Compare 2014 Scion xD Insurance Cost

Are you drained from robbing Peter to pay Paul to insure your Scion every month? Your situation is no different than most other drivers.

There is such a variety of auto insurance companies to insure vehicles with, and though it is a good thing to be able to choose, so many choices can make it hard to find the best rates for your vehicles.

Consumers should take time to compare premium rates yearly because insurance prices change quite often. Just because you found the best rates on xD coverage on your last policy you may be paying too much now. Ignore everything you know about auto insurance because you’re about to find out how to use online quotes to find great coverage at a great price.

Lower rate quotes with these auto insurance discounts

Car insurance is not cheap, but you might find some hidden discounts that can help lower your rates. Certain credits will be shown when you complete an application, but lesser-known reductions have to be asked for in order for you to get them.

  • Save with More Vehicles Insured – Buying a policy with multiple cars on a single policy can reduce rates for all insured vehicles.
  • Driver Education Discount – Teen drivers should complete a driver education course if offered at their school.
  • No Charge for an Accident – Not a discount per se, but companies like Geico, State Farm, and Progressive permit an accident without getting socked with a rate hike so long as you are claim-free for a set time period.
  • College Student – Youth drivers who attend college more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • No Accidents – Claim-free drivers are rewarded with significantly better rates on insurance coverage quote in comparison to drivers with a long claim history.
  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and will save you 10% or more.
  • Seat Belts Save – Requiring all passengers to fasten their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Driver Training Discounts – Taking a defensive driver class could cut 5% off your bill if you qualify.
  • Multiple Policy Discount – If you insure your home and vehicles with one company they may give you a discount of approximately 10% to 15%.
  • Service Members Pay Less – Having a family member in the military could be rewarded with lower rates.

We need to note that most discount credits are not given to the entire cost. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears all those discounts means the company will pay you, nobody gets a free ride.

Large auto insurance companies and some of the premium reductions they offer are detailed below.

  • Geico may include discounts for military active duty, five-year accident-free, membership and employees, anti-theft, and seat belt use.
  • SAFECO offers discounts for teen safe driver, multi-car, anti-theft, anti-lock brakes, drive less, and bundle discounts.
  • State Farm discounts include multiple policy, safe vehicle, Steer Clear safe driver discount, defensive driving training, anti-theft, and student away at school.
  • MetLife has savings for good student, multi-policy, accident-free, defensive driver, claim-free, good driver
  • 21st Century may offer discounts for 55 and older, teen driver, good student, theft prevention, defensive driver, air bags, and homeowners.
  • Progressive includes discounts for multi-vehicle, online signing, multi-policy, continuous coverage, homeowner, and online quote discount.

Before buying, ask each insurance company how many discounts you can get. All car insurance discounts might not apply in your area. If you would like to see a list of companies who offer online auto insurance quotes, click here.

Buy insurance coverage online

When shopping for inexpensive insurance coverage quotes, there are a couple of ways to obtain and compare prices from all the different companies. The recommended way to find the lowest 2014 Scion xD rates is to perform an online rate comparison. This is quite simple and can be completed using a couple different methods.

The most efficient method to get the best comparison quotes is an all-inclusive rate comparison click here to open form in new window. This type of form eliminates the need for separate quotation requests for each price estimate. In just a few minutes this one form will return quotes direct from many companies.

A different way to find more affordable insurance requires a visit to each individual company website and go through the quote process again. For example, we’ll assume you want to see prices from Geico, Allstate and GMAC. In order to get each rate, you would have to navigate to each company’s site and enter your policy data, and that’s why the first method is more popular.

To view a list of companies in your area, click here.

Whichever method you choose, make sure you use nearly identical quote information for each quote you get. If you are comparing higher or lower deductibles you will not be able to truly determine the lowest rate. Just a small difference in limits can make a big difference in price. And when comparison shopping, comparing more quotes will increase your chances of finding the best offered rates.

Insurance coverage can get complicated

When it comes to choosing coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s needs are different so your insurance needs to address that. For example, these questions may help highlight whether or not you will benefit from professional help.

  • What can I do if my company denied a claim?
  • Is my babysitter covered when using my vehicle?
  • Why am I required to buy liability insurance?
  • Do I really need UM/UIM coverage?
  • Does coverage extend to a rental car in a foreign country?
  • Is my teenager covered with friends in the car?
  • What is the minimum liability in my state?
  • What is no-fault insurance?
  • If my 2014 Scion xD is totaled, can I afford another vehicle?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Information about specific coverages

Understanding the coverages of car insurance can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. These are typical coverage types found on the average car insurance policy.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your Scion xD.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for immediate expenses for doctor visits, chiropractic care, hospital visits and surgery. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision insurance

This pays for damage to your xD from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as sustaining damage from a pot hole, colliding with another moving vehicle, hitting a mailbox and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive insurance

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as theft, damage from getting keyed, rock chips in glass and falling objects. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability auto insurance

Liability coverage can cover damage that occurs to a person or their property. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, 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 total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers things such as attorney fees, pain and suffering and repair costs for stationary objects. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Shop Smart and Save

When shopping online for insurance coverage, you should never skimp on coverage in order to save money. There are too many instances where an accident victim reduced full coverage only to find out that it was a big error on their part. The ultimate goal is to purchase plenty of coverage for the lowest cost while still protecting your assets.

We covered some good ideas how to shop for 2014 Scion xD insurance online. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding cheaper insurance coverage. Consumers may even find the best car insurance rates are with the smaller companies. These smaller insurers may cover specific market segments cheaper than their larger competitors like State Farm and Allstate.

Additional information