Would you like to buy low-cost Toyota Prius insurance in Baltimore? Nobody I know rejoices having to buy car insurance, especially when they are aware that they could find better rates elsewhere.
It's astonishing, but 70% of consumers have purchased from the same company for a minimum of four years, and approximately 38% of consumers have never compared quotes from other companies. Most drivers in Maryland could cut their rates by 55% a year by just comparing quotes, but they don't know how much they could save if they replace their high priced policy.
Vehicle owners have so many insurance companies to purchase coverage from, and though it is a good thing to be able to choose, having more auto insurance companies makes it harder to compare rates and cut insurance costs.
When shopping for affordable Toyota Prius insurance quotes, there are a couple of ways to obtain and compare prices from insurance companies in your area. The best method to find the lowest Toyota Prius rates is to perform an online rate comparison.
Getting free price quotes online is quite simple, and it replaces the need to drive around to local Baltimore insurance agencies. The internet reduces the need to sit down with an agent unless your situation requires the professional advice of a licensed agent. Some companies do allow you to get the lowest quotes online and get advice from an agent in your area. When price shopping your coverage, making a lot of price comparisons provides better odds of finding the best price.
The following companies can provide price comparisons in Maryland. If the list has multiple companies, we recommend you get price quotes from several of them to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Maryland minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Rate information does not factor in specific garaging location which can increase or decrease rates significantly.
Rate increases following a ticket or accident
The example below shows how violations and at-fault accidents can affect Toyota Prius insurance rates for different age groups. The costs are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.
Physical damage deductible comparison
The diagram below demonstrates how deductible levels and can affect Toyota Prius insurance prices for different age groups. The information is based on a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.
Premiums by gender and age
The diagram below shows the difference between Toyota Prius annual premium costs for male and female drivers. The premiums are based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, marital status is single, and no discounts are taken into consideration.
Do I just need basic coverages?
When quoting and comparing coverage for your personal vehicles, there really is not a "perfect" insurance plan. Every situation is different.
Here are some questions about coverages that might help in determining if your situation may require specific advice.
- Will my insurance pay for OEM parts?
- Why do I have to buy liability insurance?
- Is my dog or cat covered if injured in an accident?
- Is pleasure use cheaper than using my Toyota Prius to commute?
- Why am I required to buy high-risk coverage?
- Should I have combined single limit or split liability limits?
- Is my teenager covered with friends in the car?
If you can't answer these questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form.
When to have guidance from a local insurance agent
A small number of people still like to visit with an insurance agent and doing so can bring peace of mind An additional benefit of getting online price quotes is you can get lower prices and still have a local agent.
By using this short form, your insurance coverage information is sent to local insurance agents who can give free rate quotes and help you find cheaper coverage. You won't even need to contact any agents since rate quotes are delivered to you instantly. It's the lowest rates AND a local agent. If you wish to quote rates from a specific car insurance provider, you would need to find their quoting web page and submit a quote form there.
Finding the right provider should include more criteria than just the bottom line cost. Any agent in Baltimore should have no problem answering these questions:
- How would your car be valued if totalled?
- How long has the business existed?
- Can they help ensure a fair claim settlement?
- How often do they review policy coverages?
- Is the quote a firm price?
- Do they offer rental car reimbursement?
If you want to buy car insurance from an insurance agent, there are a couple of different types of agents and how they differ in how they quote coverages. Baltimore agents can either be exclusive or independent (non-exclusive).
Exclusive Car Insurance Agents
Exclusive insurance agents can only provide pricing for a single company and some examples include AAA, Allstate, and State Farm. These agents are not able to give you multiple price quotes so they are skilled at selling on more than just price. Exclusive agencies are very knowledgeable on what they offer which helps them sell on service rather than price.
Listed below is a list of exclusive agents in Baltimore who can help you get rate quotes.
Independent Insurance Agents
Independent insurance agents are normally appointed by many insurers so they can insure your vehicles amongst many companies and help determine which has the cheapest rates. To move your coverage to a new company, your policy is moved internally which requires no work on your part. When searching for an agent, it's a good idea to get some free quotes from several independent agencies so that you have a good selection of quotes to compare.
Shown below is a short list of independent agencies in Baltimore that are able to give price quotes.