edge. Most people understand that you lose the least at a casino by betting the least. I have the same philosophy in insurance.

    Now obviously some people want to pay for peace of mind, and that is fine. And I'm definitely not saying you should pay for the absolute minimum, in most situations that's not smart either.

    Basically I'm just sharing some of my thoughts on insurance, haha.
     
    #19 markabele, Mar 27, 2013
  20. RocMills

    RocMills Active Member

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    Having been the victim (not the cause) of close to a dozen accidents in my 30+ years of driving, I have learned the hard way that it is much better to have insurance than not. And that it is much better to have insurance with a known, reputable firm with a reputation for not refusing to pay out when the time comes. I know some people who have never had so much as a shopping cart crash into them... and for them, insurance probably seems like a total waste.

    As for insurance being a gamble... close, but not quite. If you have (proper) insurance and are in a wreck, you will be compensated by the insurance company - that's a guarantee, that's what you pay for. At a casino, you could gamble your money day after day, week after week after year and never get paid... because there is no guarantee, no insurance against your losses.
     
    #20 RocMills, Mar 27, 2013
    JMD and Netineti like this.
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