2014 Scion xB Insurance Rates – 10 Ideas for Best Quotes

Looking for lower car insurance rates for your Scion xB? When searching for lower-priced insurance, are you confused by the dozens of car insurance companies that you can choose from? There are so many companies to choose from that it can really be a burden to compare premium rates.

You should make it a habit to shop coverage around on a regular basis because car insurance prices are rarely the same from one policy term to another. Just because you found the lowest price for xB insurance a year ago the chances are good that you can find a lower rate quote today. Ignore everything you know about car insurance because I’m going to teach you one of the best ways to remove unneeded coverages and save money.

Where can I get low cost insurance?

All the larger insurance companies make it easy to get price estimates directly from their websites. Getting prices online doesn’t take a lot of time as you just type in on the page. Upon sending the form, their rating system will order your driving and credit reports and quotes a price.

Online price quotes streamlines rate comparisons, but the time it takes to visit different websites and enter the same data into a form is monotonous and tiresome. But it’s very important to get many rate quotes in order to find lower prices.

A better way to find better insurance pricing uses one simple form that analyzes rates from many companies. It’s a real time-saver, requires less work, and makes comparison shopping a little more enjoyable. As soon as the form is sent, it gets priced and you can select any or none of the pricing results.

If a lower price is quoted, you can click and sign and buy the new coverage. The whole process just takes a couple of minutes and can result in significant savings.

To quickly find out how much you can save on insurance, click here to open in a new tab and enter your information. If you currently have coverage, we recommend you duplicate coverages and limits exactly as shown on your declarations page. This makes sure you will be getting a rate comparison for exact coverage.

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Drivers who switch save $388 a year? Really?

Insurance coverage providers like 21st Century, Allstate and State Farm constantly bombard you with television and radio advertisements. All the companies make an identical promise about savings if you get a free insurance quote and switch your policy. It sounds good, but how can they all offer drivers better rates?

Companies quote the lowest rates for the type of driver they prefer to insure. One example of this type of insured might be between the ages of 30 and 50, has never had a claim, and drives a safe vehicle. Someone that hits that “sweet spot” will get very good premium rates and most likely will save when switching.

Consumers who don’t measure up to these criteria must pay a higher rate and this can result in the prospect going elsewhere. The ads say “people that switch” but not “all drivers who get quotes” can save as much as they claim. That’s why insurance companies can make claims that they all have the best premium rates.

Because every company is different, it is so important to do a price quote comparison at every renewal. It’s not possible to predict which insurance coverage company will have the best car insurance rates for your profile.

Do you qualify for discount insurance?

Auto insurance companies do not list every discount they offer very well, so the next list breaks down a few of the more well known as well as the least known credits available to lower your premiums when you buy insurance online. If you do not double check each discount you deserve, you could be saving more on your insurance.

• Multiple Vehicles – Buying insurance for multiple cars on one policy can get a discount on all vehicles.
• One Accident Forgiven – Not really a discount, but a handful of insurance companies will forgive one accident before they charge you more for coverage as long as you don’t have any claims for a set time period.
• Active Service Discounts – Having an actively deployed family member may qualify for rate reductions.
• Early Renewal Discounts – Select insurance companies give a discount for buying a policy prior to your current policy expiration. You may see this discount when you get insurance quotes online.
• Payment Method – By paying your policy upfront rather than paying monthly you may reduce your total bill.
• Buy New and Save – Insuring a new car can save you some money since newer models have better safety ratings.
• Paper-free Discount – Some companies will give a small break for completing your application over the internet.
• No Claims – Insureds who avoid accidents and claims pay much less compared to frequent claim filers.
• Seat Belts Save more than Lives – Requiring all passengers to buckle up can save up to 15% off the PIP or medical payment premium.
• Student Discounts – This discount may save as much as 25% on a insurance quote. The discount lasts until age 25.

Don’t be shocked that some credits don’t apply to your bottom line cost. Some only reduce individual premiums such as medical payments or collision. Just because it seems like adding up those discounts means a free policy, it’s just not the way it works.

A few of the larger companies and the discounts they provide are included below.

• Geico may offer discounts for daytime running lights, anti-lock brakes, anti-theft, good student, seat belt use, and federal employee.
• Auto-Owners Insurance offers discounts including anti-theft, company car, safe driver, student away at school, safe vehicle, and good student.
• American Family has savings for good student, early bird, good driver, bundled insurance, and defensive driver.
• Esurance may have discounts that include online quote, anti-theft, good student, DriveSense, defensive driver, multi-policy, and online shopper.
• Progressive discounts include multi-policy, continuous coverage, homeowner, online quote discount, good student, online signing, and multi-vehicle.
• State Farm may include discounts for safe vehicle, Steer Clear safe driver discount, Drive Safe & Save, driver’s education, and good driver.
• AAA offers discounts for multi-car, anti-theft, good student, good driver, education and occupation, and pay-in-full.

When quoting, ask every company which credits you are entitled to. Some of the earlier mentioned discounts might not apply everywhere. If you would like to view insurance companies that offer multiple discounts, follow this link.

What insurance coverages do I need?

When it comes to choosing the right insurance coverage for your vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover if your insurance needs would benefit from an agent’s advice.

• How high should my medical payments coverage be?
• Does my car insurance cover rental cars?
• What discounts do I qualify for?
• Can I drive in Mexico and have coverage?
• Can I rate high risk drivers on liability-only vehicles?
• Do all my vehicles need collision coverage?

If you don’t know the answers to these questions, you may need to chat with an agent. To find an agent in your area, complete this form.

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Coverages available on your policy

Knowing the specifics of car insurance aids in choosing the right coverages for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for medical payments

Med pay and PIP coverage pay for immediate expenses for things like hospital visits, nursing services, rehabilitation expenses and X-ray expenses. They are utilized in addition to your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverages

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as a broken windshield, hitting a deer, a tree branch falling on your vehicle and fire damage. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision insurance

Collision insurance covers damage to your xB from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as crashing into a ditch, rolling your car, sideswiping another vehicle, hitting a mailbox 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 lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Liability car insurance

Liability coverage provides protection from damages or injuries you inflict on other people or property that is your fault. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

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 liability limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like attorney fees, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection 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 as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Usually these limits are set the same as your liablity limits.

Better coverage you can count on

When trying to cut insurance costs, never buy less coverage just to save a little money. There have been many situations where an insured cut liability limits or collision coverage only to regret they didn’t have enough coverage. Your goal should be to buy enough coverage for the lowest cost, not the least amount of coverage.

Drivers who switch companies do it for a number of reasons such as denial of a claim, being labeled a high risk driver, extreme rates for teen drivers or an unsatisfactory settlement offer. Regardless of your reason for switching companies, choosing a new insurance company can be less work than you think.

Cost effective 2014 Scion xB insurance can be sourced on the web and from local agencies, so you need to shop insurance with both to have the best rate selection. Some car insurance companies do not provide internet price quotes and many times these regional insurance providers prefer to sell through local independent agencies.

To read more, feel free to visit these articles:

• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Event Data Recorders FAQ (iihs.org)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)

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