Insurance rates for Prius?

Judd · 04-03-2005, 04:03 PM

Are there any insurance companies that rate the Prius better than others?

I expect my '05 silver pkg. 4 this week, and my current company - Farmers - says that they have no discounts for having a VSC or for the virtually theft-proof ignition system.

Any national companies out there who do? I'm trying to decide where to get other quotes for comparison.

DanP · 04-03-2005, 04:25 PM

I'm not getting a discount for any of the items you named, but we are all well-advised to shop around for car insurance, which can vary quite a bit for the same driver. As I recall, Farmers is among the most expensive insurers. You might not get a VSC discount with your new company, but you might get a non-Farmers discount. :-)

V8Cobrakid · 04-03-2005, 05:35 PM

:iagree: no discounts here. I had to switch to 21st century. I still pay way too much though.

teeball · 04-03-2005, 05:38 PM

I was driving a 2000 GMC Jimmy 2-door and moved my policy to my 2005 Prius BC. I got a check back from the insurance company for $149. Needless to say that made my day. The policy was only a month old and paid for the whole year.

Happy Drivin

V8Cobrakid · 04-03-2005, 05:55 PM

i hate being only 21 with two moving violations on my record. (both when i first got my license. Non since. My insurance is almost 3k for the year.

galaxee · 04-03-2005, 06:44 PM

I go through Progressive. I don't like them but I got the best rate through their company.

Premium for brand new 05 Prius (full coverage/500 deductible): ~$500/6months
with multi car discount and airbag discount (no others offered)
2 drivers, married
22 y/o female, clean record
26 y/o male, 1 point on d/l

Rates also depend on where you live, etc.

Good luck!

paprius4030 · 04-03-2005, 06:45 PM

I have Erie Insurance and get discount for anti theft systems and air bags, and anti lock brakes. Just got my renewal and it's $843 for the year.

Tadashi · 04-03-2005, 10:07 PM

I pay $378 through USAA every 6 months (for military for family members/relatives of military members). I get a defensive driver's discount (took a def driving class), discount for the alarm and kill switch, safety discount for all the air bags and stuff. That is with the $500 deductible on physical damage and $250 on property loss (up to $25k). Liability up to $500k, Bodily injury up to $500k.

V8Cobrakid · 04-03-2005, 10:16 PM

defensive driving course.. where can i find that? maybe it will help... although i feel i could teach that.. i defend myself from accidents all the time.

no offense people.. but everyone i meet in this bar area drives like crap. hybrid owners are the only good ones. if slow. keep to the right.. not all the way to the right.. that's used for merging and such.. good.. stay 1 lane over.. no.. no.. NO.. not the fast lane.. NO.. no 65 in the fast lane!... (watch as traffic builds in the fast lane)... awww.. not again!..

lol

Tadashi · 04-03-2005, 10:34 PM

Well, all military installations have it for their drivers (mandatory) and free. However, my coworker is going to a comedy club driving course instead. I think she has to pay $40 and you get food, and an 8 hour class with added humor. My class was a test in my ability to stay awake. :P I was always a defensive driver but now after taking that couse I realize how bad some others can be. Check the phone book. The comedy club one counts towards discount but not toward class if you got a speeding ticket.

04-03-2005, 04:03 PM	#1
Judd Join Date: Mar 2005 Location: Boulder, CO Posts: 1 My Car: Package: Nominated 0 Times in 0 Posts TOTM Awards: 0 Friends: 0	Insurance rates for Prius? Are there any insurance companies that rate the Prius better than others? I expect my '05 silver pkg. 4 this week, and my current company - Farmers - says that they have no discounts for having a VSC or for the virtually theft-proof ignition system. Any national companies out there who do? I'm trying to decide where to get other quotes for comparison.

