Save on 2013 Scion iQ Insurance Quotes

Do you think you bought an overpriced auto insurance policy? Believe me when I say there are many consumers feeling the pinch from expensive auto insurance.

Vehicle owners have multiple insurers to purchase coverage from, and although it’s nice to have multiple companies, it can be more difficult to find the lowest cost provider.

Which insurance coverage is cheapest?

To get low cost car insurance quotes, there a variety of ways to compare rate quotes from all the different companies. The quickest method to find the lowest 2013 Scion iQ rates involves getting comparison quotes online. This can be accomplished in a couple minutes as outlined below.

The simplest way consumers can make multiple comparisons is an all-inclusive rate comparison click here to open form in new window. This easy form eliminates the need for boring form submissions for each company. One simple form will return quotes from several companies.
A harder way to find lower rates is to take the time to go to the website of each company and request a quote. For instance, we’ll assume you are doing a rate comparison from Farmers, Esurance and Allstate. You would be required to spend time on each company’s site and punch in your information repeatedly, which can get old fast. To view a list of companies in your area, click here.
The old school way to compare price quotes is calling or driving to insurance agencies in your area. Comparing online rate quotes makes this process obsolete unless your situation requires the advice and guidance that you can only get from talking to an agent. If you prefer, some companies allow you to obtain prices from the web but have your policy serviced through an agent.

It doesn’t matter which method you choose, just make absolute certain that you use equivalent coverage limits on every quote. If your comparisons have different deductibles it will be impossible to truly determine the lowest rate. Just a small difference in coverages may cause a big price difference. And when price shopping your coverage, comparing more rates from different companies will enable you to find a lower rate than you’re paying now. Not every company allows you to get online rate quotes, so it’s important to compare price quotes from the smaller companies as well.

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Double check you’re getting these money-saving discounts

Companies offering auto insurance do not list all possible discounts in an easy-to-find place, so we researched both well-publicized and also the more inconspicuous discounts that you can inquire about if you buy car insurance online.

Sign Online – A few insurance companies will give a small break simply for signing digitally online.
Discount for New Cars – Buying a new car instead of a used car can cost up to 25% less since new model year vehicles have better safety ratings.
Defensive Driving Course – Taking time to complete a class that teaches defensive driver techniques could earn you a small percentage discount depending on where you live.
Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you can avoid monthly service charges.
Club Memberships – Joining a professional or civic organization could trigger savings when getting a car insurance quote.
Good Drivers – Insureds without accidents may receive a discount up to 45% for iQ insurance than their less cautious counterparts.
Drivers Education – Cut your cost by having your teen driver participate in a local driver’s education class if it’s offered in school.
Data Collection Discounts – Policyholders that allow their company to track where and when they drive by using a telematics device like Allstate’s Drivewise could possibly reduce rates as long as they are good drivers.
Government Employee Discount – Federal government employees can save as much as 8% for iQ insurance with a few insurance coverage companies.

As a footnote on discounts, some of the credits will not apply to the entire cost. Most only cut the price of certain insurance coverages like liability and collision coverage. So even though you would think you can get free auto insurance, nobody gets a free ride.

Popular insurance coverage companies and their possible discounts can be found below.

State Farm offers discounts for multiple autos, anti-theft, student away at school, accident-free, and multiple policy.
Liberty Mutual offers discounts including new graduate, preferred payment discount, newly retired, new vehicle discount, multi-car, new move discount, and newly married.
American Family may offer discounts for air bags, bundled insurance, defensive driver, mySafetyValet, good driver, TimeAway discount, and good student.
Progressive includes discounts for multi-vehicle, homeowner, continuous coverage, good student, and online signing.
Farmers Insurance policyholders can earn discounts including switch companies, electronic funds transfer, good student, mature driver, distant student, multi-car, and business and professional.
Auto-Owners Insurance has discounts for mature driver, group or association, anti-theft, paperless, and teen driver.
SAFECO may include discounts for multi-car, accident prevention training, safe driver, teen safe driver, and bundle discounts.

When quoting, ask all companies you are considering to give you their best rates. Some of the earlier mentioned discounts may not apply to policies in every state. To see insurance companies that offer some of these discounts, click here.

Do I need special coverages?

When it comes to choosing adequate coverage for your vehicles, there really is no single plan that fits everyone. Every situation is different so your insurance needs to address that. These are some specific questions may help you determine whether your personal situation would benefit from an agent’s advice.

Is upholstery damage covered by car insurance?
Am I covered if hit by an uninsured driver?
What is PIP insurance?
Will filing a claim cost me more?
Can I drive in Mexico and have coverage?
Who is covered when they drive my 2013 Scion iQ?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Specifics of your insurance policy

Knowing the specifics of your insurance policy can help you determine the best coverages for your vehicles. Insurance terms can be ambiguous and coverage can change by endorsement. Shown next are the normal coverages found on the average insurance policy.

Liability car insurance – This provides protection from damages or injuries you inflict on people or other property by causing an accident. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims such as emergency aid, bail bonds, court costs and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for expenses such as X-ray expenses, surgery, chiropractic care and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Collision – This coverage will pay to fix damage to your iQ resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with a tree, colliding with another moving vehicle and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Scion iQ.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Frequently these limits are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision) – This covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like theft, vandalism, damage from flooding, damage from a tornado or hurricane and rock chips in glass. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.