2015 Scion xB Insurance Quotes

Sick and tired of trying to scrape together enough money each month for car insurance? You’re in the same situation as many other consumers. Because there are so many options, it can be challenging to locate the lowest cost car insurance company.

Car Insurance Quote Comparison

Performing a rate comparison can be challenging if you don’t know the best way to get rate quotes. You can waste a few hours (or days) talking to insurance companies in your area, or you could use online quotes to quickly compare rates.

Many companies belong to an insurance system where insurance shoppers submit one quote, and every company can give them a price based on that information. This eliminates the need for quote requests for each company you want a rate for.

To access this free quoting program, click here to start a free quote.

The only downside to comparing rates this way is buyers cannot specifically choose the insurers you will receive quotes from. If you wish to select specific providers to request quotes from, we have assembled a list of the cheapest car insurance companies in your area. View list of insurance companies.

Whichever method you choose, ensure you are comparing exactly the same coverages and limits with each company. If you have different deductibles you can’t possibly make an equal comparison.

Which policy gives me the best coverage?

When buying proper insurance coverage for your vehicles, there is no “perfect” insurance plan. Every situation is different so your insurance needs to address that. These are some specific questions might help in determining whether or not you would benefit from an agent’s advice.

  • Does my car insurance cover rental cars?
  • What is no-fault insurance?
  • Do I have coverage when using my vehicle for my home business?
  • How can I force my company to pay a claim?
  • Can I make deliveries for my home business?
  • Will my insurance pay for OEM parts?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Detailed coverages of your auto insurance policy

Having a good grasp of a auto insurance policy can help you determine the right coverages and proper limits and deductibles. Auto insurance terms can be ambiguous and coverage can change by endorsement. Shown next are typical coverage types found on most auto insurance policies.

Collision coverages – This coverage will pay to fix damage to your xB from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like damaging your car on a curb, colliding with a tree, scraping a guard rail, hitting a mailbox and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Liability insurance – This protects you from injuries or damage you cause to a person or their property that is your fault. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as attorney fees, medical services, structural damage and funeral expenses. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Comprehensive auto coverage – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as theft, hitting a bird, damage from getting keyed and rock chips in glass. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for nursing services, pain medications, EMT expenses and funeral costs. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.