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Insurance how to get a better rate

Discussion in 'Gen 4 Prius Main Forum' started by Pulse07, Feb 24, 2020.

  1. Pulse07

    Pulse07 Active Member

    Joined:
    Feb 24, 2020
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    Location:
    East Bay, California
    Vehicle:
    2020 Prius
    Model:
    XLE AWD-e
    Hi everyone, long time lurker and I've been considering to trade in a '14 Honda Accord for a new Prius XLE. I test drove one the other day and went over some numbers with the dealer and was highly considering to trade in. But insurance is what turned me away. I have shopped all the name brands (AAA, Geico, State Farm, Farmers etc.) and also smaller companies and this is just way too much, its about $800 premium increase over my 14 accord. And even setting it at CA state minimum insurance with $2000 deductible for both collision and comprehensive, is still over (not by a lot) what I pay currently for my accord. Oh well, me owning a Prius is not meant to be.:(. 28 y/o male spotless record, 0 tickets. What the best way to get cheaper insurance?
     
    #1 Pulse07, Feb 24, 2020
    Merkey likes this.
  2. kithmo

    kithmo Couch Potato

    Joined:
    Apr 25, 2010
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    Location:
    South Yorkshire, UK
    Vehicle:
    2016 Prius
    Is it cheaper anywhere with a telematics box fitted ?
     
    #2 kithmo, Feb 24, 2020
  3. CooCooCaChoo

    CooCooCaChoo Senior Member

    Joined:
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    Location:
    Cow-lee-fornia
    Vehicle:
    2023 Prius
    Model:
    LE
    Paying $160/month here with $1000 deductible. Are you on your own insurance policy or on your parents? Usually it takes time for rates to go down.
     
    #3 CooCooCaChoo, Feb 24, 2020
  4. Pulse07

    Pulse07 Active Member

    Joined:
    Feb 24, 2020
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    Location:
    East Bay, California
    Vehicle:
    2020 Prius
    Model:
    XLE AWD-e
    I wasn't sure what that was, but I selected "yes" to basically all the quotes that offered it.

    Im going to be own my own. my parents have passed.
     
    #4 Pulse07, Feb 24, 2020
  5. alanclarkeau

    alanclarkeau Senior Member

    Joined:
    Feb 24, 2016
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    Location:
    near Brisbane, Australia
    Vehicle:
    2016 Prius
    Model:
    N/A
    Check GOOGLE - some insurance companies might have a link to information.
    upload_2020-2-25_17-13-9.png

    A PRIUS has 2 recording devices built in, but I think Insurance insists on one which they have full access to.
     
    #5 alanclarkeau, Feb 25, 2020
  6. Prodigyplace

    Prodigyplace 2025 Camry XLE FWD

    Joined:
    Nov 1, 2016
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    Location:
    Central Virginia
    Vehicle:
    Other Hybrid
    Model:
    XLE
    Check with an independent insurance agent. They can get quotes from multiple companies for the best rate and they want your business.
     
    #6 Prodigyplace, Feb 25, 2020
  7. NinnJinn

    NinnJinn Member

    Joined:
    Aug 1, 2011
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    Location:
    Indiana
    Vehicle:
    2008 Prius
    Model:
    N/A
    Wow! And I was thinking my 2016 4 touring quote of $137/month was high... and that was for $250 collision and $0 comprehensive deductibles.
     
    #7 NinnJinn, Feb 25, 2020
  8. Pulse07

    Pulse07 Active Member

    Joined:
    Feb 24, 2020
    273
    139
    0
    Location:
    East Bay, California
    Vehicle:
    2020 Prius
    Model:
    XLE AWD-e
    I have to make my Collision and Comprensive to be $2000 to be $150 a month,...
     
    #8 Pulse07, Feb 25, 2020
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