Prius Prime - Any Insurance savings?

Discussion in 'Prime Main Forum (2017-Current)' started by Skapruisprime, Mar 1, 2018.

  1. Skapruisprime

    Skapruisprime Member

    Joined:
    Feb 7, 2018
    122
    49
    0
    Location:
    MA
    Vehicle:
    2017 Prius Prime
    Model:
    ----USA----
    I was expecting my auto insurance to go down a couple hundred dollars per year. Well, I saved $30 per year lol

    I know this is very YMMV but Im going to call my Ins too see whats going on.

    Did you save any money on yours?
     
  2. Bob Comer

    Bob Comer Active Member

    Joined:
    Sep 20, 2010
    651
    406
    0
    Location:
    South Carolina low country
    Vehicle:
    2017 Prius Prime
    Model:
    Prime Advanced
    Mine went up $200 over my 2010 Prius's cost.
     
  3. huskers

    huskers Senior Member

    Joined:
    Aug 21, 2005
    2,475
    2,379
    0
    Location:
    Nebraska
    Vehicle:
    2017 Prius Prime
    Model:
    Prime Advanced
    The fact that it is a new concept car with so much tech and a plug in might make a difference to insurance companies. They think you might burn the house down charging.
     
    priuscatprimeguy likes this.
  4. kevins007

    kevins007 Active Member

    Joined:
    Sep 17, 2016
    116
    113
    0
    Location:
    Milwaukee
    Vehicle:
    2017 Prius Prime
    Model:
    ----USA----
    Full coverage with $250 deductible $1500 per year in Wisconsin. Excellent driving and credit. I was like
     
    deadmoney33 likes this.
  5. Skapruisprime

    Skapruisprime Member

    Joined:
    Feb 7, 2018
    122
    49
    0
    Location:
    MA
    Vehicle:
    2017 Prius Prime
    Model:
    ----USA----
    Must be that dawm carbon fiber hatch and the bubble rear glass...Ins companies know thats expensive to replace :)
     
  6. priuscatprimeguy

    priuscatprimeguy Senior Member

    Joined:
    Nov 1, 2016
    2,730
    2,625
    0
    Location:
    Farmington Hills, Michigan
    Vehicle:
    2017 Prius Prime
    Model:
    Prime Advanced
    pshaw! Michigan has the highest insurance rates in the country $980.00 per six months $1000.00 deductible. Shopped around and found that AAA is the cheapest for me:rolleyes:
     
  7. benagi

    benagi Active Member

    Joined:
    Jan 4, 2012
    481
    250
    4
    Location:
    Utah
    Vehicle:
    2017 Prius Prime
    Model:
    Prime Advanced
    I was paying $1000/ yr with Geico. Been with them for almost 10 years. They kept increasing their rates every year. I just recently switched to Liberty Mutual. Now I’m only paying $670/yr with the same coverage.
     
  8. Oniki

    Oniki Active Member

    Joined:
    Jun 10, 2017
    652
    494
    0
    Location:
    Colorado
    Vehicle:
    2017 Prius Prime
    Model:
    Prime Plus
    Colorado

    1M liability
    UM
    No Collision
    Comp w/ 5k deductible. Taken to cover severe wildlife accidents

    $400 a year
     
  9. bisco

    bisco cookie crumbler

    Joined:
    May 11, 2005
    86,343
    38,230
    0
    Location:
    boston
    Vehicle:
    2012 Prius Plug-in
    Model:
    Plug-in Base
    why would you expect a new car to have lower insurance than the car you were driving, safety features?
     
  10. I'mJp

    I'mJp Senior Member

    Joined:
    Mar 12, 2012
    625
    519
    0
    Location:
    Ma, USA
    Vehicle:
    2017 Prius Prime
    Model:
    Prime Advanced
    002 and bisco like this.
  11. Skapruisprime

    Skapruisprime Member

    Joined:
    Feb 7, 2018
    122
    49
    0
    Location:
    MA
    Vehicle:
    2017 Prius Prime
    Model:
    ----USA----
    Yea I was expecting that
     
    bisco likes this.
  12. bisco

    bisco cookie crumbler

    Joined:
    May 11, 2005
    86,343
    38,230
    0
    Location:
    boston
    Vehicle:
    2012 Prius Plug-in
    Model:
    Plug-in Base
    please let us know what they say. seems like safer cars would be saving ins. co's money.
     
