2013 Scion FR-S Insurance Rates

Buyers have options when searching for the lowest priced Scion FR-S insurance. You can either spend your time driving around trying to get quotes or leverage the internet to compare rates. There are both good and bad ways to shop for car insurance so we’re going to tell you the absolute fastest way to price shop coverage on a Scion and get the lowest possible price either online or from local insurance agents.

Choosing the best insurance company for you is not that difficult. If you currently have a car insurance policy, you will be able to cut costs considerably using these techniques. Consumers just need to understand the proper methods to compare rates online.

Finding Auto Insurance

There are multiple methods to compare 2013 Scion FR-S auto insurance quotes, but there is one way that is less time-consuming than others. You can spend countless hours driving to insurance companies in your area, or you could save time and use online quotes to get prices fast.

Many insurance companies participate in a marketplace that allows shoppers to enter their policy data once, and each company then returns a price quote based on that data. This prevents consumers from doing quote forms for every auto insurance company.

To find out what other companies charge for 2013 Scion FR-S insurance click to open in new window.

The one disadvantage to using this type of system is buyers cannot specifically choose which insurance companies to get pricing from. If you wish to select individual companies to request quotes from, we have assembled a list of auto insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but make absolute certain that you use identical quote information for every company. If you are comparing different liability limits it’s not possible to determine which rate is truly the best.

Save on 2013 Scion FR-S insurance

Companies that sell car insurance don’t necessarily list all available discounts in a way that’s easy to find, so the following is a list of both well-publicized and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • More Vehicles More Savings – Having multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts can save up to 15% off your PIP or medical payments premium.
  • Homeowners Savings – Owning a home can help you save on insurance coverage because maintaining a house shows financial diligence.
  • Employee of Federal Government – Employees or retirees of the government can save as much as 8% on FR-S coverage depending on your company.
  • Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • Early Switch Discount – Some insurance companies reward drivers for switching to them before your current expiration date. It’s a savings of about 10%.
  • No Charge for an Accident – Certain companies allow you one accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.

A little note about advertised discounts, most discount credits are not given the the whole policy. Most only reduce individual premiums such as medical payments or collision. Even though it may seem like it’s possible to get free car insurance, companies wouldn’t make money that way.

A partial list of companies that possibly offer these benefits include:

It’s a good idea to ask each insurance company what discounts are available to you. Some discounts may not apply in every state.

Elements that influence Scion FR-S insurance rates

An important part of buying insurance is that you know the factors that come into play when calculating the rates you pay for auto insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that may reward you with much lower annual insurance costs.

The list below includes some of the items that factor into rates.

  • Older drivers save more – Youthful drivers are statistically proven to be less responsible when behind the wheel so they pay higher auto insurance rates. Older insureds tend to be more responsible, tend to file fewer claims and receive fewer citations.
  • Are you male or female? – Statistics show women are more cautious behind the wheel. Now that doesn’t mean women are better drivers. They both cause accidents in similar percentages, but men tend to have more serious accidents. Men also have more aggressive citations like reckless driving and DUI.
  • Extra coverages can waste money – There are many add-on coverages that you can get tricked into buying if you aren’t careful. Things like vanishing deductibles, accidental death and motor club memberships may be wasting your money. These coverages may sound good when talking to your agent, but if you don’t need them remove them from your policy.
  • Proper usage rating affects rates – Driving more miles every year the higher your rate. Most companies apply a rate based on how the vehicle is used. Vehicles used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. Double check that your auto insurance coverage properly reflects the proper vehicle usage, because improper ratings can cost you money. If your policy improperly rates your FR-S can result in significantly higher rates.
  • Traffic violations increase rates – Just one moving violation can bump up the cost by twenty percent. Drivers who don’t get tickets get better rates than bad drivers. Drivers who have serious citations like DUI or reckless driving may need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.
  • Consolidate policies to earn discounts – The majority of companies will give a discount to policyholders who buy several policies from them such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. If you currently are using one company, it’s still a good idea to shop around to verify if the discount is saving money.
  • Being married can save on auto insurance – Being married can get you a discount on auto insurance. Having a spouse usually means you are more mature and responsible and it’s statistically proven that married drivers get in fewer accidents.

Tailor your coverage to you

When choosing proper insurance coverage, there really is no single plan that fits everyone. Every situation is different.

Here are some questions about coverages that can help discover whether you might need an agent’s assistance.

  • Is a blown tire covered by insurance?
  • Does having multiple vehicles earn me a discount?
  • Am I covered if I wreck a rental car?
  • How much liability coverage do I need in my state?
  • Is my 2013 Scion FR-S covered for flood damage?
  • Am I covered when driving a rental car?
  • Is a new car covered when I drive it off the dealer lot?
  • If my 2013 Scion FR-S is totaled, can I afford another vehicle?
  • What vehicles should carry emergency assistance coverage?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

The fine print in auto insurance ads

Consumers get pounded daily by advertisements for cheaper car insurance by companies like 21st Century, Allstate and State Farm. They all seem to make an identical promise that you can save if you move to them.

How does each company make the same claim? It’s all in the numbers.

Different companies have a preferred profile for the right customer they prefer to insure. For instance, a desirable insured might be a mature driver, has no tickets, and has great credit. A propective insured who meets those qualifications will get the preferred rates and is almost guaranteed to save quite a bit of money when switching.

Consumers who don’t qualify for the requirements will have to pay a more expensive rate and this can result in the customer not buying. The ad wording is “customers that switch” not “people who quote” save that kind of money. That is how companies can truthfully make the claims of big savings. Because of the profiling, you need to get a wide range of price quotes. Because you never know the company that will give you the biggest savings on Scion FR-S insurance.

Car insurance 101

Learning about specific coverages of insurance can help you determine the best coverages for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Scion FR-S.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as chiropractic care, nursing services, pain medications and dental work. They are utilized in addition to your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like falling objects, damage from a tornado or hurricane, theft, damage from getting keyed and hitting a bird. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage protection

Collision insurance covers damage to your FR-S resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sustaining damage from a pot hole, damaging your car on a curb, crashing into a ditch and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Liability auto insurance

This provides protection from damages or injuries you inflict on people or other property. This insurance protects YOU against other people’s claims, and doesn’t 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 might see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things such as repair costs for stationary objects, repair bills for other people’s vehicles, bail bonds, medical expenses and medical services. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

You can do this!

Consumers who switch companies do it for any number of reasons including delays in responding to claim requests, high prices, extreme rates for teen drivers and even high rates after DUI convictions. It doesn’t matter what your reason, finding a new car insurance company is not as difficult as it may seem.

Budget-conscious 2013 Scion FR-S insurance is definitely available from both online companies and also from your neighborhood agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

We just showed you many ways to get a better price on insurance. It’s most important to understand that the more companies you get rates for, the higher the chance of saving money. Consumers could even find that the most savings is with the smaller companies.

Additional car insurance information can be read at these links: