Compare 2016 Scion FR-S Car Insurance Cost

Shoppers have a choice when shopping for the lowest priced Scion FR-S insurance. You can either spend your time contacting agents getting price quotes or use the internet to compare rates.

There are more efficient ways to compare insurance rates and we’ll show you the quickest way to price shop coverage on a Scion and find the lowest possible price from both online companies and local agents.

How to compare free car insurance quotes

There are several ways to compare car insurance prices and some are less time-consuming than others. You can waste a few hours (or days) talking to local insurance agents in your area, or you could use the web to accomplish the same thing much quicker.

Many insurance companies participate in an industry program where insurance shoppers submit their information once, and every company returns a rated price based on the submitted data. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

To find out how much you’re overpaying now click here to start a free quote.

The only downside to pricing coverage this way is you are unable to specify the companies to get pricing from. If you wish to select individual companies to receive pricing from, we have a page of companies who write car insurance in your area. Click to view list.

It’s up to you how you get prices quotes, just be sure to compare nearly identical coverage data on every price quote you get. If your comparisons have different liability limits it will be nearly impossible to truly determine the lowest rate.

More discounts mean affordable premiums

Car insurance companies don’t list every disount available very clearly, so the below list has some of the more common as well as some of the hidden credits available to you. If you’re not getting every credit possible, you are not getting the best rate possible.

  • Multiple Cars – Drivers who insure multiple cars with the same insurance coverage company can reduce the rates for all insured vehicles.
  • Discounts for New Vehicles – Buying insurance on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Claim-Free Discount – Drivers who stay claim-free can earn big discounts compared to drivers who are more careless.
  • Discounts for Government Workers – Federal government employees can earn a discount up to 10% on FR-S coverage depending on your insurance coverage provider.
  • First Accident Forgiveness – but a handful of insurance companies permit an accident without getting socked with a rate hike if you have no claims for a particular time prior to the accident.
  • Discount for Swiching Early – A few insurance companies give discounts for switching policies prior to the expiration date on your current policy. It could save around 10% when you buy insurance online.

We need to note that some of the credits will not apply the the whole policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. Just because you may think it’s possible to get free car insurance, you won’t be that lucky.

Some companies that may offer policyholders these benefits include:

Check with every insurance company which discounts can lower your rates. Depending on the company, some discounts may not be available in your area.

It’s not one size fits all

When it comes to buying proper insurance coverage, there really is no best way to insure your cars. Every situation is different.

Here are some questions about coverages that might help in determining if your insurance needs would benefit from professional advice.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • What is no-fault insurance?
  • Am I covered when pulling a rental trailer?
  • How can I find cheaper teen driver insurance?
  • Am I covered if hit by an uninsured driver?
  • Are my friends covered when driving my car?
  • Why am I required to buy high-risk coverage?
  • Is pleasure use cheaper than using my 2016 Scion FR-S to commute?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.

Smart choices result in lower insurance costs

Consumers need to have an understanding of the different types of things that are used to determine your policy premiums. When you understand what determines premiums, this helps enable you to make changes that could result in much lower annual insurance costs. Many different elements are considered when pricing auto insurance. Some of the criteria are obvious such as traffic violations, although some other factors are more transparent like your vehicle usage and annual miles driven.

Listed below are a few of the things car insurance companies consider when setting prices.

  • Rural areas have lower premiums – Residing in areas with lower population has definite advantages when trying to find low car insurance rates. Fewer people means fewer accidents and lower theft and vandalism rates. Residents of big cities have to deal with much more traffic and a longer drive to work. The longer drive time means more chances of being involved in an auto accident.
  • Adjust coverage deductibles and save – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Scion from damage. Some instances where coverage would apply are a broken side mirror, flood damage, and burglary. The deductibles tell how much you are willing to pay before a claim is paid by your company. The more damage repair cost you pay before a claim is paid (deductible), the less your car insurance will be on FR-S coverage.
  • Vehicles with better crash test results save money – Safer cars tend to have better insurance rates. Vehicles built for safety protect occupants better and better occupant protection means lower claim amounts which can result in lower premiums.
  • Younger drivers pay more – More mature drivers tend to be more responsible, cost insurance companies less in claims and tend to be get fewer driving tickets.Young drivers are statistically shown to be inattentive with other occupants in the car therefore car insurance rates are much higher.

Why you might not save $401 a year

Drivers get pounded daily by advertisements that promise big savings for switching from companies such as Progressive, Allstate and GEICO. They all seem to state the claim of big savings if you move your insurance coverage coverage to their company.

Is it even possible that every company can claim to save you money? You have to listen carefully.

Insurance companies require specific criteria for the driver that makes them money. An example of this type of insured might be between 25 and 40, insures multiple vehicles, and drives newer vehicles. Any person that hits that “sweet spot” will get a cheap rate quote and most likely will cut their rates substantially.

Consumers who fall outside this ideal profile may be required to pay more expensive rates with the end result being business not being written. The ads say “drivers who switch” not “all people who quote” can get the lowest rates when switching. This is how companies can make claims like that.

This really illustrates why you really need to compare free insurance quotes often. It is just not possible to predict which company will fit you best based on your risk profile.

The coverage is in the details

Having a good grasp of your auto insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and coverage can change by endorsement.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage pay for expenses like nursing services, EMT expenses, rehabilitation expenses and ambulance fees. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as colliding with another moving vehicle, backing into a parked car, crashing into a ditch and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Liability coverage – This coverage protects you from damage that occurs to other’s property or people that is your fault. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims like court costs, medical expenses and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Uninsured or underinsured coverage – This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive protection – This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from a tornado or hurricane, theft, a tree branch falling on your vehicle, hitting a deer and hitting a bird. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Buy online or local, you save

When buying insurance coverage, it’s very important that you do not sacrifice coverage to reduce premiums. There are too many instances where someone dropped physical damage coverage to discover at claim time that they should have had better coverage. Your strategy should be to purchase a proper amount of coverage at the best cost, but do not skimp to save money.

In this article, we presented many tips how you can reduce 2016 Scion FR-S insurance prices online. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding inexpensive insurance. You may be surprised to find that the biggest savings come from some of the smallest insurance companies.

Some insurance companies may not offer internet price quotes and usually these regional insurance providers sell through independent insurance agents. Budget-friendly auto insurance is available on the web and also from your neighborhood agents, and you should compare price quotes from both in order to have the best chance of saving money.

Much more information about auto insurance is available at the links below