2013 Scion FR-S Insurance Cost – 6 Ways to Save

Searching for the cheapest insurance for your Scion FR-S could be an all-consuming task, but you can learn our insurance coverage buying tips to save time. There are more efficient ways to compare insurance coverage rates so we’re going to tell you the absolute fastest way to price shop coverage for your Scion and find the cheapest rates from both online companies and local agents.

Consumers should take time to take a look at other company’s rates yearly because insurance prices change quite often. Even if you think you had the best rates for FR-S coverage six months ago the chances are good that you can find a lower premium rate today. There is too much inaccurate information about insurance coverage out there, but I’m going to show you a lot of great tips on how to find cheap insurance coverage.

How to get auto insurance price quotes

Effectively comparing auto insurance prices can take hours if you don’t understand the most efficient way. You can waste hours talking to insurance agencies in your area, or you could save time and use the internet to achieve your goal.

Most major companies belong to a marketplace where insurance shoppers submit one quote, and each participating company then returns a price quote based on that data. This system prevents you from having to do quotation requests for each company.

To get comparison pricing now click here to start a free quote.

The one disadvantage to using this type of system is you can’t choose the insurers to receive prices from. If you prefer to choose specific insurance companies for rate comparison, we have assembled a list of low cost auto insurance companies in your area. Click to view list.

However you get your quotes, make sure you are using the same information with every price quote. If you compare differing limits it’s not possible to make a fair rate comparison.

Insurance coverage companies offer many discounts

Insuring your fleet can be pricey, but you might find some hidden discounts that can help lower your rates. A few discounts will be applied at the time of purchase, but some discounts are required to be asked for before being credited. If you do not check that you are getting every discount possible, you could be paying more than you need to.

• Defensive Driver – Successfully completing a safe driver class can save you 5% or more depending on where you live.
• Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts up to 30%.
• Multi-car Discount – Drivers who insure primary and secondary vehicles on a single policy can reduce rates for all insured vehicles.
• No Accidents – Drivers who stay claim-free can save substantially as opposed to accident-prone drivers.
• New Vehicle Savings – Buying a new car instead of a used car can get you a discount because newer models keep occupants safer.
• Employee of Federal Government – Federal government employees could qualify for a slight premium decrease for FR-S coverage depending on your company.

It’s important to understand that some credits don’t apply to all coverage premiums. Most only cut individual premiums such as liability and collision coverage. Even though the math looks like all the discounts add up to a free policy, companies don’t profit that way.

To locate companies offering insurance coverage discounts, click here.

Do I just need basic coverages?

When choosing adequate coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s needs are different.

For example, these questions may help you determine whether or not you could use an agent’s help.

• When would I need rental car insurance?
• Can I pay claims out-of-pocket if I buy high deductibles?
• What is the minimum liability in my state?
• How high should my uninsured/underinsured coverage be in my state?
• Will my rates increase for filing one claim?
• Can I afford low physical damage deductibles?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.

Car insurance coverage information

Understanding the coverages of insurance helps when choosing the best coverages for your vehicles. Insurance terms can be ambiguous and reading a policy is terribly boring.

Medical expense coverage – Coverage for medical payments and/or PIP provide coverage for immediate expenses like EMT expenses, nursing services, pain medications, X-ray expenses and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Uninsured or underinsured coverage – This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 2013 Scion FR-S.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Collision coverage – Collision coverage pays for damage to your FR-S from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like crashing into a building, rolling your car and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Coverage for liability – Liability insurance provides protection from damage that occurs to other people or property by causing an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things like medical expenses, medical services, funeral expenses, loss of income and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Comprehensive protection – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like rock chips in glass, hitting a bird, damage from a tornado or hurricane, hitting a deer and vandalism. The highest amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.