Cheap 2016 Scion FR-S Car Insurance Cost

Want cheaper insurance rates for your Scion FR-S? Trying to find cheaper insurance for your Scion FR-S can normally be a lot of work, but you can use these tips to make it easier.

There is a better way to compare insurance rates and you need to know the proper way to quote coverages for a Scion and find the best price possible from local insurance agents and online providers.

Get lower rates on 2016 Scion FR-S insurance

Insurance can cost an arm and a leg, buy you may qualify for discounts to help bring down the price. Certain discounts will be triggered automatically when you get a quote, but less common discounts must be inquired about in order for you to get them. If you’re not getting every credit possible, you are throwing money away.

  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Use Seat Belts – Drivers who require all occupants to use their safety belts could save 15% off your medical payments premium.
  • Senior Citizens – Older drivers may qualify for reduced rates for FR-S insurance.
  • Safe Drivers – Insureds without accidents may save up to 50% more for FR-S insurance than less cautious drivers.
  • Multiple Cars – Having all your vehicles with the same company may reduce the rate for each vehicle.
  • Clubs and Organizations – Being a member of certain professional organizations could trigger savings on car insurance for FR-S insurance.
  • Defensive Driver – Completing a course in driver safety could cut 5% off your bill if you qualify.
  • Lower Rates for Military – Having a deployed family member could mean lower rates.
  • Early Signing – A few companies offer discounts for signing up prior to your current policy expiring. This can save 10% or more.
  • Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.

Keep in mind that most discount credits are not given to the entire policy premium. Some only apply to individual premiums such as liability, collision or medical payments. So when it seems like you could get a free car insurance policy, companies wouldn’t make money that way. But all discounts will reduce the amount you have to pay.

Insurance companies that may have these money-saving discounts may include but are not limited to:

Check with all companies you are considering what discounts are available to you. Discounts may not be available in your area.

Scion FR-S rates are complex

An important part of buying insurance is that you know the rating factors that come into play when calculating the price you pay for car insurance. Understanding what influences your rates allows you to make educated decisions that could result in much lower annual insurance costs.

  • You might want pay the small claims yourself – Companies award cheaper rates to drivers who do not file claims often. If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance is designed for major claims that would cause financial hardship.
  • Optional equipment can affect rates – Driving a car that has an advanced theft prevention system can get you a discount on your car insurance. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.
  • Pleasure use saves money – The more miles you rack up on your Scion each year the higher your rates will be. Most companies charge to insure your cars based on their usage. Cars and trucks used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. An improperly rated FR-S can cost quite a bit. Double check that your car insurance policy is rated on how each vehicle is driven, because it can save money.
  • Where you live – Living in small towns and rural areas can save you money when buying car insurance. Less people living in that area means a lower chance of having an accident as well as less vandalism and auto theft. Urban drivers tend to have traffic congestion and longer commutes to work. Longer commute distances can result in more accidents.
  • Liability coverage is cheap – Liability insurance provides coverage if ever you are found to be at fault for personal injury or accident damage. Liability provides for a legal defense which can be incredibly expensive. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.
  • Do you know you’re credit rating? – Your credit score is a important factor in calculating your car insurance rates. Therefore, if your credit rating is lower than you’d like, you could potentially save money when insuring your 2016 Scion FR-S by spending a little time repairing your credit. Drivers who have high credit scores tend to be better drivers and file fewer claims than those with poor credit.
  • High crash test scores lower rates – Safer cars are cheaper to insure. These vehicles reduce injuries and lower injury rates means less money paid by your insurance company and thus lower rates. If the Scion FR-S is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • With age comes lower rates – More mature drivers are more cautious drivers, file fewer claims and receive fewer citations. Teen drivers tend to get distracted easily when driving and because of this, their car insurance rates are much higher.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique.

Here are some questions about coverages that could help you determine if your situation will benefit from professional help.

  • What if I owe more than I can insure my car for?
  • I have a DUI can I still get coverage?
  • I have health insurance so do I need medical payments coverage?
  • What is UM/UIM insurance?
  • Is my nanny covered when driving my vehicle?
  • What is PIP insurance?
  • Exactly who is provided coverage by my policy?
  • When should I not file a claim?
  • Why do I only qualify for high-risk insurance?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.

Slick advertising tricks that work

Drivers get pounded daily by advertisements for cheaper car insurance by 21st Century, Allstate and State Farm. They all have a common claim that you can save after switching to their company.

How do they all say the same thing?

All companies have a preferred profile for the type of customer that earns them a profit. An example of a desirable insured might be profiled as between 30 and 50, is a homeowner, and has excellent credit. A customer who matches those parameters will get the preferred rates and as a result will probably cut their rates substantially.

Drivers who fall outside the “perfect” profile must pay more money which leads to the driver buying from a lower-cost company. The ad wording is “customers who switch” not “people who quote” save money. That’s the way insurance companies can state the savings.

This illustrates why you should compare as many rates as you can. You cannot predict which company will have the lowest Scion FR-S insurance rates.

Information about specific coverages

Learning about specific coverages of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Comprehensive insurance

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like vandalism, hitting a deer, damage from flooding, fire damage and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like damaging your car on a curb, sideswiping another vehicle and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for short-term medical expenses for X-ray expenses, chiropractic care, EMT expenses, dental work and prosthetic devices. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability

This will cover damage that occurs to other’s property or people in an accident. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like medical services, loss of income and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

More quotes. Lower rates.

As you shop your coverage around, you should never reduce coverage to reduce premium. In many cases, an accident victim reduced collision coverage only to regret at claim time that the small savings ended up costing them much more. Your goal should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

Budget-conscious 2016 Scion FR-S insurance can be purchased on the web as well as from independent agents, and you need to comparison shop both to get a complete price analysis. A few companies don’t offer online quoting and these small insurance companies work with independent agents.

Consumers who switch companies do it for any number of reasons including high rates after DUI convictions, questionable increases in premium, denial of a claim and poor customer service. Whatever your reason, choosing a new company is not as hard as you think.

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