Compare 2014 Scion tC Car Insurance Quotes

Think you have high-priced insurance? Don’t feel bad because there are lots of residents who feel the same.

Due to the large number of companies to choose from, it is hard for the average consumer to locate the most cost effective insurance provider.

It’s a good habit to compare prices before your next renewal because prices are variable and change quite frequently. Despite the fact that you may have had the best rate on tC coverage a year ago there is a good chance you can find better premium rates now. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the tricks you need to know to find great coverage at a great price.

How to compare insurance coverage quotes

There are several ways to compare quotes from many insurance coverage companies in your state. The easiest way to lower the rate you pay for 2014 Scion tC insurance is to perform an online rate comparison. This can be done by using one of the methods below.

  1. The easiest and least time consuming way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This quick form keeps you from doing separate forms to each individual insurance coverage company. A single form will return price quotes from insurance coverage companies with the best prices.
  2. A less efficient way to find more affordable insurance is going to each individual company website to request a price quote. For sake of this example, let’s say you are doing a rate comparison from Auto-Owners, GEICO and Farmers. You would have to go to each individual site and type in your information over and over, which is not fast way to get rate quotes.

    For a list of links to companies insuring cars in your area, click here.

Whichever method you choose, be sure you’re using exactly the same coverage limits for each comparison quote. If you use different limits and deductibles on each one you will not be able to truly determine the lowest rate. Just slight variations in insurance coverages or limits may result in large price differences. Just keep in mind that comparing a wide range of rates will enable you to find lower pricing. Not every company does price estimates online, so you need to compare price quotes on coverage from those companies, too.

Save a ton with discounts

Insurance can cost an arm and a leg, but you may find discounts to cut the cost considerably. Certain reductions will be credited when you complete an application, but some must be specially asked for before they will apply.

  • Switch and Save Discount – Some auto insurance companies provide a discount for buying a new policy before your current policy expires. It could save around 10% when you buy car insurance online.
  • ABS and Traction Control Discounts – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
  • Discounts for Federal Employees – Active or retired federal employment can save as much as 8% on tC coverage with a few auto insurance companies.
  • Student in College – Youth drivers who live away from home to go to college and do not take a car to college could qualify for this discount.
  • Accident-Free Discounts – Insureds with no claims or accidents have much lower rates when compared to drivers with a long claim history.
  • Senior Citizen Rates – If you qualify as a senior citizen, you are able to get reduced rates on tC coverage.

Please keep in mind that most of the big mark downs will not be given to the entire cost. Most only cut individual premiums such as comp or med pay. So when it seems like you can get free auto insurance, you won’t be that lucky. But all discounts should help reduce the cost of your policy.

Larger auto insurance companies and their offered discounts are detailed below.

  • Farm Bureau offers premium reductions for good student, youthful driver, driver training, multi-vehicle, 55 and retired, renewal discount, and multi-policy.
  • State Farm discounts include defensive driving training, driver’s education, passive restraint, good student, and student away at school.
  • Progressive offers discounts including online quote discount, good student, multi-policy, multi-vehicle, online signing, homeowner, and continuous coverage.
  • Allstate offers discounts for utility vehicle, eSmart discount, early signing, good payer, anti-theft, EZ pay plan discount, and auto/life discount.
  • Nationwide includes discounts for multi-policy, accident-free, easy pay, family plan, anti-theft, and business or organization.
  • MetLife policyholders can earn discounts including multi-policy, good driver, claim-free, accident-free, and good student.

When quoting, ask each company or agent how you can save money. Some of the earlier mentioned discounts might not be available to policyholders in every state. To see providers that offer multiple discounts, click here to view.

What is the best auto insurance coverage?

When choosing proper insurance coverage for your vehicles, there really is no “perfect” insurance plan. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions can aid in determining if your situation would benefit from an agent’s advice.

  • What exactly is covered by my policy?
  • What happens if I owe more than my 2014 Scion tC is worth?
  • How can I find cheaper teen driver insurance?
  • When should I drop full coverage on my 2014 Scion tC?
  • Can I make deliveries for my home business?
  • Is my camper covered by my car insurance policy?
  • How do I insure my teen driver?
  • Do I need special endorsements for business use of my vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Why you might pay inflated rates

Consumers need to have an understanding of the rating factors that play a part in calculating the level of your policy premiums. If you have some idea of what determines base rates, this enables informed choices that can help you get lower premium levels. Lots of things are part of the equation when premium rates are determined. Some of the criteria are obvious like your driving record, although others are more transparent like your continuous coverage or your vehicle rating.

