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Scion IM Insurance Rates

Shopping for auto insurance by getting online quotes is simple to do and there is a good chance you will probably save money. The critical component is to take the time to get rates from all companies in order to have all your choices.

Comparing auto insurance rates direct online can be a challenge if you have never used online quotes. But don't be discouraged because there is an easy way to compare rates. Getting cheaper insurance rates can be relatively painless. The only requirement is to invest a few minutes comparing rates online with multiple companies. This is very easy and can be done by comparing rates here.

Insurance rates on a Scion iM can vary widely subject to many criteria. Some of these factors include:

  • Traffic citations increase rates
  • Credit rating
  • Where you reside can make a big difference
  • The number of annual miles
  • Male drivers pay higher rates
  • Deductible amount directly impacts your rate
  • Safety rating of your iM
  • No claims lowers premiums
  • Having current coverage saves
  • Whether you own your home

One last important factor that will help determine the rate you pay on your Scion is the year of manufacture. Newer models have a higher replacement value so the payout to repair can inflate annual premiums. On the flip side, new Scion models may have options like traction control, tire pressure monitors, a collision avoidance system, and a telematics system which can lower rates.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle below.

Liability

iM liability coverage provides protection from damage that occurs to people or other property by causing an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so purchase higher limits if possible.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your iM can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper iM insurance rates.

Comprehensive or Other Than Collision

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum payout you'll receive from a claim is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle's occupants when other motorists either have no liability insurance or not enough. Due to the fact that many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay.

How Much are Scion iM Insurance Rates?