04-03-2005, 05:38 PM	#4
teeball Join Date: Mar 2005 Location: Northern Indiana Posts: 8 My Car: Package: Nominated 0 Times in 0 Posts TOTM Awards: 0 Friends: 0	Re: Insurance rates for Prius? I was driving a 2000 GMC Jimmy 2-door and moved my policy to my 2005 Prius BC. I got a check back from the insurance company for $149. Needless to say that made my day. The policy was only a month old and paid for the whole year. Happy Drivin

04-03-2005, 06:44 PM	#6
galaxee running WOT until out of fuel Join Date: Mar 2005 Location: central NC/ western WI Posts: 9,075 My Car: 2005 Prius Package: #5 Nominated 5 Times in 3 Posts TOTM Awards: 0 Friends: 21	Re: Insurance rates for Prius? I go through Progressive. I don't like them but I got the best rate through their company. Premium for brand new 05 Prius (full coverage/500 deductible): ~$500/6months with multi car discount and airbag discount (no others offered) 2 drivers, married 22 y/o female, clean record 26 y/o male, 1 point on d/l Rates also depend on where you live, etc. Good luck!

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04-03-2005, 04:25 PM	#2
DanP Senior Member Join Date: Jan 2005 Posts: 252 My Car: Package: Nominated 0 Times in 0 Posts TOTM Awards: 0 Friends: 0	I'm not getting a discount for any of the items you named, but we are all well-advised to shop around for car insurance, which can vary quite a bit for the same driver. As I recall, Farmers is among the most expensive insurers. You might not get a VSC discount with your new company, but you might get a non-Farmers discount. :-)

04-03-2005, 05:35 PM	#3
V8Cobrakid some guy... Join Date: Jun 2004 Location: San Jose, CA Posts: 2,559 My Car: 2004 Prius Package: #9 Nominated 0 Times in 0 Posts TOTM Awards: 0 Friends: 5	:iagree: no discounts here. I had to switch to 21st century. I still pay way too much though.

04-03-2005, 05:55 PM	#5
V8Cobrakid some guy... Join Date: Jun 2004 Location: San Jose, CA Posts: 2,559 My Car: 2004 Prius Package: #9 Nominated 0 Times in 0 Posts TOTM Awards: 0 Friends: 5	i hate being only 21 with two moving violations on my record. (both when i first got my license. Non since. My insurance is almost 3k for the year.

04-03-2005, 06:45 PM	#7
paprius4030 Senior Member Join Date: Aug 2004 Location: Pocono's, Pa. Posts: 1,046 My Car: 2008 Prius Package: #2 Nominated 0 Times in 0 Posts TOTM Awards: 0 Friends: 1	I have Erie Insurance and get discount for anti theft systems and air bags, and anti lock brakes. Just got my renewal and it's $843 for the year.

04-03-2005, 10:07 PM	#8
Tadashi Senior Member Join Date: Feb 2005 Location: Fort Hood, TX Posts: 794 My Car: Package: Nominated 0 Times in 0 Posts TOTM Awards: 0 Friends: 0	I pay $378 through USAA every 6 months (for military for family members/relatives of military members). I get a defensive driver's discount (took a def driving class), discount for the alarm and kill switch, safety discount for all the air bags and stuff. That is with the $500 deductible on physical damage and $250 on property loss (up to $25k). Liability up to $500k, Bodily injury up to $500k.

04-03-2005, 10:16 PM	#9
V8Cobrakid some guy... Join Date: Jun 2004 Location: San Jose, CA Posts: 2,559 My Car: 2004 Prius Package: #9 Nominated 0 Times in 0 Posts TOTM Awards: 0 Friends: 5	defensive driving course.. where can i find that? maybe it will help... although i feel i could teach that.. i defend myself from accidents all the time. no offense people.. but everyone i meet in this bar area drives like crap. hybrid owners are the only good ones. if slow. keep to the right.. not all the way to the right.. that's used for merging and such.. good.. stay 1 lane over.. no.. no.. NO.. not the fast lane.. NO.. no 65 in the fast lane!... (watch as traffic builds in the fast lane)... awww.. not again!.. lol

04-03-2005, 10:34 PM	#10
Tadashi Senior Member Join Date: Feb 2005 Location: Fort Hood, TX Posts: 794 My Car: Package: Nominated 0 Times in 0 Posts TOTM Awards: 0 Friends: 0	Well, all military installations have it for their drivers (mandatory) and free. However, my coworker is going to a comedy club driving course instead. I think she has to pay $40 and you get food, and an 8 hour class with added humor. My class was a test in my ability to stay awake. :P I was always a defensive driver but now after taking that couse I realize how bad some others can be. Check the phone book. The comedy club one counts towards discount but not toward class if you got a speeding ticket.