  13. padroo

    padroo Senior Member

    Joined:
    Jan 11, 2008
    2,762
    2,221
    13
    Location:
    Chesterton, Indiana Another third world country.
    Vehicle:
    2016 Prius
    Model:
    Four
    You would think that but you forget they are still insurance companies.
     
    jerrymildred, pilotgrrl and Bob Comer like this.
  14. Oniki

    Oniki Active Member

    Joined:
    Jun 10, 2017
    652
    494
    0
    Location:
    Colorado
    Vehicle:
    2017 Prius Prime
    Model:
    Prime Plus
    The Prime does not have a track record, so insurance goes somewhat like this:

    Liability by car size and weight
    Comp and Collision by MSRP

    Then factor in:
    Your state and local factors
    You the driver.
     
  15. mr88cet

    mr88cet Senior Member

    Joined:
    Sep 9, 2008
    2,001
    1,166
    0
    Location:
    Austin, TX
    Vehicle:
    2017 Prius Prime
    Model:
    Prime Advanced
    I don’t have the exact numbers in front of me, but insuring our 2017 Prius Prime costs about the same as insuring my stepdaughter’s 2016 regular Prius, which in turn is somewhere around 3/4 more than insuring our 2009 Prius.

    Somebody mentioned the carbon-fiber tailgate being expensive to replace, but also, in an earlier thread, somebody else mentioned that, although the Advanced’s ultrasonic sensors reduce the chances of collisions, the sensors themselves make such a repair more expensive.

    Another “interesting” (read, “annoying”) consideration is that you having a superb driving record doesn’t stop folks with their by-definition-average driving records rear-ending you, necessitating replacement of the carbon-fiber tailgate.

    Typed by Mr88cet’s dancing thumbs
     
  16. Sid786

    Sid786 Active Member

    Joined:
    May 2, 2017
    180
    130
    0
    Location:
    Cherry Hill, NJ
    Vehicle:
    2017 Prius Prime
    Model:
    Prime Advanced
    I have the same issue with Geico, excellent history but paying $900 for 6 months. BENAGI, I did talk to progressive and they gave me a quote of $580 for 6 months, but in fineprints it was written that over $350 was for one time promotion. So next 6 months renewal will be key
     
  17. bisco

    bisco cookie crumbler

    Joined:
    May 11, 2005
    86,343
    38,230
    0
    Location:
    boston
    Vehicle:
    2012 Prius Plug-in
    Model:
    Plug-in Base
    you can never go by new customer offers. you have to talk to people who have been with a company for awhile, and get details of cars, driving histories, ages, and etc.
     
  18. padroo

    padroo Senior Member

    Joined:
    Jan 11, 2008
    2,762
    2,221
    13
    Location:
    Chesterton, Indiana Another third world country.
    Vehicle:
    2016 Prius
    Model:
    Four
    Insurance rates differ here in Indiana depending on what county you like in. We are close to Chicago, just one county west and you are in Illinois.
     
  19. PT Guy

    PT Guy Active Member

    Joined:
    Nov 23, 2016
    686
    466
    0
    Location:
    Washington, the state
    Vehicle:
    2017 Prius Prime
    Model:
    Plug-in Advanced
    Pluses include the safety features and the unlikelihood of it being stolen.
    Minuses include the cost of repair parts, likelihood of front or rear damage in case of a heavy bump.

    It is always a good idea every few years to check other insurance companies for their policy costs. I bundle the home, earthquake, umbrella, cars, rent house, and motorcycle, and ask one or two other companies to give me a price for the bundle. It is more convenient for me to have them all under one company, and discounts may apply. Safeco does OK. Amica was higher for some, lower for others, net was about the same. Farmers was higher. I'll try USAA next year.
     
    benagi and SaraBBrown94 like this.
  20. Wolfie52

    Wolfie52 Senior "Jr" Member

    Joined:
    Oct 18, 2009
    138
    112
    1
    Location:
    No. Carolina
    Vehicle:
    2017 Prius Prime
    Model:
    Plug-in Advanced
    Good luck with that. I switched to LM a few years ago when I got a similar great rate. Next renewal they upped my rates SUBSTANTIALLY claiming that something had changed in my "record". The fact was NOTHING at all had changed. No tickets, no accidents, no insurance claims of any kind, excellent credit (I even pulled my insurance score--excellent), no moves, no children born so on. This was a classic bait and switch so I bailed to Geico. Been with them now 6 years I have accident forgiveness at NO COST. My rates have been very stable ($1050/yr 2 cars, high Liability, full coverage, but no towing/rental reimburse).

    I can understand when there is an actual change which might affect your risk factor, but their action in raising my rates after a single policy period (6 months) was extremely unsatisfactory. They rely on people simply being too lazy to check their rates and make changes. I shop EVERY single renewal for homeowners and auto insurance. In 6 years I have never found a rate lower than Geico for auto ins.


     
Loading...