2006 Scion xB Insurance Rates

Trying to find the cheapest insurance rates? Buyers have lots of choices when searching for low-cost Scion xB insurance. They can either spend hours calling around trying to get quotes or save time using the internet to find the lowest rates. There is a better way to shop for insurance so we’re going to tell you the proper way to price shop coverage for your Scion and locate the lowest price from local insurance agents and online providers.

It’s smart to quote other rates as often as possible because insurance prices are rarely the same from one policy term to another. If you had the lowest price for xB insurance a year ago a different company probably has better rate quotes today. Block out anything you think you know about insurance because I’m going to teach you how to use online quotes to save on insurance.

Find hidden discounts to get affordable insurance rates

Some insurance providers don’t always list all possible discounts in an easy-to-find place, so we researched some of the more common and also the more inconspicuous savings tricks you should be using when you buy insurance online.

• Professional Memberships – Joining a qualifying organization could earn you a nice discount on your policy.
• No Claims – Good drivers with no accidents are rewarded with significantly better rates on insurance quote in comparison with insureds who have frequent claims or accidents.
• Pay Early and Save – By paying your entire bill at once rather than paying in monthly installments you can actually save on your bill.
• Drivers Education – Have your child take driver’s ed class as it will make them better drivers and lower rates.
• Multi-line Discount – Larger insurance companies have a discounted premium rate on car insurance if you buy some life insurance in addition to your auto policy.
• Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
• Theft Deterent System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems have a lower chance of being stolen and earn discounts up to 10% off your insurance quote.
• Homeowners Pay Less – Owning your own home or condo may earn you a small savings because it is proof of financial responsibility.
• Distant Student Discount – Youth drivers who attend college more than 100 miles from home and won’t have access to an insured vehicle could qualify for this discount.

A little disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Most only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, insurance companies aren’t that generous.

The best insurance companies and some of their more popular discounts are outlined below.

• State Farm has savings for multiple policy, safe vehicle, driver’s education, anti-theft, and Steer Clear safe driver discount.
• American Family offers discounts for good student, accident-free, good driver, bundled insurance, air bags, and TimeAway discount.
• AAA discounts include multi-policy, pay-in-full, good student, AAA membership discount, education and occupation, good driver, and anti-theft.
• Geico includes discounts for federal employee, five-year accident-free, air bags, membership and employees, and multi-policy.
• Mercury Insurance may include discounts for professional/association, multi-car, location of vehicle, low natural disaster claims, accident-free, good driver, and age of vehicle.
• Farmers Insurance has discounts for alternative fuel, teen driver, distant student, youthful driver, good student, electronic funds transfer, and multi-car.
• Progressive may have discounts that include good student, homeowner, online signing, online quote discount, multi-policy, multi-vehicle, and continuous coverage.

When getting a coverage quote, ask each company which discounts you may be entitled to. Some credits may not apply to policies in your area. For a list of insurers offering insurance discounts, click this link.

Which car insurance is cheapest?

There are multiple methods to shop for car insurance, but some are less labor-intensive and much quicker. You could waste a few hours talking to insurance agencies in your area, or you can utilize the internet to achieve your goal.

The majority of car insurance companies participate in an industry program where insurance shoppers complete one form, and every company returns a rated price for coverage. This eliminates the need for quote forms for each company you want a rate for.

To find out what other companies charge click here to start a free quote.

The one disadvantage to comparing rates this way is you can’t choose which insurance companies you want pricing from. So if you want to choose specific providers to request quotes from, we have a page of the cheapest car insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but be certain you are entering the exact same coverages on every quote you get. If you are comparing different limits and deductibles on each one it will be nearly impossible to decipher which rate is best.

Tailor your auto insurance coverage to you

When buying coverage for your personal vehicles, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight if your situation would benefit from an agent’s advice.

• What if I don’t agree with a claim settlement offer?
• Is my teenager covered with friends in the car?
• Am I missing any policy discounts?
• Am I covered when driving in Canada or Mexico?
• Am I covered by my spouse’s policy after a separation?
• Do I have coverage if my license is suspended?
• Do I pay less if my vehicle is kept in my garage?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and you can get the answers you need.

Specific coverages for a Scion xB

Understanding the coverages of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement.

Comprehensive coverage

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, a tree branch falling on your vehicle, rock chips in glass, hitting a deer and theft. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability auto insurance

This can cover damage that occurs to other people or property that is your fault. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things such as repair costs for stationary objects, structural damage and medical services. How much coverage you buy is your choice, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for bills such as X-ray expenses, dental work, pain medications, EMT expenses and ambulance fees. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision coverage will pay to fix damage to your xB resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like driving through your garage door, hitting a mailbox, crashing into a ditch, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Compare but don’t skimp

Drivers switch companies for many reasons like unfair underwriting practices, an unsatisfactory settlement offer, delays in responding to claim requests or even lack of trust in their agent. Regardless of your reason, switching insurance coverage companies can be less work than you think.

When you buy insurance online, never buy less coverage just to save a little money. There are a lot of situations where an accident victim reduced comprehensive coverage or liability limits and learned later that it was a big error on their part. The aim is to purchase a proper amount of coverage for the lowest price, but don’t skip important coverages to save money.

Lower-priced 2006 Scion xB insurance can be sourced both online and also from your neighborhood agents, so you need to quote insurance with both so you have a total pricing picture. Some insurance coverage companies don’t offer the ability to get quotes online and many times these regional carriers only sell coverage through independent insurance agents.

More learning opportunities

• Understanding Your Insurance Deductible (Insurance Information Insitute)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Event Data Recorders FAQ (iihs.org)
• Booster Seat Ratings (iihs.org)
• What is Full Coverage? (Allstate)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)