2014 Scion FR-S Insurance Rates – 8 Tricks for Best Quotes

Did budget coverage turn out to be overpriced car insurance? Say no more because many drivers have buyer’s remorse. Because there are so many choices, it is hard for the average consumer to choose the most cost effective insurer.

First Step: Get free auto insurance quotes

Cutting your auto insurance rates is an easy way to save money. You just need to spend a few minutes on the computer to compare free auto insurance quotes from different insurance companies. This can be done in just a few minutes using one of these methods.

1. If you are pressed for time, the simplest way to get quotes for comparison is an all-inclusive rate comparison click here to open form in new window. This type of form keeps you from doing multiple quote forms for every company. One quote request compares rates from multiple companies.
2. A harder way to find better pricing requires a visit to each individual company website and fill out a new quote form. For examples sake, we’ll assume you want to view quotes from Nationwide, Liberty Mutual and Allstate. To get each rate you have to spend time going to each site individually and punch in your information repeatedly, which is why most consumers use the first method.

   To view a list of companies in your area, click here.

How you compare quotes is your choice, just try to use exactly the same coverage information for each quote you get. If your comparisons have different coverage information you will not be able to truly determine the lowest rate.

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Verify you’re receiving every discount

Insuring your fleet can be pricey, but you might already qualify for some discounts to cut the cost considerably. Many discounts should be triggered when you quote, but once in a while a discount must be inquired about before being credited.

• Lower Rates for Military – Having an actively deployed family member could mean lower car insurance rates.
• Senior Discount – Mature drivers may be able to get reduced rates for FR-S insurance.
• Paperwork-free – A handful of insurance companies provide a small discount simply for signing online.
• Distant Student – Children who are attending college and don’t have a car could qualify for this discount.
• Membership in Organizations – Belonging to specific professional or occupational memberships or organizations could earn you a nice discount on your next car insurance statement.
• Discounts for Government Workers – Having worked for a branch of the government could qualify for a slight premium decrease for FR-S insurance but check with your company.
• Own a Home – Owning a house can help you save on car insurance because owning a home means you have a higher level of financial diligence.
• Theft Deterent Discount – Vehicles equipped with tracking devices and advanced anti-theft systems can help prevent theft and earn discounts up to 10% off your auto insurance quote.

It’s important to understand that most credits do not apply to all coverage premiums. Most only apply to individual premiums such as liability, collision or medical payments. So even though you would think all those discounts means the company will pay you, you won’t be that lucky.

Some of the larger companies who might offer most of these discounts are:

• State Farm
• Farmers Insurance
• Geico
• American Family
• Nationwide
• Progressive

It’s a good idea to ask each company the best way to save money. A few discounts might not be offered everywhere. If you would like to see a list of car insurance companies with discount car insurance rates, click this link.

When should I discuss my situation with an agent?

When choosing the best insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that may help highlight whether you could use an agent’s help.

• What is the minimum liability in my state?
• Should I bundle my homeowners policy with my auto?
• Are my friends covered when driving my car?
• I have a DUI can I still get coverage?
• What are the best liability limits?
• How do I file an SR-22 for a DUI in my state?
• Am I covered if I drive in a foreign country?
• Does medical payments coverage apply to all occupants?
• Is my vehicle covered by my employer’s policy when using it for work?

If it’s difficult to answer those questions then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance companies in your area. It is quick, free and you can get the answers you need.

What insurance coverages do you need?

Learning about specific coverages of your insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages found on the average insurance policy.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your Scion FR-S.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Auto collision coverage

This coverage pays for damage to your FR-S resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as rolling your car, crashing into a building, colliding with a tree, sustaining damage from a pot hole and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills for chiropractic care, pain medications, doctor visits and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for liability

Liability insurance provides protection from injuries or damage you cause to other’s property or people by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against things like medical services, pain and suffering and funeral expenses. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like theft, falling objects, damage from flooding and rock chips in glass. The highest amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

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Be a smart shopper

Cheaper car insurance can be purchased both online and with local insurance agents, and you should compare rates from both to have the best chance of lowering rates. There are still a few companies who may not have rates over the internet and many times these small insurance companies prefer to sell through independent agents.

As you prepare to switch companies, don’t be tempted to sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped liability coverage limits to discover at claim time they didn’t have enough coverage. Your goal is to get the best coverage possible for the lowest price but still have enough coverage for asset protection.

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

• Eight Auto Insurance Myths (Insurance Information Insitute)
• Auto Insurance Basics (Insurance Information Insitute)
• Collision Coverage (Liberty Mutual)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)

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