2016 Scion FR-S Car Insurance Cost – 9 Tips for Cheaper Prices

Consumers have lots of choices when looking for low-cost Scion FR-S insurance. They can either spend hours driving around to compare prices or save time using the internet to get rate quotes.

There is a better way to shop for auto insurance so you’re going to learn the absolute fastest way to quote coverages for a Scion and locate the lowest price from local insurance agents and online providers.

Low cost insurance coverage prices

There are a lot of ways you can shop for insurance coverage and some are less time-consuming than others. You can spend countless hours driving to insurance agencies in your area, or you could save time and use the web to quickly compare rates.

Most of the best insurance companies are enrolled in a marketplace that enables customers to submit one quote, and each company then gives them pricing based on that information. This system prevents you from having to do quotation requests to every company.

To find out how much you can save on insurance coverage click here to open in new window.

The one disadvantage to comparing rates this way is you don’t know exactly which providers to receive prices from. So if you want to choose specific insurance companies to compare, we have a page of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

Compare rates however you want, just be sure to compare the exact same coverage information for each quote you get. If you enter higher or lower deductibles you can’t possibly make a fair comparison for your Scion FR-S.

How to know if you need help

When it comes to choosing adequate coverage, there isn’t really a one size fits all plan. Every situation is different.

Here are some questions about coverages that could help you determine if your insurance needs might need an agent’s assistance.

  • Am I missing any policy discounts?
  • What is roadside assistance coverage?
  • What should my uninsured motorist coverage limits be in my state?
  • Does my insurance cover my expensive audio equipment?
  • What is the difference between comprehensive and collision coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Are there companies who specialize in insuring high-risk drivers?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Parts of your car insurance policy

Understanding the coverages of your car insurance policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as fire damage, hail damage, damage from a tornado or hurricane and hitting a bird. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage protection

This coverage covers damage to your FR-S resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a mailbox, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Medical expense coverage

Med pay and PIP coverage pay for expenses for things like X-ray expenses, EMT expenses and dental work. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Liability

This coverage protects you from injuries or damage you cause to other people or property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Occasionally you may see a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like medical services, medical expenses and structural damage. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Scion FR-S.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits do not exceed the liability coverage limits.