2015 Scion FR-S Car Insurance Quotes

Trying to find the cheapest auto insurance rates for your Scion FR-S? Finding low cost premium rates on auto insurance might be very difficult for people new to online comparison shopping. With so many insurers available, it can be a real challenge to find the best premium rates.

It is always a good idea to quote other rates at least once a year since insurance prices go up and down regularly. Despite the fact that you may have had the lowest rates on FR-S insurance a year ago you can probably find a better rate quote now. Ignore everything you know about auto insurance because you’re about to find out how to quote online to lower your rates without sacrificing coverage.

How to get free insurance quotes online

There are multiple methods to shop for insurance, and some are more efficient than others. You could waste a few hours discussing policy coverages with insurance companies in your area, or you could use the web to accomplish the same thing much quicker.

Most major companies belong to a marketplace that enables customers to only type in their quote data once, and each company then returns a price quote based on that data. This prevents consumers from doing quote forms to every company.

To find out what other companies charge click here to open in new window.

The only downside to using this type of form is buyers cannot specifically choose which providers you want to price. So if you want to choose individual companies to request quotes from, we have assembled a list of insurance companies in your area. View list of insurance companies.

Compare rates however you want, just make absolute certain that you use equivalent quote data for every quote you compare. If you have different deductibles it’s not possible to determine the best price for your Scion FR-S. Having just a slight variation in coverages can result in a big premium difference. Just remember that comparing all the rates in your area increases the change that you will find the best rates.

When should I discuss my situation with an agent?

When it comes to buying adequate coverage for your personal vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions could help you determine if you might need professional guidance.

  • Is my dog or cat covered if injured in an accident?
  • Which is better, split liability limits or combined limits?
  • Is my 2015 Scion FR-S covered for smoke damage?
  • Can I rent a car in Mexico?
  • How do I insure my teen driver?
  • Do I need PIP coverage since I have good health insurance?
  • If my 2015 Scion FR-S is totaled, can I afford another vehicle?
  • When should I buy a commercial auto policy?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form.

Specific coverage details

Learning about specific coverages of insurance can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like fire damage, a broken windshield, damage from flooding, damage from getting keyed and theft. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision coverages – This will pay to fix damage to your FR-S caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as colliding with another moving vehicle, backing into a parked car, rolling your car and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Scion FR-S.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Usually these coverages do not exceed the liability coverage limits.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like ambulance fees, surgery and hospital visits. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Liability coverage – Liability coverage will cover damages or injuries you inflict on other people or property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has 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 limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as medical expenses, pain and suffering, legal defense fees and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.