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Little tidbits about the cost of insuring the Prius

Discussion in 'Fred's House of Pancakes' started by KarGrrl, Feb 14, 2007.

  1. KarGrrl

    KarGrrl New Member

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    I called my auto insurance agent this morning. I'm with Mercury and have a clean driving record and currently own a Mustang GT. The Prius will actually cost about $16 more per six month policy. He said the reason was because the chance of bodily injury in that vehicle is increased slightly and the accident repairs would be more since parts are more difficult to find than with my current vehicle. One good thing though is that it's not a high theft risk.
     
    #1 KarGrrl, Feb 14, 2007
  2. McShemp

    McShemp New Member

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    2006 Prius
    <div class='quotetop'>QUOTE(KarGrrl @ Feb 14 2007, 03:11 PM) [snapback]390421[/snapback]</div>
    You should shop around. Our insurance went down when we got our Prius, and we replaced a sports car too.
     
    #2 McShemp, Feb 14, 2007
  3. KarGrrl

    KarGrrl New Member

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    <div class='quotetop'>QUOTE(McShemp @ Feb 14 2007, 01:17 PM) [snapback]390425[/snapback]</div>

    Good point, I've been with them for 12 years. It's kinda like getting a raise, you need to change jobs in order to see a significant jump in pay otherwise you're stuck getting paid based on how you started.
     
    #3 KarGrrl, Feb 14, 2007
  4. jimmyrose

    jimmyrose Member

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    III
    This also depends on the safety options each car offers (side curtain air bags, ABS, VSC, etc.).
     
    #4 jimmyrose, Feb 14, 2007
  5. hycamguy07

    hycamguy07 New Member

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    Location:
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    I went from a saturn to the prius and My rate went down also (I have full coverage, including replacement)....
     
    #5 hycamguy07, Feb 15, 2007
  6. MegansPrius

    MegansPrius GoogleMeister, AKA bongokitty

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    Our rate went up as well (from 98 Subaru Outback to 07 Prius). We're with Allstate. Need to shop for some different insurance.
     
    #6 MegansPrius, Feb 15, 2007
  7. vuapplepudding

    vuapplepudding New Member

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    <div class='quotetop'>QUOTE(KarGrrl @ Feb 14 2007, 03:11 PM) [snapback]390421[/snapback]</div>
    KarGrr,

    I am with State Farm and I traded my 2001 Kia Optima (blue book of < $6,000) for my 2006 PRIUS.

    I kept the same coverage ($500 deductible) and only paying an extra $10 every six months. Not bad my opinion for an upgrade.

    Do more searching. It also depends on the year of your vehicle. If it is a 1985 Mustang then it makes sense that your insurance will be higher.

    Check the blue book value of your mustang and compare that to the blue book of the PRIUS.
     
    #7 vuapplepudding, Feb 15, 2007
  8. burritos

    burritos Senior Member

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    <div class='quotetop'>QUOTE(KarGrrl @ Feb 14 2007, 04:11 PM) [snapback]390421[/snapback]</div>
    The prius was our third car. Because it was to replace my wife's 2003 350Z miles, total rate for three cars went unchanged compared to just our 2 cars when the Z was my wife's commuter car. We have AAA.
     
    #8 burritos, Feb 15, 2007
  9. ohgreys

    ohgreys New Member

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    Our '06 Prius replaced an '03 Grand Am. We are with State Farm and our insurance went decreased by about $8 per month.
     
    #9 ohgreys, Feb 16, 2007
  10. sbradyny

    sbradyny New Member

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    If you have Traveler's Insurance in your area, they offer a 10% discount for any Hybrid.
    Good luck.
     
    #10 sbradyny, Feb 17, 2007
  11. EricGo

    EricGo New Member

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    Our 04 Prius and 96 Subaru are charged the same for identical liability coverages through Amica.

    Comp on the Prius with a $500 deductible is $30/month, but note this is very locality and driver record dependent.

    There is no way in hell a Prius should cost the same as Mustang. Dump them !

    btw, your agent was blowing smoke regarding the car safety. From IIHS:
    http://www.iihs.org/ratings/rating.aspx?id=641
     
    #11 EricGo, Feb 17, 2007
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