Lower Your 2004 Scion xA Car Insurance Cost

If you’re new to shopping for auto insurance quotes online, most likely you are confused of insurance providers offering coverage.

Shopping for the best auto insurance coverage is easy if you know what you’re doing. Just about every driver who is required by state law to have auto insurance will most likely be able to cut their insurance bill. But car owners do need to learn how insurance companies determine prices and take advantage of how the system works.

Affordable auto insurance rates with discounts

Not many people think insurance is cheap, but you may find discounts that you may not even know about. Certain discounts will be triggered automatically at quote time, but once in a while a discount must be specially asked for in order for you to get them.

  • Theft Deterent Discount – Cars equipped with tracking devices and advanced anti-theft systems can help prevent theft and that can save you a little bit as well.
  • Multi-Vehicle Discounts – Having primary and secondary vehicles with one company can reduce the rates for all insured vehicles.
  • Homeowners Pay Less – Just owning your own home can get you a discount due to the fact that maintaining a home demonstrates responsibility.
  • Discounts for Government Workers – Being employed by or retired from a federal job can save as much as 8% on xA coverage with select insurance companies.
  • Defensive Driver – Taking time to complete a course that instructs on driving safety is a good idea and can lower rates and also improve your driving technique.
  • Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a break if you buy a life insurance policy as well.
  • Claim-Free Discount – Drivers with accident-free driving histories have much lower rates as compared to frequent claim filers.

One last thing about discounts, most of the big mark downs will not be given to the entire cost. Some only apply to the cost of specific coverages such as comprehensive or collision. Just because you may think you would end up receiving a 100% discount, it just doesn’t work that way. But all discounts will help reduce your overall premium however.

The best auto insurance companies and a partial list of their discounts include:

  • State Farm discounts include safe vehicle, Steer Clear safe driver discount, defensive driving training, good driver, and passive restraint.
  • Geico may have discounts that include anti-lock brakes, daytime running lights, membership and employees, five-year accident-free, good student, multi-policy, and anti-theft.
  • SAFECO offers discounts for bundle discounts, drive less, anti-theft, homeowner, teen safe driver, and multi-car.
  • Farmers Insurance offers premium reductions for homeowner, early shopping, alternative fuel, electronic funds transfer, and teen driver.
  • AAA may offer discounts for anti-theft, education and occupation, pay-in-full, multi-policy, AAA membership discount, good driver, and good student.
  • USAA includes discounts for multi-policy, safe driver, family discount, annual mileage, good student, and new vehicle.

If you need lower rates, check with every insurance company which discounts you qualify for. Some of the earlier mentioned discounts might not be available to policyholders in your area. If you would like to choose from a list of insurers who offer discounts, click this link.

How much is car insurance?

Most companies like 21st Century, Allstate and State Farm allow consumers to get prices for coverage from their websites. Getting online rates is fairly simple as you simply type in your required coverages into a form. Behind the scenes, the company’s rating system automatically orders reports for credit and driving violations and generates a price based on the data you entered.

Online price quotes makes it simple to compare prices but having to visit several different sites and type in the same information is not the best way to spend an afternoon. Unfortunately, it is important to get many rate quotes in order to find better car insurance pricing.

The easy way to compare rates

A more efficient way to locate the lowest prices makes use of a single form that analyzes rates from many companies. This type of form saves time, helps eliminate reptitive entry, and makes price shopping online much more enjoyable. As soon as the form is sent, your coverage is rated with multiple companies and you can pick any of the quote results.

If you find a better price it’s easy to complete the application and purchase coverage. It only takes a few minutes and may result in a nice savings.

If you want to find out how much you can save on car insurance, simply click here to open in new window and enter your information. If you have your current policy handy, we recommend you complete the form with the insurance coverages as close as possible to your current policy. This way, you are getting rate quotes for exact coverage.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage, there isn’t really a perfect coverage plan. Every situation is different.

Here are some questions about coverages that might point out if you would benefit from professional advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I have coverage when using my vehicle for my home business?
  • Is my Scion xA covered if I use it for business?
  • Is my babysitter covered when using my vehicle?
  • Will filing a claim cost me more?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form.

Car insurance coverages explained

Understanding the coverages of car insurance can help you determine the best coverages for your vehicles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Liability coverages – Liability coverage protects you from damage that occurs to a person or their property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as legal defense fees, medical services, bail bonds and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured or underinsured coverage – Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your Scion xA.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time the UM/UIM limits are set the same as your liablity limits.

Comprehensive protection – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as rock chips in glass, a broken windshield, damage from a tornado or hurricane, damage from flooding and hail damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverages – This coverage pays to fix your vehicle from damage from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like scraping a guard rail, colliding with another moving vehicle and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Medical expense coverage – Med pay and PIP coverage reimburse you for immediate expenses such as nursing services, funeral costs and chiropractic care. They are used in conjunction with a health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Shop around and save

Throughout this article, we presented a lot of ways to save on 2004 Scion xA insurance. The key concept to understand is the more you quote auto insurance, the better your comparison will be. You may even find the lowest premium rates come from a company that doesn’t do a lot of advertising.

People who switch companies do it for any number of reasons including delays in responding to claim requests, high rates after DUI convictions, unfair underwriting practices and poor customer service. Regardless of your reason for switching companies, finding the right auto insurance provider is not as hard as you think.

Some auto insurance companies don’t offer online quoting and these small insurance companies provide coverage only through independent insurance agencies. Lower-priced auto insurance can be bought on the web as well as from independent agents, so compare prices from both so you have a total pricing picture.

Much more information about auto insurance can be found on the following sites: