2013 Scion xB Insurance Cost – 5 Ways to Save

Looking for cheaper auto insurance rates for your Scion xB? Nobody likes paying for auto insurance, especially when they know it costs too dang much.

Lots of auto insurance companies contend to insure your vehicles, so it can be very hard to choose a insurer to find the best rate

Shop car insurance online

Shopping for lower car insurance rates is a ton of work if you don’t understand the easiest way. You could waste time talking to agents in your area, or you could use online quoting to accomplish the same thing much quicker.

Most of the best insurance companies participate in a marketplace where prospective buyers submit one quote, and at least one company can provide price quotes based on the submitted data. This system prevents you from having to do quote requests for each company you want a rate for.

To compare rates now click here (opens in new window).

The only downside to using this type of form is you cannot specify the companies to get pricing from. If you wish to select specific insurance companies to compare rates, we have a page of car insurance companies in your area. Click to view list.

It’s up to you which method you use, but make darn sure you compare identical deductibles and coverage limits on every quote. If you compare different deductibles you will not be able to make an equal comparison. Slightly different limits can make a big difference in price. Just keep in mind that comparing more rates from different companies helps increase your odds of locating the best offered rates.

Are you falling for claims of savings?

Well-known insurance coverage companies like 21st Century, Allstate and State Farm continually stream television and radio advertisements. All the ads convey the message about savings after switching your coverage. How can each company give you a lower rate? This is how they do it.

Different companies give the cheapest rates for the type of customer they prefer to insure. An example of a profitable customer could be a married female, has had continuous coverage, and drives a lower-performance vehicle. Any person that fits those parameters receive the lowest rate quotes and will save when switching.

Drivers who don’t qualify for this ideal profile will have to pay a higher rate which results in the customer buying from a different company. Company advertisements say “people who switch” but not “all drivers who get quotes” save the amount stated. That is how insurance companies can make claims like that. Each company has different criteria, so it’s extremely important to quote coverage with many companies. You cannot predict which insurance coverage company will fit your personal profile best.

Insurance coverage companies offer money-saving discounts

Some providers do not advertise every policy discount very clearly, so here is a list both well-publicized as well as some of the hidden insurance coverage savings.

  • Claim-Free Discount – Insureds with no claims or accidents can save substantially compared to insureds who have frequent claims or accidents.
  • Low Miles Discount – Driving less can qualify you for discounted premium rates on garaged vehicles.
  • Senior Citizen Discount – If you’re over the age of 55, you may be able to get better insurance coverage rates on xB coverage.
  • Full Payment Discount – By paying your policy upfront rather than paying in monthly installments you may have a lower total premium amount.
  • Multi-policy Discount – If you have multiple policies with the same insurance company you may earn approximately 10% to 15%.

It’s important to note that most of the big mark downs will not be given to the entire policy premium. A few only apply to the cost of specific coverages such as collision or personal injury protection. Just because you may think you could get a free insurance coverage policy, it doesn’t quite work that way.

Companies that may offer quotes with some of the above discounts possibly include:

It’s a good idea to ask each insurance company which credits you are entitled to. Savings may not apply to policyholders in every state. If you would like to choose from a list of insurance companies that offer many of these discounts, click this link.

Do I just need basic coverages?

When it comes to buying proper insurance coverage, there really is not a one size fits all plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions may help highlight if your insurance needs may require specific advice.

  • What are the best liability limits?
  • What vehicles should carry emergency assistance coverage?
  • Why am I required to buy liability insurance?
  • Does my insurance cover my expensive audio equipment?
  • Is upholstery damage covered by car insurance?
  • How high should my uninsured/underinsured coverage be in my state?
  • Am I covered by my spouse’s policy after a separation?
  • What is the minimum liability in my state?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area.

The coverage is in the details

Learning about specific coverages of auto insurance aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. These are typical coverages offered by auto insurance companies.

Comprehensive protection – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hail damage, fire damage and a broken windshield. The most your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto liability insurance – This can cover damage or injury you incur to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as court costs, medical services and legal defense fees. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

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

Collision coverage protects against things such as crashing into a building, backing into a parked car, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Medical expense coverage – Coverage for medical payments and/or PIP pay for short-term medical expenses like X-ray expenses, dental work, ambulance fees, prosthetic devices and EMT expenses. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Be a penny pincher

In this article, we presented a lot of tips how to save on 2013 Scion xB insurance. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding low cost auto insurance. You may even discover the lowest priced insurance coverage comes from the least-expected company. Regional companies can often provide lower rates in certain areas than the large multi-state companies such as Allstate, GEICO and Progressive.

When getting auto insurance quotes online, it’s not a good idea to buy less coverage just to save a little money. In many cases, someone sacrificed comprehensive coverage or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. The aim is to get the best coverage possible at a price you can afford, but don’t skip important coverages to save money.

Some insurance providers do not offer rates over the internet and many times these smaller providers only sell coverage through independent agents. Discount 2013 Scion xB insurance is definitely available online and with local insurance agents, so you need to compare both so you have a total pricing picture.

Additional information can be found at these links: