2014 Scion FR-S Insurance Rates

Trying to find better insurance coverage rates for your Scion FR-S? Pricey insurance coverage can dwindle your budget and possibly require you to analyze your spending habits.

With drivers having so many companies to choose from, it can be challenging to pick the best insurer.

It’s a great practice to price shop coverage before your next renewal due to the fact that insurance prices tend to go up over time. Despite the fact that you may have had the best rates on FR-S insurance a year ago you may be paying too much now. Forget all the misinformation about insurance coverage because you’re about to learn the things you must know in order to get good coverage at a lower rate.

How to get the cheapest car insurance

All major car insurance companies such as 21st Century, Allstate and State Farm give coverage prices from their websites. Comparing rates online is pretty painless as you just enter as requested by the quote form. After you complete the form, their rating system will order reports for credit and driving violations and returns a price based on these factors. This simplifies rate comparisons, but the work required to visit a lot of sites and enter the same data into a form can be a bit tiresome and repetitive. But it’s necessary to have as many quotes as possible in order to find the lowest price.

There is an easier way!

A better way to find better car insurance pricing uses one form to get prices from a lot of companies. It’s a real time-saver, reduces the work, and makes comparison shopping much more efficient. After your information is entered, it is rated and you can select any one of the price quotes you receive.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. The entire process takes just a few minutes to complete and can result in significant savings.

To find out if lower rates are available, click here to open in a new tab and submit the form. If you currently have coverage, we recommend you input the insurance coverages just like they are on your policy. This way, you are getting an apples-to-apples comparison for similar insurance coverage.

Verify you’re receiving every discount

Some providers don’t necessarily list the entire discount list very well, so here is a list both the well known and the harder-to-find credits available to bring down your rates.

  • Claim-Free Discount – Drivers who don’t have accidents pay less when compared with accident-prone drivers.
  • Organization Discounts – Participating in a professional or civic organization could earn you a nice discount on your next renewal.
  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices can help prevent theft so companies will give you a small discount.
  • Good Student – Performing well in school can earn a discount of 20% or more. The discount lasts until age 25.
  • Sign Online – Some of the larger companies may give you up to $50 shop insurance coverage on the internet.
  • Auto/Life Discount – Select insurance carriers reward you with better premium rates if you take out a life policy as well.
  • One Accident Forgiven – This isn’t a discount exactly, but some companies like GEICO, State Farm, and Progressive will forgive one accident before your rates go up with the catch being you have to be claim-free prior to being involved in the accident.

It’s important to note that most discounts do not apply to the overall cost of the policy. Most only reduce specific coverage prices like physical damage coverage or medical payments. Even though the math looks like you can get free auto insurance, insurance companies wouldn’t stay in business.

A few of the larger companies and some of their more popular discounts can be found below.

  • American Family includes discounts for good student, mySafetyValet, bundled insurance, air bags, and defensive driver.
  • Nationwide may offer discounts for family plan, Farm Bureau membership, defensive driving, easy pay, and business or organization.
  • MetLife may have discounts that include multi-policy, claim-free, good student, good driver, accident-free, defensive driver
  • 21st Century has savings for driver training, good student, homeowners, defensive driver, teen driver, anti-lock brakes, and automatic seat belts.
  • Farmers Insurance policyholders can earn discounts including distant student, good student, pay in full, bundle discounts, and mature driver.
  • Allstate has discounts for anti-lock brakes, EZ pay plan discount, early signing, safe driver, and good student.

If you need inexpensive insurance coverage quotes, ask every insurance company how you can save money. Some of the discounts discussed earlier may not be offered in your area. To choose companies that can offer you the previously mentioned discounts, click here.

Educated choices result in lower insurance premiums

Many different elements are part of the calculation when you quote your car insurance policy. Some factors are common sense such as your driving history, but others are not quite as obvious like where you live or your vehicle rating.

  • An active policy claims history can cost you more – If you’re an insured who likes to file claims you shouldn’t be surprised to get either higher rates or even cancellation. Car insurance companies provide discounts to policyholders who only file infrequent claims. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
  • Your location is a factor – Residing in less populated areas of the country can be a good thing when trying to find low car insurance rates. Lower population corresponds to lower accident rates and also fewer theft and vandalism claims. Residents of big cities tend to have more road rage incidents and longer commutes to work. Longer commute distances can result in more accidents.
  • Gender impacts prices – Over time, data shows women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Females and males cause at-fault accidents in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Men also get cited for more serious violations like driving under the influence (DUI). Young males have the highest risk to insure and therefore have the most expensive auto insurance rates.
  • Teenage drivers pay higher rates – Inexperience drivers are proven to be inattentive and easily distracted with other occupants in the car and because of this, their auto insurance rates are much higher. Mature drivers are viewed as being more responsible, cause fewer claims and accidents , and usually have better credit.

When should I discuss my situation with an agent?

When buying the best auto insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Every situation is different so this has to be addressed. These are some specific questions could help you determine if your situation will benefit from professional help.

  • How can I get my company to pay me more for my totalled car?
  • Why does it cost so much to insure a teen driver?
  • I have a DUI can I still get coverage?
  • What is roadside assistance coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • How much can I save by bundling my policies?
  • Is pleasure use cheaper than using my 2014 Scion FR-S to commute?
  • Can I get a multi-policy discount?
  • Do I pay less if my vehicle is kept in my garage?
  • What is the difference between comprehensive and collision coverage?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Save $391 a year? Really?

Big name companies like 21st Century, Allstate and State Farm continually stream television, radio, and online ads. They all advertise the message that drivers will save a bundle just by moving to them. How does each company charge lower premium rates? Here is the trick they use.

Many companies quote their cheapest rates for the right customer that is profitable for them. An example of a profitable insured may need to be a female over age 40, has other policies, and drives less than 7,500 miles a year. Any new insured that matches those criteria receive the lowest rate quotes and as a result will probably save some money.

Drivers who fall outside these standards will probably be forced to pay more expensive rates which leads to the customer not buying. The ad wording is “people that switch” but not “everyone who gets a quote” save the amount stated. That is how insurance companies can confidently make those statements.

Because of the profiling, it’s extremely important to get price quotes at each policy renewal. Because without a comparison, you cannot know the company that will have better car insurance rates than you’re paying now.

Auto insurance coverages

Knowing the specifics of your policy can help you determine the best coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are the usual coverages available from insurance companies.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hitting a deer, falling objects and damage from flooding. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Scion FR-S.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

Liability insurance

Liability coverage can cover injuries or damage you cause to other’s property or people that is your fault. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as medical expenses, medical services, legal defense fees, bail bonds and court costs. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for collisions

Collision insurance will pay to fix damage to your FR-S resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as scraping a guard rail, sideswiping another vehicle, crashing into a ditch, hitting a mailbox and colliding with a tree. This coverage can be expensive, 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.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for expenses for nursing services, funeral costs, X-ray expenses, ambulance fees and pain medications. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Save for a rainy day

Cheap 2014 Scion FR-S insurance is possible from both online companies and with local insurance agents, so you need to shop insurance coverage with both so you have a total pricing picture. A few companies may not provide online price quotes and these smaller companies only sell coverage through independent insurance agencies.

In this article, we covered a lot of techniques to save on 2014 Scion FR-S insurance. The key thing to remember is the more price quotes you have, the better your comparison will be. Drivers may discover the lowest premium rates are with a company that doesn’t do a lot of advertising. They may cover specific market segments cheaper as compared to the big name companies such as Allstate and Progressive.

Additional information can be read below: