2015 Scion xB Car Insurance Cost – 9 Ways to Save

Locating better insurance prices for a new or used Scion xB can be an all-consuming task, but you can learn our insurance buying tips to save time. There are both good and bad ways to buy insurance so you’re going to learn the quickest way to get price quotes for your Scion and locate the cheapest rates either online or from local insurance agents.

It’s a good idea to shop coverage around every six months since insurance prices tend to go up over time. Even if you got the best rates for xB insurance six months ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because you’re going to get a crash course in how to use online quotes to reduce your cost while increasing coverage.

Finding the best rates is easy if you know what you’re doing. If you are insured now or need new coverage, you can learn to shop for the lowest rates while maintaining coverages. Vehicle owners just need to learn how to shop for auto insurance online.

How to find low cost car insurance

Most larger insurance companies provide pricing from their websites. Getting online rates doesn’t take much effort as you simply type in your required coverages into a form. After you complete the form, their rating system sends out for your credit score and driving record and generates a price determined by many factors.

This makes it easy to compare insurance prices but the work required to visit a lot of sites and type in the same information is not the best way to spend an afternoon. But it’s very important to perform this step if you want to get the lowest price.

The easy way to compare rates

A quicker way to find better car insurance pricing utilizes a single form that gets prices from several different companies. This type of form saves time, eliminates repetitive work, and makes online price comparison much easier. Immediately after you send the form, your coverage is rated and you are able to buy any or none of the pricing results. If the quotes result in lower rates, you can click and sign and buy the policy. The whole process can be completed in less than 10 minutes and may result in a nice savings.

To quickly compare rates using this form now, click here to open in a new tab and complete the simple form. If you currently have coverage, we recommend you copy deductibles and limits as shown on your current policy. This ensures you will have rate comparison quotes using the exact same coverages.

Do drivers who switch really save $457 a year?

Consumers can’t escape the ads for insurance coverage savings by companies like Allstate and Progressive. All the ads try to convey promises of big savings if you move to them.

That’s great but how can every company give you a better price? It’s all in the words they use.

Companies quote their cheapest rates for the type of driver that will be a good risk. One example of this type of insured might be described as between the ages of 40 and 55, has no tickets, and drives a car with an anti-theft system. A customer getting a price quote who meets those qualifications will get low car insurance rates and have a good chance to save when switching.

Potential insureds who do not fit this stringent profile will be quoted a higher rate which leads to the customer buying from a different company. If you pay attention, the ads say “drivers that switch” not “everyone who quotes” save that much money. That is how companies can make the claims of big savings. Because of the profiling, drivers should compare as many free auto insurance quotes as you can. It is impossible to predict the company that will fit you best based on your risk profile.

Insurance Discounts

The cost of insuring your cars can be expensive, but you might already qualify for some discounts that can help lower your rates. Some trigger automatically at the time of purchase, but some must be asked about before they will apply.

  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems have a lower chance of being stolen and will qualify for a discount on a auto insurance quote.
  • Discounts for Seat Belt Usage – Requiring all passengers to fasten their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Membership in Organizations – Belonging to certain professional organizations is a good way to get lower rates when shopping for insurance.
  • Active Service Discounts – Having a family member in the military could mean lower rates.
  • Safe Driver Discount – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for xB insurance than less cautious drivers.
  • Home Ownership Discount – Simply owning a home can get you a discount because owning a home requires a higher level of personal finance.
  • Driving Data Discount – Policyholders that allow their insurance company to spy on driving manner through the use of a telematics system like Allstate’s Drivewise might see lower rates if they are good drivers.
  • Braking Control Discount – Cars that have anti-lock braking systems are safer to drive and the ABS can save up to 10%.
  • Buy New and Save – Adding a new car to your policy can cost up to 25% less because newer vehicles keep occupants safer.

Just know that some credits don’t apply to your bottom line cost. Some only apply to the price of certain insurance coverages like medical payments or collision. Just because it seems like all the discounts add up to a free policy, that’s just not realistic.

Some of the insurance companies who may offer some of the discounts shown above include:

If you need lower rates, check with every prospective company to apply every possible discount. All car insurance discounts might not be available to policyholders in your area.

Tailor your insurance coverage to you

When choosing the best insurance coverage, there isn’t really a cookie cutter policy. Every situation is different.

Here are some questions about coverages that may help you determine whether you might need an agent’s assistance.

  • Does insurance cover tools stolen from my truck?
  • Does my 2015 Scion xB qualify for pleasure use?
  • What are the financial responsibility laws in my state?
  • What can I do if my company won’t pay a claim?
  • Are my friends covered when driving my car?
  • Can I still get insurance after a DUI?
  • Is extra glass coverage worth it?
  • Do I really need UM/UIM coverage?
  • How high should deductibles be on a 2015 Scion xB?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverages

Learning about specific coverages of insurance helps when choosing the right coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Scion xB.

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. So UM/UIM coverage is very important.

Comprehensive insurance – This coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as vandalism, hail damage, fire damage and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage – Collision insurance pays for damage to your xB resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with a tree, backing into a parked car and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Liability coverage – This can cover injuries or damage you cause to a person or their property in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims such as structural damage, repair bills for other people’s vehicles, medical services and medical expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for short-term medical expenses like dental work, ambulance fees, EMT expenses and prosthetic devices. They are used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Spend less. Save more.

While you’re price shopping online, you should never buy less coverage just to save a little money. There are too many instances where someone dropped comprehensive coverage or liability limits and discovered at claim time that it was a big mistake. Your goal should be to get the best coverage possible at the best price, not the least amount of coverage.

We just presented a lot of techniques to get a better price on 2015 Scion xB insurance. The most important thing to understand is the more rate quotes you have, the better likelihood of getting inexpensive auto insurance. You may even discover the lowest rates are with a lesser-known regional company.

Budget-conscious 2015 Scion xB insurance can be sourced online in addition to many insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some auto insurance companies may not have online quoting and many times these regional insurance providers work with independent agents.

More tips and info about auto insurance can be found by following these links: