Car Insurance

Discussion in 'Gen 2 Prius Main Forum' started by footprintx, Oct 8, 2008.

  1. footprintx

    footprintx New Member

    Joined:
    May 3, 2008
    38
    1
    0
    Location:
    Riverside, CA
    Vehicle:
    2004 Prius
    I know rates will vary a lot based on who you are, where you are, etc, but ...

    How much are you paying for car insurance?
    From whom?

    If you feel comfortable leaving pertinent information like "I've crashed 7 times in 2 weeks and they were all my fault!" or "I'm 16 and already have 5 tickets, wee!" or "I'm 120 and haven't had a ticket in over a century!" that'd be helpful too.

    Just trying to get a good idea, as it still seems like the Prius is one of the most expensive cars to get insurance for.
     
  2. qbee42

    qbee42 My other car is a boat

    Joined:
    Mar 2, 2006
    18,058
    3,036
    7
    Location:
    Northern Michigan
    Vehicle:
    2006 Prius
    The insurance for our Prius was less than a comparable ordinary car. I was pleasantly surprised. Our auto insurance is through Horrace Mann. I don't recall what we pay, but I can look it up.

    Tom
     
  3. Betelgeuse

    Betelgeuse Active Member

    Joined:
    Oct 11, 2005
    1,460
    24
    1
    Location:
    New York, NY, USA
    Vehicle:
    2005 Prius
    Model:
    N/A
    Insurance varies widely state by state (and even region by region within states), so numbers from people in Southern CA are probably the most useful to you.

    MA is different from every other state in the nation when it comes to car insurance (although it's taking steps towards more of a "normal" market), but we pay ~$900/year for two 30 year olds with one significant accident ~2 years ago.
     
  4. rigormortis

    rigormortis Active Member

    Joined:
    Feb 14, 2007
    1,340
    24
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    Location:
    san jose, ca
    Vehicle:
    2007 Prius
    shopping around it looks like esurance and travelers insurance are towards the cheap end, i use wawanesa, i heard about it on prius chat. its only available in california and oregon, and canada. its one of the few insurance companies left that will write policies for a year and not six months

    wawa does not cover mexico and does not offer gap

    if you are in southern california, progressive might be a good idea. they have commercials for this convergence center you take your crashed car to and they take it off your hands and give you a rental right there, there are not a lot of actual convergence centers, but they do have one in southern california
     
  5. jelloslug

    jelloslug It buffed right out!

    Joined:
    Jun 11, 2008
    813
    47
    0
    Location:
    Greenville, SC
    Vehicle:
    2008 Prius
    We have full coverage with a low deductible and extra liability coverage and it runs $250 every 6 months. That's over $50 less than the Neon it replaced. We are both over 30 and have not had accidents in the last 10+ years. We also have homeowners insurance with the same company.
     
  6. Betelgeuse

    Betelgeuse Active Member

    Joined:
    Oct 11, 2005
    1,460
    24
    1
    Location:
    New York, NY, USA
    Vehicle:
    2005 Prius
    Model:
    N/A
    Wow. We need to move to SC :)
     
  7. paprius4030

    paprius4030 My first Prius

    Joined:
    Aug 12, 2004
    2,075
    288
    0
    Location:
    Ormond Beach,Fl.
    Vehicle:
    2012 Prius
    Model:
    Two
    We pay $802 a year with $500,000.00 liability and of course comp. and collision. We're with Erie Insurance Group.
     
  8. bbald123

    bbald123 Thermodynamics Law Enforcement

    Joined:
    Nov 13, 2007
    386
    269
    0
    Location:
    Harrisburg, PA
    Vehicle:
    2016 Prius
    Model:
    Four
    I'm with LibMut in the Harrisburg, PA area. For collision, I pay $250 per year on each of my two Jeeps and $650 per year for my 2008 Prius.
     
  9. wchardin

    wchardin Senior Member

    Joined:
    Mar 16, 2008
    2,055
    3
    0
    Location:
    Nashville, TN
    Vehicle:
    2008 Prius
    Model:
    ----USA----
    I pay 550 every six months, full coverage, $500 deductible. State Farm Insurance.
     
  10. jelloslug

    jelloslug It buffed right out!

    Joined:
    Jun 11, 2008
    813
    47
    0
    Location:
    Greenville, SC
    Vehicle:
    2008 Prius
    Everything is cheaper here. :D
     
  11. carz89

    carz89 I study nuclear science...

    Joined:
    Apr 1, 2008
    444
    46
    0
    Location:
    San Diego
    Vehicle:
    2006 Prius
    Model:
    N/A
    USAA -- if you are eligible.

    There are probably too many variables to compare one person to the next (location, age and record the most variable), but here's what my experience has been...

    Every couple years I humor myself and get quotes from many insurance companies for my exact situation, and every time, my existing insurance company (USAA) ends up being over $100 cheaper (per 6 months) than ANYTHING else out there. Plus, I get on average $100 back each year depending on the surplus in the company's budget. All profits go back to the customers.

    I pay $500 (per 6 months) to insure a 2006 Prius and a 2006 Hybrid Highlander in San Diego, two 40-something-y-o drivers with very good records. $1000 collision deductible on each vehicle.

    Unfortunately, USAA caters to a narrow, low-risk, conservative-driving clientele. Current and former military or family members are just about the only ones they insure.
     
  12. brick

    brick Active Member

    Joined:
    Dec 10, 2006
    1,083
    76
    0
    Location:
    Upstate NY
    Vehicle:
    Other Non-Hybrid
    Model:
    N/A
    I pay about $500 every 6 months, but I'm also a 26 year old male. My rate actually went down a few dollars when I traded in my 2002 Accord for the Prius.
     
  13. 4G63

    4G63 I quit boosting

    Joined:
    Feb 4, 2008
    147
    2
    0
    Location:
    Aurora, IL
    Vehicle:
    2008 Prius
    we're paying $600+ for the prius and $700+ for the civic hybrid every 6 months. i used to drive an evolution and i only paid $420 every 6 months with the same coverage... both from allstate. unbelievable.
     
  14. kazots

    kazots LifesaBeach

    Joined:
    Apr 10, 2008
    262
    0
    0
    Location:
    CALIFORNIA
    Vehicle:
    2008 Prius
    I'm in California and with State Farm. When I bought my Prius my insurance was less than the pickup truck I was driving.
     
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