How Much Does 2013 Scion tC Car Insurance Cost?

Looking for lower insurance coverage rates for your Scion tC? Did you come to the realization that you have an overpriced insurance coverage policy? Trust us when we tell you you’re not alone.

Online insurance companies like Geico and Progressive all claim big savings, bombarding you with ad campaigns and it can be hard to see past the geckos and flying pigs and find the best price available.

The easiest way to compare car insurance rates utilizes the fact all the major auto insurance companies actually pay money for the chance to give free rates quotes. To start a quote, the only thing you need to do is spend a couple of minutes providing details like what you do for a living, if it has an anti-theft system, if you’re married, and an estimate of your credit level. Your insurance information is instantly sent to multiple top-rated companies and you will get price comparisons with very little delay.

To start a rate quote now, click here and find out if lower rates are available.

Does auto insurance advertising bend the truth?

Well-known auto insurance companies like 21st Century, Allstate and State Farm regularly use television and radio advertisements. All the ads try to convey promises about saving some big amount if you change your coverage to them. How is it possible that every company can say the same thing? Here is how they do it.

Insurance companies have specific criteria for the type of insured that will most likely be profitable. One example of a desirable insured might have to be a female over age 40, has had continuous coverage, and has excellent credit. A propective insured who fits that profile will probably get cheap rates and will most likely save when switching.

Consumers who cannot meet these stringent criteria may be required to pay a more expensive rate which usually ends up with business going elsewhere. The ads say “people who switch” but not “everyone who gets a quote” can save as much as they claim. That’s why companies can truthfully make those claims.

Each company has different criteria, so it is so important to do a rate comparison at every renewal. It’s just not possible to know which company will have better rates than you’re paying now.

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Scion tC insurance premium factors

Lots of factors are used when you get a price on insurance. Most are fairly basic like an MVR report, but others are more obscure such as your credit history or your vehicle rating.When buying auto insurance it’s important to understand a few of the rating criteria that help calculate your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this empowers consumers to make smart changes that will entitle you to better auto insurance rates.

The itemized list below are some of the things used by companies to determine your rates.

• Optional features can affect auto insurance rates – Purchasing a vehicle with a theft deterrent system can help lower your rates. Advanced theft deterrents like OnStar, LoJack tracking, and tamper alarms all aid in stopping auto theft and help lower rates.
• Bad drivers pay high premiums – Having a single speeding ticket can increase the cost of insurance twenty percent or more. Drivers with clean records pay lower auto insurance prices than their less careful counterparts. Drivers who get flagrant violations such as reckless driving or DUI may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to legally drive.
• Extra policy coverages are wasting money – Insurance policies have a lot of additional extra coverages that you can buy on your auto insurance policy. Things like coverage for rental cars, towing, and term life insurance may be wasting your money. You may think they are a good idea at first, but now you might not need them so think about removing them and cutting costs.
• Where you live can impact premiums – Residing in smaller towns and rural areas of the country has definite advantages when trying to find low car insurance rates. Less people means less chance of accidents and also fewer theft and vandalism claims. People who live in big cities have more road rage incidents and much longer commute distances. Higher commute times statistically corresponds to a higher accident and claim rate.

These discounts can lower your insurance coverage quotes

Some companies don’t always list all possible discounts very clearly, so below is a list both well-publicized and also the more inconspicuous credits that may apply to you.

• Discount for Home Ownership – Owning your own home or condo can save a few bucks because owning a home requires personal responsibility.
• No Claim Discounts – Drivers with accident-free driving histories are rewarded with significantly better rates on auto insurance quote in comparison to policyholders that have many claims.
• Payment Discounts – If paying your policy premium upfront rather than spreading payments over time you can avoid the installment charge.
• Senior Citizens – If you qualify as a senior citizen, you are able to get a small discount on rates for tC insurance.
• Good Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% for tC insurance than drivers with accident claims.
• Student Discounts – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
• College Student – Kids who live away from home at college and do not have a car can be insured at a reduced rate.

As is typical with insurance, most discount credits are not given to the overall cost of the policy. Most only cut the price of certain insurance coverages like liability and collision coverage. Just because you may think you can get free auto insurance, you’re out of luck. But all discounts will lower the premium cost.

Popular insurance coverage companies and some of their more popular discounts include:

• Geico offers premium reductions for multi-vehicle, federal employee, seat belt use, emergency military deployment, multi-policy, anti-theft, and membership and employees.
• Mercury Insurance has savings for type of vehicle, location of vehicle, low natural disaster claims, multi-car, ease of repair, annual mileage, and accident-free.
• Farmers Insurance may offer discounts for switch companies, alternative fuel, electronic funds transfer, youthful driver, mature driver, and homeowner.
• Auto-Owners Insurance may have discounts that include safe vehicle, anti-lock brakes, group or association, safe driver, and paperless.
• Liberty Mutual policyholders can earn discounts including new vehicle discount, hybrid vehicle, newly married, newly retired, safety features, and multi-car.
• SAFECO may include discounts for homeowner, anti-theft, teen safety rewards, bundle discounts, accident prevention training, and safe driver.
• Progressive offers discounts for homeowner, continuous coverage, multi-policy, good student, and online quote discount.
• USAA includes discounts for family discount, defensive driver, military installation, vehicle storage, and multi-vehicle.

Double check with each insurance company how you can save money. Some discounts might not be available to policyholders in your area. To locate insurers that offer discounts, click here.

Different people need different insurance coverages

When it comes to buying the best insurance coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions may help highlight if you could use an agent’s help.

• What discounts do I qualify for?
• Do I need an umbrella policy?
• Do I have coverage if my license is suspended?
• Can I still get insurance after a DUI?
• Which companies will insure high-risk drivers?
• Why am I required to buy high-risk coverage?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

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Auto insurance policy specifics

Knowing the specifics of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. These are the usual coverages found on the average auto insurance policy.

Medical costs insurance – Med pay and PIP coverage kick in for short-term medical expenses like chiropractic care, funeral costs and nursing services. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Collision coverages – Collision coverage pays for damage to your tC resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like driving through your garage door, backing into a parked car, sideswiping another vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive or Other Than Collision – This pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, damage from flooding and theft. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability – Liability coverage protects you from damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like medical expenses, loss of income, medical services and attorney fees. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

UM/UIM Coverage – This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your Scion tC.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these coverages are identical to your policy’s liability coverage.

One last thing about your coverage

As you prepare to switch companies, it’s very important that you do not buy poor coverage just to save money. In many cases, someone sacrificed comprehensive coverage or liability limits only to regret at claim time that the small savings ended up costing them much more. Your goal is to buy the best coverage you can find at the best possible price.

We’ve covered many tips how you can get a better price on 2013 Scion tC insurance. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the biggest savings come from a small local company. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like Allstate or State Farm.

For more information, take a look at the resources below:

• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Young Drivers: The High Risk Years Video (iihs.org)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Auto Insurance Basics (Insurance Information Insitute)

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