2006 Scion xA Insurance Cost – 10 Savings Tips

Looking for better auto insurance rates for your Scion xA? Finding better insurance prices for a new or used Scion xA can turn out to be an all-consuming task, but you can use our auto insurance buying tips to find lower rates. There is a better way to compare auto insurance rates and we’ll show you the proper way to get price quotes for your Scion and locate the best price possible from local insurance agents and online providers.

It’s smart to compare rates on a regular basis due to the fact that insurance rates are rarely the same from one policy term to another. Even if you got the best premium rates for xA insurance at your last renewal you can probably find a better price now. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the tricks you need to know to find better coverage at a better price.

Buy insurance coverage online

Performing a rate comparison can take hours if you aren’t aware of the most efficient way to do it. You could waste time driving to insurance companies in your area, or you could use the web to quickly compare rates.

The majority of car insurance companies belong to an insurance system that allows shoppers to submit one quote, and each company returns a rated price determined by their information. This prevents consumers from doing quote requests for each company you want a rate for.

To compare rates using this form now click to open in new window.

The only downside to using this type of form is you don’t know exactly the insurers you want to price. If you would rather choose individual companies to request quotes from, we have a page of insurance coverage companies in your area. Click here to view list.

Take whichever approach you prefer, but be sure you’re using exactly the same quote information for every company. If you have different limits and deductibles on each one it will be nearly impossible to make a fair comparison for your Scion xA.

Tailor your car insurance coverage to you

When buying the right insurance coverage for your vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s.

These are some specific questions may help highlight whether your personal situation could use an agent’s help.

• Am I insured when driving a different vehicle?
• Can I still get insurance after a DUI?
• Is pleasure use cheaper than using my 2006 Scion xA to commute?
• What are the best liability limits?
• Do I have coverage if my license is suspended?
• Does coverage extend to a rental car in a foreign country?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Information about specific coverages

Knowing the specifics of your policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Liability insurance

This coverage protects you from damage that occurs to people or other property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things like repair bills for other people’s vehicles, legal defense fees and medical services. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Scion xA.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive protection

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like falling objects, damage from flooding and theft. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision protection

Collision coverage pays for damage to your xA from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like rolling your car, hitting a parking meter, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Medical expense coverage

Med pay and PIP coverage provide coverage for short-term medical expenses such as chiropractic care, prosthetic devices and funeral costs. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage