How Much Does 2012 Scion xB Car Insurance Cost?

Buying the lowest cost auto insurance over the internet can appear to be problematic for comparing and buying auto insurance on the web. With so many insurance companies available, how are consumers able to be able to compare every one to find better rates?

Components of your Scion xB insurance costs

Part of the car insurance buying process is learning a few of the rating criteria that help calculate car insurance rates. If you know what impacts premium levels, this enables informed choices that may reward you with better car insurance rates.

• Are men or women drivers cheaper? – Over the last 30 years, statistics show women are more cautious behind the wheel. The data does not necessarily mean that females are better drivers. Both genders are responsible for fender benders in similar numbers, but men cause more damage. Not only that, but men also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly.
• Excellent credit scores equal low rates – Credit score will be a significant factor in determining premium rates. Drivers who have very good credit scores tend to file fewer claims and have better driving records as compared to drivers with poor credit scores. Therefore, if your credit history is lower than you’d like, you could save money insuring your 2012 Scion xB if you clean up your credit.
• No claims equals cheap rates – Companies give better rates to people who file claims infrequently. If you are the type of insured that files lots of claims you can pretty much guarantee higher premiums or even policy non-renewal. Auto insurance is meant to be used in the event of more catestrophic claims.
• Driving citations can increase rates – Your driving citation history can have a huge impact on auto insurance premiums. Drivers who don’t get tickets have lower premiums than bad drivers. Even one chargable violation can boost insurance rates by twenty percent. Drivers with multiple violations like DUI or reckless driving may face state-mandated requirements to prove financial responsibility with the DMV in their state in order to prevent their license from being revoked.

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More affordable rates by taking advantage of discounts

The price of auto insurance can be rather high, but there could be significant discounts that could drop your premiums quite a bit. Some discounts apply automatically when you get a quote, but some may not be applied and must be manually applied in order for you to get them.

• Telematics Data – Drivers who agree to allow their insurance company to monitor when and where they use their vehicle by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates if they exhibit good driving behavior.
• Good Student – Excelling in school can be rewarded with saving of up to 25%. Many companies even apply the discount to college students well after school through age 25.
• Payment Method – If you pay your bill all at once instead of paying each month you can avoid monthly service charges.
• ABS and Traction Control Discounts – Vehicles with ABS and/or traction control have fewer accidents and the ABS can save up to 10%.
• Sign Early and Save – Some insurance companies provide a discount for renewing your policy prior to the expiration date on your current policy. You can save around 10% with this discount.
• Clubs and Organizations – Participating in qualifying clubs or civic groups could qualify you for a break on your next auto insurance statement.
• Theft Deterent System – Cars optioned with advanced anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.

Remember that most discounts do not apply to the entire cost. Most only reduce specific coverage prices like physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, you won’t be that lucky.

A few of the larger companies and a partial list of their discounts are outlined below.

• Progressive may offer discounts for homeowner, online quote discount, continuous coverage, online signing, multi-vehicle, good student, and multi-policy.
• SAFECO offers discounts including drive less, teen safety rewards, anti-theft, bundle discounts, and anti-lock brakes.
• American Family offers premium reductions for multi-vehicle, Steer into Savings, bundled insurance, good driver, and accident-free.
• MetLife policyholders can earn discounts including good student, accident-free, multi-policy, defensive driver, and good driver.
• Geico may include discounts for federal employee, military active duty, driver training, seat belt use, and anti-lock brakes.
• The Hartford offers discounts for air bag, bundle, driver training, vehicle fuel type, defensive driver, and good student.

When quoting, ask each company which credits you are entitled to. Savings may not apply in your area. To view companies that provide some of the discounts listed above, follow this link.

Insurance coverage savings promises

Well-known insurance coverage companies like Allstate, Geico and Progressive regularly use television and radio advertisements. All the ads tend to make the same promise that drivers will save a bundle if you just switch your policy. Is it even possible that every company can offer drivers better rates? Here is how they do it.

All companies have an ideal profile for the type of insured that earns them the highest profit. For instance, this type of driver should be between 30 and 50, has no prior claims, and drives less than 7,500 miles a year. Any driver who matches that profile will probably get cheap rates and will also save when they switch companies.

Drivers who cannot meet this ideal profile will be quoted a more expensive rate and ends up with business going elsewhere. If you pay close attention to the ads, they say “customers who switch” not “everyone that quotes” save that kind of money. That is how companies can truthfully claim big savings. This really illustrates why you really need to do a price quote comparison at every renewal. It’s just not possible to know which insurance coverage company will have the best premium rates at this point in time.

How much auto insurance do I need?

When it comes to buying adequate coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine if you would benefit from an agent’s advice.

• Are all vehicle passengers covered by medical payments coverage?
• Is my cargo covered for damage or theft?
• Should I buy full coverage?
• Is my Scion xB covered if I use it for business?
• Am I covered when driving in Canada or Mexico?
• Is pleasure use cheaper than using my 2012 Scion xB to commute?
• Who is covered by my policy?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form.

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Auto insurance coverages

Learning about specific coverages of your insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for immediate expenses for pain medications, funeral costs, X-ray expenses and surgery. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision insurance covers damage to your xB resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a building, backing into a parked car and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance 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 claims like a broken windshield, damage from flooding, damage from getting keyed and hitting a bird. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability coverage

This provides protection from damage that occurs to people or other property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for things like medical services, medical expenses and structural damage. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Scion xB.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

The best insurance company isn’t always the cheapest

While you’re price shopping online, it’s a bad idea to skimp on coverage in order to save money. There are many occasions where consumers will sacrifice liability limits or collision coverage and found out when filing a claim they didn’t purchase enough coverage. Your focus should be to buy the best coverage you can find at the best price, but don’t skip important coverages to save money.

People switch companies for a variety of reasons including delays in responding to claim requests, lack of trust in their agent, questionable increases in premium and even not issuing a premium refund. Regardless of your reason for switching companies, finding a great new company can be pretty painless.

Some companies may not offer the ability to get quotes online and most of the time these small, regional companies only sell coverage through independent agents. Cost effective 2012 Scion xB insurance can be bought on the web in addition to many insurance agents, so compare prices from both in order to have the best price selection to choose from.

Much more information about car insurance is available on the following sites:

• Drunk Driving Statistics (Insurance Information Insitute)
• State Laws for Cellphones and Texting (iihs.org)
• Vehicle Safety Ratings (iihs.org)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Winter Driving (Insurance Information Insitute)

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