Want to save money and find the cheapest Toyota Prius V insurance in Lincoln? Finding the cheapest insurance for your Toyota Prius V in Nebraska can be an all-consuming task, but you can use our auto insurance buying tips to save time. There is a better way to find auto insurance online and we’ll show you the proper way to price shop coverage for your Toyota and find the best price possible from Lincoln insurance agents and online providers.
You should take the time to price shop coverage periodically since insurance rates are variable and change quite frequently. Despite the fact that you may have had the best rate on Toyota Prius V insurance in Lincoln on your last policy there may be better deals available now. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate the things you must know in order to buy cheaper Toyota Prius V insurance in Lincoln.
Buying the cheapest insurance in Lincoln is easy if you know what you’re doing. If you have a current insurance policy or just want to reduce your rates, you will benefit by learning to get lower rates without reducing protection. Comparison shoppers only need to know the fastest way to shop for insurance instantly.
Getting a cheaper price on insurance is pretty simple and can save money. All you need to do is invest a little time comparing rate quotes to discover which company has affordable Lincoln auto insurance quotes.
The providers in the list below have been selected to offer free rate quotes in Lincoln, NE. If your goal is to find the cheapest car insurance in Lincoln, we suggest you visit several of them to get a more complete price comparison.
Save a ton by getting discounts
Auto insurance is neither fun to buy or cheap, but discounts can save money and there are some available to cut the cost considerably. Many of these discounts will be applied automatically at the time of purchase, but some may not be applied and must be asked about prior to receiving the credit.
- Resident Student – College-age children who are enrolled in higher education away from home and do not have access to a covered vehicle may be insured at a cheaper rate.
- Full Payment Discount – By making one initial payment instead of making monthly payments you can actually save on your bill.
- Smart Student Discounts – Maintaining excellent grades can get you a discount of up to 25%. The good student discount can last until age 25.
- No Claims – Drivers with accident-free driving histories pay less when compared to bad drivers.
- Telematics Devices – Drivers who elect to allow their company to analyze driving manner by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease if they have good driving habits.
While discounts sound great, it’s important to understand that many deductions do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.
A partial list of companies who may offer most of the discounts above possibly include:
Before you buy a policy, ask every company which discounts you may be entitled to. All car insurance discounts may not be available in your state. To choose insurance companies that have a full spectrum of discounts in Lincoln, click here to view.
What Determines Toyota Prius V Insurance Premiums?
Many different elements are taken into consideration when premium rates are determined. A few of the factors are predictable like an MVR report, although others are not as apparent like your vehicle usage and annual miles driven.
The items below are some of the items that factor into your rates.
Save by driving less – The more you drive every year the more you’ll pay to insure it. Most companies calculate prices based on how the vehicle is used. Cars and trucks left parked in the garage get more affordable rates than vehicles that are driven to work every day. Verify your auto insurance declarations sheet is showing how each vehicle is driven, because improper ratings can cost you money. An improperly rated Prius V can result in significantly higher rates.
Save money with GPS tracking and theft deterrents – Driving a car with anti-theft technology or alarm system can help lower your premiums. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent auto theft and help lower rates.
Auto insurance lapses lead to higher premiums – Driving with no insurance is a big no-no and any future policy may cost more because you let your insurance expire. In addition to paying higher premiums, getting caught without coverage could earn you a license revocation or jail time.
Discounts for auto and home policies – Most larger auto insurance companies allow lower prices to buyers that have more than one policy such as combining an auto and homeowners policy. Even with this discount applied, it’s always a smart idea to check prices from other companies to verify if the discount is saving money.There is a chance you can save even more by insuring with multiple companies.
Insurance loss data for a Toyota Prius V – Auto insurance companies use claims history as a tool for profitable underwriting. Vehicles that the data determines to have a higher amount or frequency of claims will have higher rates.
The table below demonstrates the historical loss data for Toyota Prius V vehicles. For each coverage category, the loss probability for all vehicles, regardless of manufacturer or model, is set at 100. Numbers shown that are under 100 indicate better than average losses, while values over 100 show a trend for more claims or an increased chance of a larger loss.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Toyota Prius V Hybrid | 94 | 86 | 88 | 88 | 94 | 97 |
Statistics from IIHS.org for 2013-2015 Model Years
Don’t I need to talk to an insurance agent?
Many people still like to visit with an insurance agent and we recommend doing that Professional agents are trained risk managers and help file insurance claims. A good thing about getting online price quotes is that you can obtain the lowest rates and also buy local.