  • More stress means more cost – Did you know that where you work can have an impact on rates? Careers such as fire fighters, architects and emergency personnel have higher rates than average due to stressful work requirements and lots of time spent away from family. Other professions such as farmers, athletes and performers get better rates on tC coverage.
  • Safer the car lower the rate – Safe vehicles are cheaper to insure. Vehicles engineered for safety help reduce the chance of injuries in an accident and any reduction in injury severity means less money paid by your insurance company and lower rates for you. If your Scion tC is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • High comp and collision deductibles save money – Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your Scion from damage. Some examples of claims that would be covered could be a dented fender, damage caused by hail, and damage from a fallen tree branch. The deductibles you choose define the amount you are required to pay before a claim is paid by your company. The more money you choose to pay out-of-pocket, the less your insurance coverage will be on tC coverage.
  • Accidents increase prices – Only having one ticket could increase your next policy renewal to the point where it’s not affordable. Drivers who don’t get tickets pay lower auto insurance prices compared to drivers with tickets. Drivers who have license-revoking citations like DWI, reckless driving or hit and run convictions may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
  • Save by driving less – Driving a lot of miles annually the higher the price you pay to insure it. The majority of insurers calculate rates based on their usage. Cars that sit idle most of the time receive lower rates than cars that get driven a lot. Having an incorrect usage rating on your tC can result in significantly higher rates. Make sure your vehicle rating properly reflects how each vehicle is driven, because improper ratings can cost you money.
  • Extra coverages that aren’t used – Insurance companies have many extra bells and whistles you can purchase on your tC policy. Insurance for things like vanishing deductibles, towing coverage, and motor club memberships may not be needed and are just wasting money. These may sound like a good investment when buying your policy, but if you don’t need them think about removing them and cutting costs.
  • Discounts for married couples – Being married may save some money on your insurance coverage policy. Having a significant other means you’re more mature and statistics show married drivers get in fewer accidents.

Car insurance advertising gotchas

Well-known car insurance companies like 21st Century, Allstate and State Farm constantly bombard you with television and radio advertisements. All the companies tend to make the same promise about saving some big amount if you move to them. But how can every company charge less that you’re paying now? Just pay attention to how they say it.

Most companies require specific criteria for the type of customer that makes them money. One example of a driver they prefer could be over the age of 45, carries high limits, and drives a lower-performance vehicle. A customer that fits those parameters will probably get cheap rates and is almost guaranteed to save quite a bit of money when switching.

Drivers who cannot meet the requirements will be charged a more expensive rate and this can result in the prospect going elsewhere. The ads state “customers that switch” but not “all drivers who get quotes” save that much. That’s the way insurance companies can confidently make it sound like they have such great rates. Because each company has a different risk profile, you really need to get price quotes at each policy renewal. It’s not possible to predict which company will have the lowest rate quotes.

Auto insurance coverage specifics

Knowing the specifics of a auto insurance policy aids in choosing the best coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. Below you’ll find the normal coverages available from auto insurance companies.

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability coverages – This can cover injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage pays for claims such as medical services, emergency aid and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Medical expense insurance – Med pay and PIP coverage reimburse you for expenses like rehabilitation expenses, X-ray expenses, dental work, surgery and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive (Other than Collision) – Comprehensive insurance coverage covers 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 can pay for claims such as falling objects, damage from a tornado or hurricane, rock chips in glass and theft. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverages – Collision insurance covers damage to your tC resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like colliding with another moving vehicle, colliding with a tree, scraping a guard rail and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Take this to the bank

We just showed you some good ideas how you can compare 2014 Scion tC insurance prices online. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. Consumers may even find the best prices are with a company that doesn’t do a lot of advertising. Smaller companies often have lower rates on specific markets than their larger competitors like Progressive and GEICO.

When trying to cut insurance costs, it’s a bad idea to skimp on coverage in order to save money. There have been many situations where drivers have reduced physical damage coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase plenty of coverage at the best cost.

Much more information about car insurance can be found below: