Save on 2010 Scion xB Car Insurance Cost

Trying to find lower auto insurance rates for your Scion xB? Searching for low-cost insurance for a Scion xB can be difficult, but you can use the following methods and make it easy. There is a better way to compare auto insurance rates so we’re going to tell you the proper way to compare rates on a Scion and obtain the cheapest rates from local insurance agents and online providers.

Pay less by taking advantage of discounts

Car insurance companies don’t list all available discounts in an easy-to-find place, so here is a list both well-publicized and the more hidden savings tricks you should be using. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Fewer Miles Equal More Savings – Fewer annual miles on your Scion could qualify for lower rates on the low mileage vehicles.
  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
  • Auto/Life Discount – Select insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Early Signing – Some companies give discounts for buying a policy prior to your current policy expiration. This can save 10% or more.
  • Save over 55 – Mature drivers may receive a small decrease in premiums on xB coverage.
  • No Charge for an Accident – A few companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a set time period.
  • Employee of Federal Government – Simply working for the federal government can save as much as 8% on xB coverage with certain companies.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. Most only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like it’s possible to get free car insurance, companies don’t profit that way.

A partial list of companies who might offer some of the above discounts may include but are not limited to:

Before buying, ask each insurance company which discounts they offer. Savings may not be available in every state.

How to Compare Car Insurance

Effectively comparing car insurance prices can be exhausting if you don’t know the most efficient way. You can waste hours driving to insurance agencies in your area, or you could use online quotes to get prices fast.

Most of the larger companies are enrolled in a marketplace where prospective buyers enter their policy data once, and at least one company can provide price quotes determined by their information. This eliminates the need for quotation requests for each company you want a rate for. To fill out one form to compare multiple rates now click here (opens in new window).

The single downside to getting quotes like this is buyers cannot specifically choose which insurance companies you will receive quotes from. If you would rather choose from a list of companies for rate comparison, we have assembled a list of low cost car insurance companies in your area. Click here to view list.

It’s up to you which method you use, but compare apples-to-apples information on every quote you get. If you are comparing differing limits you will not be able to determine the best price for your Scion xB.

Pieces of the Scion xB insurance rate puzzle

An important part of buying insurance is that you know the different types of things that help determine car insurance rates. When you know what positively or negatively influences your rates empowers consumers to make smart changes that can help you get much lower annual insurance costs.

  • Do you have enough liability coverage? – Liability coverage will protect you when a jury decides you are liable for damages from an accident. It will provide you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable when compared with rates for comp and collision, so buy as much as you can afford.
  • The more you drive the more you pay – Driving more miles every year the higher your rates will be. Almost all companies apply a rate based upon how you use the vehicle. Cars not used for work or commuting qualify for better rates than vehicles that are driven to work every day. Having the wrong rating on your xB may be wasting your money. Ask your agent if your car insurance coverage is showing the proper vehicle usage.
  • Younger drivers pay higher rates – More mature drivers tend to be more responsible, tend to file fewer claims and receive fewer citations. Young drivers have a tendency to be less responsible when driving therefore car insurance rates are much higher.
  • Do you know your deductibles? – Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Scion. A few examples of covered claims are collision with another vehicle, damage caused by hail, or theft. The deductibles are how much you are required to spend in the event of a claim. The more expense you have to pay, the less your company will charge you for insurance on xB coverage.

Your coverage should be tailored to you

When buying the best auto insurance coverage for your vehicles, there is no one size fits all plan. Everyone’s situation is unique.

These are some specific questions may help you determine whether or not you will benefit from professional help.

  • What if I don’t agree with a claim settlement offer?
  • Should I buy only the required minimum liability coverage?
  • Are my friends covered when driving my 2010 Scion xB?
  • Is my teenager covered with friends in the car?
  • At what point should I drop full coverage?
  • Am I covered when using my vehicle for business?
  • What if I owe more than I can insure my car for?
  • Where can I find DUI or SR-22 insurance?
  • Am I covered if I hit a deer?
  • Is my babysitter covered when using my vehicle?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Insurance coverages explained

Knowing the specifics of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. Insurance terms can be ambiguous and coverage can change by endorsement.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Scion xB.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical expense coverage – Medical payments and Personal Injury Protection insurance kick in for expenses such as ambulance fees, surgery, pain medications and EMT expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Liability coverages – Liability insurance can cover damage or injury you incur to people or other property. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against claims like repair costs for stationary objects, medical services and loss of income. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive protection – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, damage from getting keyed, hitting a deer and hail damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a ditch, damaging your car on a curb, rolling your car and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Be a smart shopper

When you buy insurance online, you should never buy lower coverage limits just to save a few bucks. Too many times, an insured cut uninsured motorist or liability limits and learned later they didn’t have enough coverage. Your goal should be to get the best coverage possible at the best price, not the least amount of coverage.

We just showed you a lot of techniques to shop for 2010 Scion xB insurance online. The most important thing to understand is the more providers you compare, the better your comparison will be. Drivers may discover the lowest rates come from a smaller regional carrier.

Insureds change insurance companies for a number of reasons such as unfair underwriting practices, extreme rates for teen drivers, policy cancellation or an unsatisfactory settlement offer. It doesn’t matter what your reason, choosing a new insurance company is easier than you think.

Additional detailed information can be found in these articles: