I have a 2003 Prius, this was (i believe) either the 2nd or 3rd year for the car to be out. I bought mine in Dec 2002, way before the current gas price rise. It is different from the current Prius mainly in that it's smaller (including smaller battery pack.)
I currently get 40MPG, mostly because I live so close to work (more on this in a bit.) I'm not a huge driver (only 20,000 miles currently on a 3 1/2 year old car).
I paid less than sticker (actually hard to do on hybrids these days) but not as low as I could have (if the salesman accepts your offer immediately you've offered too much).
When I purchased my car I looked at disels vs. hybrid and went hybrid because:
a) diesels at that time put out more emissions, mainly in particulate pollution (this is compared to the Prius which is engineered differently than the Honda's, the Prius has a better emissions rating than the Honda Civic (not sure on the insight))
b) while getting diesel gas isn't hard, isn't automatically at every pump
c) if i run out of gas I can drive on my batteries (yes I've done this)
d) I'm a gadget kind of guy, hybrids are just cooler than old technology diesel
I proved two weekends ago, when running very late for my sister's wedding, that a Prius will do 95 miles/hour. It even occasionally gets 50mpg when doing this (going down hill....)
The Prius will run the motor, when first turned on, continuously in order to warm up the engine, oil and catalytic converter. On cold winters days this takes longer, hence the lower gas milage for stop and go driving in winter (highway gas milage should be about the same in winter, except for an issue noted below). I live close to work, the motor, except on very warm days runs pretty much all the way to work. This sucks for my gas milage. If I were to move a few miles more away it would actually improve my mpg.
When driving at lower speeds the Prius will run the motor at the more efficient higher RPM that it is tuned for. The extra RPMs are used to charge the batteries and the energy is stored for later use when the motor isn't needed. I'm not sure the Honda Civic or Insight do this.
Having the radio, headlights, etc... will not make the engine run in stop and go traffic. The engine will still shut itself off.
Having the compressor (A/C or defroster) will cause the engine to run. The engine will shut down for a few seconds then come back on. Turn your A/C or defroster off when stopped as much as you can tolerate. Also use the Auto setting and set a reasonable tempature on the dial to reduce the A/C load. Both of these steps will improve mpg.
Couple of other tips I've noticed:
a) check tire pressure. True in any car, this has a big effect on mpg on my hybrid too.
b) the dashboards outgas, this builds up a deposit on the inside of the windows that fogs up very fast in the winter, and unfogs very slowly. Cleaning the inside of my windows with glass cleaner each winter reduces the amount of fogging, which reduces the amount I need the defroster, which reduces the amount I need the compressor, which takes load of the engine and lets it run more efficiently. This helps my winter mpg.