View 2015 Scion xB Insurance Cost

Being forced to pay for high-priced insurance premiums can bleed your personal savings and make it tough to pay other bills. Performing a price comparison is recommended to reduce premiums and put more money in your pocket.

Companies like Progressive, State Farm and GEICO persitently shower you with ad campaigns and consumers find it hard to not get sucked in by the cute commercials and do the work needed to find the best deal.

Compare quotes for car insurance

Effectively comparing car insurance prices is a ton of work if you aren’t aware of the most efficient way. You can spend your afternoon discussing policy coverages with insurance agencies in your area, or you can utilize online quoting to achieve your goal.

Most of the larger companies enroll in a system that allows shoppers to complete one form, and every company then returns a price quote based on the submitted data. This system prevents you from having to do form submissions for each company you want a rate for.

To access this free quoting program, click to open in new window.

The only drawback to getting quotes like this is buyers cannot specifically choose the insurers to receive prices from. So if you prefer to pick specific insurance companies to compare, we have a listing of companies who write car insurance in your area. Click here to view list.

The approach you take is up to you, just be sure to compare identical quote information for each comparison quote. If you compare different liability limits it will be very difficult to find the best deal for your Scion xB. Just slight variations in coverage limits may result in large price differences. And when comparison shopping, comparing more company’s prices helps increase your odds of locating better pricing. Some insurance companies are not set up to provide online price quotes, so you also need to get price estimates from them as well.

Take policy discounts and save

Insurance coverage is expensive, but there’s a good chance there are discounts that you may not know about. Some discounts will apply at the time of quoting, but less common discounts must be specially asked for before you will receive the discount.

  • Claim Free – Drivers who don’t have accidents pay much less as opposed to drivers who are more careless.
  • Accident Forgiveness Coverage – Not necessarily a discount, but some companies like Allstate and State Farm may permit one accident before they charge you more for coverage if you are claim-free for a specific time period.
  • Payment Method – By paying your entire bill at once as opposed to paying monthly you can avoid the installment charge.
  • Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off for xB coverage with some insurance coverage companies.
  • ABS and Traction Control Discounts – Vehicles that have steering control and anti-lock brakes can reduce accidents so companies give up to a 10% discount.
  • Telematics Data – Insureds who allow companies to analyze driving patterns through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they exhibit good driving behavior.
  • Smart Student Discounts – This discount can get you a discount of up to 25%. You can use this discount normally well after school through age 25.

You can save money using discounts, but some of the credits will not apply to the entire policy premium. Most only cut specific coverage prices like medical payments or collision. So when the math indicates all those discounts means the company will pay you, nobody gets a free ride.

A list of insurance coverage companies and some of the premium reductions they offer include:

  • GEICO has discounts for military active duty, anti-lock brakes, emergency military deployment, defensive driver, and five-year accident-free.
  • MetLife may offer discounts for accident-free, defensive driver, good student, multi-policy, good driver, and claim-free.
  • Progressive has savings for online signing, online quote discount, multi-policy, continuous coverage, good student, and multi-vehicle.
  • Travelers may include discounts for early quote, good student, home ownership, driver training, student away at school, multi-car, and save driver.
  • SAFECO discounts include anti-lock brakes, drive less, homeowner, multi-car, teen safe driver, bundle discounts, and accident prevention training.
  • AAA may have discounts that include education and occupation, good student, multi-policy, anti-theft, multi-car, pay-in-full, and good driver.

Check with each company which discounts you qualify for. Savings may not apply in your area. To view insurers offering insurance coverage discounts, click here to view.

Which policy gives me the best coverage?

When it comes to buying adequate coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that can aid in determining if your insurance needs may require specific advice.

  • What discounts do I qualify for?
  • Can I afford to buy a different vehicle if my 2015 Scion xB is totaled?
  • Do I have coverage when using my vehicle for my home business?
  • Is other people’s property covered if stolen from my vehicle?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Which companies will insure high-risk drivers?

If you can’t answer these questions, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Why informed consumers pay less for Scion xB insurance

Lots of factors are considered when pricing auto insurance. Most are fairly basic such as your driving history, but others are not as apparent like where you live or how safe your car is.

Listed below are some of the items that factor into your rate level.

  • Reduce auto insurance rates by driving safer vehicles – Vehicles with high crash test scores are cheaper to insure. These vehicles reduce the chance of injuries and any reduction in injury severity translates directly to fewer claims passed on to you as lower rates. If your Scion xB has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.
  • Allowing your auto insurance to lapse raises premiums – Driving without insurance is against the law and as a result your rates will increase for letting your insurance expire. Not only will you pay more, being ticketed for driving with no insurance might get you fines or a revoked license.
  • Keep auto insurance claims to a minimum – Companies generally give discounts to drivers who do not file claims often. If you file a lot of claims you can definitely plan on increased rates or even have your policy non-renewed. Auto insurance is meant to be used in the event of claims that pose a financial burden.
  • Your occupation may affect rates – Occupations like military generals, business owners and miners have higher premium rates due to intense work requirements and long work days. Other careers such as actors, athletes and homemakers get better rates for xB coverage.
  • Low credit rating equals high premiums – Having a good credit score can be a huge factor in calculating your auto insurance rates. If your credit score can use some improvement, you could pay less to insure your 2015 Scion xB if you improve your credit rating. Drivers with very good credit scores tend to be better risks to insure as compared to drivers with poor credit.
  • Younger drivers are expensive to insure – Youthful drivers are statistically shown to be less responsible when behind the wheel so they pay higher auto insurance rates. More experienced drivers are more responsible, tend to file fewer claims and receive fewer citations.
  • Theft deterrents save – Buying a car with anti-theft technology or alarm system can save you some money. Theft deterrent systems such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart vehicle theft.
  • Getting married pays dividends – Having a wife or husband may save some money when buying auto insurance. It demonstrates that you tend to be more financially stable and it’s proven that drivers who are married are more cautious.

What car insurance coverages do you need?

Learning about specific coverages of car insurance can be of help when determining appropriate coverage and proper limits and deductibles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average car insurance policy.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for immediate expenses such as ambulance fees, nursing services, surgery, dental work and prosthetic devices. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive insurance

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hail damage, falling objects and a broken windshield. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Scion xB.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Coverage for liability

Liability insurance provides protection from damages or injuries you inflict on a person or their property in an accident. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things such as medical expenses, funeral expenses, legal defense fees and court costs. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Collision protection

This will pay to fix damage to your xB from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as scraping a guard rail, crashing into a ditch and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Don’t be a big spender

Throughout this article, we presented some good ideas how you can reduce 2015 Scion xB insurance rates online. The most important thing to understand is the more price quotes you have, the higher your chance of finding affordable auto insurance. Consumers may even find the biggest savings come from a lesser-known regional company. Some small companies can often insure niche markets at a lower cost compared to the large companies like Allstate, GEICO and Progressive.

As you go through the steps to switch your coverage, you should never buy lower coverage limits just to save a few bucks. In many cases, someone dropped liability coverage limits only to regret that their decision to reduce coverage ended up costing them more. Your aim should be to buy a smart amount of coverage at a price you can afford and still be able to protect your assets.

More affordable car insurance is available from both online companies and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies don’t offer online rate quotes and many times these small insurance companies sell through local independent agents.

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