To find an agent, once you fill out this simple form, your insurance coverage information gets sent to agents in your area who will give you quotes for your insurance coverage. You won’t even need to contact any agents since rate quotes are delivered instantly to you. If for some reason you want to compare rates from a specific car insurance provider, you can always visit that company’s website and fill out their quote form.
Choosing an provider needs to be determined by more than just the price. Here are some questions you might want to ask.
- Will the agent or a CSR service your policy?
- If you raise deductibles, how much can you save?
- Are all drivers listed on the coverage quote?
- How experienced are they in personal risk management?
- Does the agency have a current Errors and Omissions policy?
If you prefer to buy car insurance from a reliable insurance agency, you need to know there are two different agency structures that differ in how they can insure your vehicles. Agencies in Lincoln can either be exclusive or independent (non-exclusive). Both types can insure your vehicles properly, but it is a good idea to know why they differ since it can affect the kind of agent you use.
Exclusive Insurance Agents
Agents that elect to be exclusive can only quote rates from one company such as Allstate and State Farm. Exclusive agents are unable to give you multiple price quotes so you need to shop around if the rates are high. They are trained well in insurance sales which aids in selling service over price. Some people will only purchase coverage from exclusives primarily because of the brand name instead of buying on price only.
The following is a short list of exclusive agencies in Lincoln who can help you get comparison quotes.
- John Curry – State Farm Insurance Agent
4640 Champlain Dr #121 – Lincoln, NE 68521 – (402) 477-8383 – View Map - Chuck Clifford III – State Farm Insurance Agent
2710 S 70th St #103 – Lincoln, NE 68506 – (402) 483-6955 – View Map - American Family Insurance – Ben Bolte Agency Inc
5815 S 58th St Ste A – Lincoln, NE 68516 – (402) 441-4222 – View Map
Independent Agencies or Brokers
Independent insurance agents are normally appointed by many insurers and that allows them to write policies with an assortment of companies and find the cheapest rate. If they find a lower price, the agent simply finds a different carrier and you stay with the same agent. If you are comparing rate quotes, we recommend you get insurance quotes from several independent insurance agents in order to compare the most rates. Many can place coverage with less well-known companies that may have much lower rates than larger companies.
The following are Lincoln independent insurance agencies that are able to give rate quotes.
- Brokers Insurance
3325 A St – Lincoln, NE 68510 – (402) 434-0480 – View Map - Ogden Insurance Agency, Inc.
8531 Lexington Ave #102a – Lincoln, NE 68505 – (402) 466-5655 – View Map - UNICO Group
1128 Lincoln Mall #200 – Lincoln, NE 68508 – (402) 434-7200 – View Map
Cheaper car insurance is out there
Consumers change insurance companies for any number of reasons including being labeled a high risk driver, denial of a claim, policy non-renewal and even an unsatisfactory settlement offer. It doesn’t matter what your reason, choosing a new company can be easier than you think.
When searching for affordable Toyota Prius V insurance quotes, do not buy less coverage just to save a little money. In many cases, consumers will sacrifice liability limits or collision coverage to discover at claim time that they should have had better coverage. The goal is to buy enough coverage at the best price while still protecting your assets.
Cost effective Toyota Prius V insurance is definitely available online and also from your neighborhood Lincoln agents, so get free Lincoln auto insurance quotes from both of them in order to have the best chance of saving money. There are still a few companies who may not offer rate quotes online and these small, regional companies only sell through local independent agents.
How to find affordable Toyota Prius V insurance in Lincoln
It takes a little time, but the best way to get the cheapest car insurance rates in Lincoln is to do a yearly price comparison from companies that insure vehicles in Nebraska.
- Step 1: It will benefit you to learn about car insurance and the steps you can take to keep rates down. Many risk factors that result in higher prices like speeding and a not-so-good credit history can be controlled by making minor changes in your lifestyle.
- Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from one company like Progressive or Farmers Insurance, while independent agents can provide price quotes for a wide range of insurance providers.
- Step 3: Compare the quotes to your current policy premium and determine if cheaper Prius V coverage is available. If you find a better price, make sure coverage does not lapse between policies.
An essential thing to point out is to compare the same deductibles and limits on each quote request and and to compare every company you can. Doing this enables a level playing field and a complete selection of prices.
Helpful articles
- Rollover Crash FAQ (iihs.org)
- What Insurance is Cheapest for Drivers Over Age 60 in Lincoln? (FAQ)
- Who Has Cheap Lincoln Car Insurance Quotes for Drivers with a DUI? (FAQ)
- How Much is Lincoln Car Insurance for Teenage Females? (FAQ)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)