Lower Your 2015 Scion FR-S Insurance Quotes

Paying for high-priced Scion FR-S insurance can dwindle your personal savings and force you to make sacrifices. Shopping your coverage around is free and is an excellent way to lower your monthly bill.

Online insurance companies like Allstate, Liberty Mutual and State Farm all promote huge savings with ad campaigns and it can be hard to see past the corporate glitz and do the work needed to find the best deal.

Consumers need to compare rates yearly since rates are usually higher with each renewal. Just because you found the best price on FR-S insurance last year a different company probably has better rates today. Starting right now, forget all the misinformation about auto insurance because it’s time to teach you one of the quickest ways to reduce your cost while increasing coverage.

Scion FR-S insurance rates can be determined by these details

An important part of buying insurance is that you know the different types of things that help determine car insurance rates. Having a good understanding of what determines base rates enables informed choices that can help you get lower car insurance prices.

  • Where do you drive? – The higher the mileage driven each year the more you’ll pay to insure your vehicle. Most insurance companies price each vehicle’s coverage based on their usage. Cars that are left in the garage qualify for better rates than those used for commuting. Verify your car insurance declarations sheet is showing the correct usage for each vehicle. Incorrect usage on your FR-S can cost quite a bit.
  • Don’t get talked into coverage you don’t need – There are a lot of extra coverages you can purchase when buying car insurance. Coverages for personal injury protection, better glass coverage and motor club memberships may be costing you every month. They may seem good when you first buy your policy, but if you don’t need them eliminate them to save money.
  • Your credit rating is important – A driver’s credit score is a big factor in your rate calculation. Therefore, if your credit is lower than you’d like, you could be paying less to insure your 2015 Scion FR-S by spending a little time repairing your credit. People with good credit tend to be more responsible than drivers with poor credit.
  • Rates may be higher depending on your occupation – Did you know your occupation can influence how much you pay for car insurance? Careers like lawyers, executives and financial analysts tend to have higher average rates in part from stressful work requirements and long work days. Conversely, professions such as actors, engineers and homemakers receive lower rates on FR-S insurance.
  • Do men or women drive better? – Statistics demonstrate that women are safer drivers than men. Now that doesn’t mean women are better drivers. Men and women are in accidents in similar percentages, but the males tend to have more serious accidents. They also get cited for more serious violations such as DWI and reckless driving.
  • Safer cars cost less to insure – Vehicles with good safety scores get lower rates. These vehicles reduce injuries and better occupant protection means less money paid by your insurance company and more competitive rates for policyholders. If your Scion FR-S is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.

Are you getting all your discounts?

Companies don’t always publicize every discount very well, so we break down both well-publicized and the harder-to-find insurance savings.

  • Claim Free – Claim-free drivers pay much less compared to bad drivers.
  • Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Use Seat Belts – Requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
  • Sign Early and Save – Select companies give a discount for switching to them before your current policy expires. It can save you around 10%.
  • Passive Restraints and Air Bags – Vehicles with factory air bags may earn rate discounts up to 30%.
  • Government Employees – Active or retired federal employment can earn a discount up to 10% on FR-S insurance depending on your company.
  • Life Insurance Discount – Larger companies have a discount if you purchase auto and life insurance together.
  • Auto/Home Discount – If you insure your home and vehicles with one company you may earn at least 10% off all policies.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
  • Discounts for Safe Drivers – Insureds without accidents can pay as much as 50% less on FR-S insurance than drivers with accidents.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, companies wouldn’t make money that way.

For a list of insurers with discount insurance rates, click here to view.

Tailor your coverage to you

When buying adequate coverage for your vehicles, there really is no single plan that fits everyone. Every situation is different and your policy should reflect that. These are some specific questions might point out whether your personal situation would benefit from professional advice.

  • When should I not file a claim?
  • Is business equipment covered while in my vehicle?
  • What is no-fault insurance?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered when driving a rental car?
  • Is my teenager covered with friends in the car?
  • I have a DUI can I still get coverage?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Coverages available on your policy

Having a good grasp of your auto insurance policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverage types found on most auto insurance policies.

Liability car insurance – This coverage will cover damage or injury you incur to people or other property that is your fault. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like loss of income, medical expenses, bail bonds, court costs and legal defense fees. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Collision coverages – This pays for damage to your FR-S from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with another moving vehicle, hitting a mailbox, sideswiping another vehicle, crashing into a ditch and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive coverage (or Other than Collision) – This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a broken windshield, rock chips in glass, fire damage and damage from a tornado or hurricane. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for expenses for things like EMT expenses, surgery, rehabilitation expenses and dental work. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Don’t break the bank

As you prepare to switch companies, you should never skimp on critical coverages to save a buck or two. In many cases, someone sacrificed uninsured motorist or liability limits and discovered at claim time they didn’t purchase enough coverage. Your strategy should be to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

The cheapest 2015 Scion FR-S insurance can be sourced both online and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. A few companies do not offer the ability to get a quote online and these smaller companies work with independent agents.

We just showed you a lot of techniques to shop for insurance online. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding lower rates. Consumers may even find the best prices are with a lesser-known regional company. These companies may have significantly lower rates on certain market segments compared to the large companies like State Farm or Progressive.

Additional detailed information can be found at these sites: