The title of this post is a direct quote from my insurance agent. I just bought a Toyota Prius and the insurance is actually lower than it was for my previous car (Chevy Impala). She couldn't imagine how any reputable insurance agent would say what this one did. Also asked our local fire department, and he said hybrid cars are no problem for them. Yes, the procedure is slightly different if a hybrid car is in an accident, he said, but it's no harder than dealing with any other car. Get a new insurance agent, and get your hybrid.