2007 Scion tC Insurance Quotes – 10 Ways to Save

Looking for better auto insurance rates for your Scion tC? Purchasing cheap auto insurance online may be problematic for consumers new to buying insurance on the web. With such a large number of online companies available, how can anyone even start to compare them all to find the best price?

Smart consumers take time to check auto insurance prices at least once a year because insurance rates go up and down regularly. Just because you found the lowest price on tC coverage a year ago you may be paying too much now. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to one of the easiest ways to find great coverage at a great price.

Be sure to get all your discounts

Companies that sell car insurance do not advertise every discount very well, so we researched both well-publicized as well as the least known savings tricks you should be using.

  • Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on tC coverage than less cautious drivers.
  • Discount for Swiching Early – Some companies give discounts for signing up before your current expiration date. The savings is around 10%.
  • Life Insurance Discount – Larger companies have a break if you buy auto and life insurance together.
  • Organization Discounts – Being a member of a professional or civic organization may earn a discount when buying insurance on tC coverage.
  • Accident Waiver – Certain companies will allow you to have one accident before your rates go up if you are claim-free for a particular time prior to the accident.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off your medical payments premium.
  • Save with a New Car – Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
  • Student Driver Training – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
  • Air Bag Discount – Cars that have air bags or automatic seat belts may earn rate discounts up to 30%.

As a disclaimer on discounts, some credits don’t apply to the entire cost. A few only apply to the price of certain insurance coverages like comprehensive or collision. So when the math indicates having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Insurance companies that may have these discounts include:

Check with all companies you are considering which discounts you may be entitled to. Discounts might not be offered everywhere.

How do I know if I need professional advice?

When it comes to buying the right insurance coverage, there really is not a cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that might help in determining whether you would benefit from professional advice.

  • Can I afford to buy a different vehicle if my 2007 Scion tC is totaled?
  • Which is better, split liability limits or combined limits?
  • Is my Scion tC covered if I use it for business?
  • Can I drive in Mexico and have coverage?
  • Does liability extend to a camper or trailer?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I really need UM/UIM coverage?
  • Should I rate my 2007 Scion tC as pleasure use or commute?
  • Do I need roadside assistance coverage?
  • Does my car insurance cover rental cars?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form.

Coverages available on your policy

Learning about specific coverages of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be confusing and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers – This coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Scion tC.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Collision coverage – This covers damage to your tC from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as driving through your garage door, sideswiping another vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, a tree branch falling on your vehicle, damage from getting keyed, hitting a deer and damage from flooding. The maximum amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for liability – Liability coverage can cover damages or injuries you inflict on a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things such as funeral expenses, pain and suffering and emergency aid. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Medical expense insurance – Med pay and PIP coverage kick in for bills for doctor visits, pain medications, prosthetic devices and dental work. They are utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage on a shoestring budget

In this article, we presented a lot of tips how to lower your 2007 Scion tC insurance rates. The key concept to understand is the more you quote, the higher the chance of saving money. You may even find the lowest premiums are with a small mutual company.

Insureds who switch companies do it for many reasons like questionable increases in premium, policy non-renewal, not issuing a premium refund or even delays in responding to claim requests. It doesn’t matter what your reason, choosing a new company can be less work than you think.

As you shop your coverage around, never reduce needed coverages to save money. There are many occasions where someone dropped full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The aim is to buy the best coverage you can find at an affordable rate.

Additional insurance information can be read on the following sites: