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I'd just point out that something like a plug-in Prius (Prime) in principle isn't more complex than its hybrid counterpart. It's the same drive train with a larger battery and onboard charger. Reliability should be similar to that of a hybrid.
The way to save on insurance is to switch every couple years to get the new customer discounts. Pain in the butt, but with everything online these days can be accomplished in 45min.
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