Prius Insurance Rates?

No.

 

<div class='quotetop'>QUOTE(Husker4theSpurs @ Apr 20 2007, 03:19 PM) [snapback]426989[/snapback]</div>

We are with state farm Ins. and with the Prius New 07 our ins. premium dropped by $83.00 a yr.
other car was a 95 jeep G. cherokee 4x4 Laredo boring Pearl White.
I'm ok with that

 

<div class='quotetop'>QUOTE(Husker4theSpurs @ Apr 20 2007, 04:19 PM) [snapback]426989[/snapback]</div>

Mines about $30 more a month for full and near maximum coverage, but i'm 21 and was previously driving a '95 Corolla with the least amount of coverage. I use esurance right now, I was using Viking before. It doesn't matter what car I get, insurance companies are always going to try and screw me over, until I magically become a better driver at 25.

 

Esurance gave me a discount for having a Hybrid. 28 years old, 1 accident in Los Angeles.

 

<div class='quotetop'>QUOTE(Husker4theSpurs @ Apr 20 2007, 04:19 PM) [snapback]426989[/snapback]</div>

The only way to compare is to call the company or go to their website and key in enough personal information and the two cars you want to compare. IMO too many variables to account for.

 

That was one of my concerns too, but there doesn't seem to be any added insurance rate because of the hybrid. I checked before I purchased. Mine only went up slightly ($49.00/yr), due to new model year, over an 06 CRV. All of the saftey features on Prius should help the reduce the rate.

 

<div class='quotetop'>QUOTE(Husker4theSpurs @ Apr 20 2007, 03:19 PM) [snapback]426989[/snapback]</div>

I traded in a '98 Subaru Legacy in bad shape for my new 2007 Prius. My Prius insurance is only about $20 more than the Subaru, with State Farm. Not bad for insurance on a $3500 car vs a $23000 car. Rates might be low on Prii because they're darn near impossible to steal (we're not far from the Mexican border!) and Prius drivers by nature drive conservatively. And, what teenager wants to be seen driving one? Looking around at other Prius drivers, most have gray hair (not me, only my beard is gray :huh: )

 

Our 2006 Prius replaced a 2003 Grand Am. The insurance went down something like $96 a year.

 

Well, my '02 Prius replaced a '99 Isuzu Rodeo, cause it got totaled. With me being 19 at the time, the Prius being a newer model, with me going from an SUV to a sedan, etc.. my insurance went up a bit. I'm not sure how much exactly, but it wasn't even $100 more.

I hate driving in Atlanta, or any big city for the matter.

 

<div class='quotetop'>QUOTE(abq sfr @ Apr 21 2007, 01:43 PM) [snapback]427370[/snapback]</div>

I take a little offense to that. I was a Senior in high school when I wanted to buy a Prius (2002/2003), and I saved and saved til i could find a good deal at 21. From my point of view, what teenager woudln't want to be seen in one? They're new technology, and out of the ordinary looking cars, teens like that kind of stuff. Maybe you're just getting a little old and out of touch .

 

Traveler's Insurance offers a 10% hybrid discount just for it being a hybrid. In addition they add on all other customary discounts such as antilock brakes, supplemental airbags, side curtain airbags, stability control, antitheft features. With a brand new Prius, my insurance premiums are about the same that I paid with the same insurer on an 11 year old Bonneville SSE. I bought both cars brand new and they both were the same price. While the Prius isn't as comfortable on long trips as the Bonneville, I like the car and find it to be similar in many notable ways. The Bonneville had a 'heads-up' display and where the Prius speedometer is placed is pretty close to a heads-up. The Bonneville was quiet and had a smooth ride. The Prius does as well. The Bonneville handled just fine in northern NY snow. The Prius handles fine in snow as well...just drives a bit differently with the traction control than many other cars. Big difference is, the Bonneville cost me about $120.00 per month for gas (with the old pricing) and even with today's pricing, I only spend about $40.00 per month for fuel.

 

<div class='quotetop'>QUOTE(mywhitenoise @ Apr 21 2007, 03:46 PM) [snapback]427438[/snapback]</div>

I have as my example of younger desires my own two boys.... ages 20 and 23. They'd much rather have a WRX STI or turbo Legacy than a Prius (but they did insist on driving it right away when I brought it home). No offense intended, just an apparently inacurate generalization based on personal observations. Also, since I bought mine, I now notice who is driving Prii locally... few appear less than 50, even fewer less than 40. OK, now time for all of you less than 40 to chime in. We could have an age poll if the women would answer accurately. Lets see, how many age groups and genders can I get riled up?

 

OK, I found the poll (yes, the search button). Most owners are 46-55 years old, male.
http://priuschat.com/index.php?showtopic=30587&st=
You can make your own generalizations from this. The population pyramid peaks at 46-55.

 

Why would being a hybrid make insurance rate higher? It is a car that drives like a car, nothing special about it. It is costing me less on the Prius than the 98 Exploder we had. Insurance companies dont look at the technology of the car unless it is safety related, IE Ant lock brakes, ESP, Airbags, theft control, etc, things that help reduce the chances of a claim. Whatever is under the hood, unless it is high performance (that is something they do care about), the rates shouldnt be high, especially since it really isnt a very fast car, and that is actually a plus for it. Bottom line, insurance on the Prius should not be any higher than on a similiar size and HP rated car.

 

I went from a 99 Subaru Legacy wagon that got totalled in a wreck (that the other party was responsible for) to a 2007 Prius and my full-coverage insurance only went up $20 a month.

I was expecting a much bigger jump.

 

<div class='quotetop'>QUOTE(abq sfr @ Apr 21 2007, 10:25 PM) [snapback]427596[/snapback]</div>

Well you're absolutey right, most owners are a lot older...because how many people under 25 can afford a $26,000 car? Which brings up another point, a teen is happy to be seen in any car...as long as it's not a mini-van (but even those people make fun out of it by claiming it's for partys ). I remember my Junior year of high school, I thought my friends with the Ford Taurus' and Escort wagons were bad nice person, and this iis coming from someone who generally hates American cars.

 

My 2010 Prius cost $30/MO more than my 2000 LeSabre, and $20 more than my 2007 Avalon. The crash injury results are good, so it has to be the high cost of repairs. I.E. if the bumpers are hit, the replacements don't come prepainted adding $500 to the repair cost.

 

My 2010 Prius 4 is about $5MO more expensive than the 2007 Lexus IS350 it replaced

 

46.00 a month full coverage, Statefarm