How Much Does 2014 Scion xB Car Insurance Cost?

Want cheaper car insurance rates for your Scion xB? Trying to find cheaper insurance for a Scion xB can normally be a painful process, but you can follow a few tricks to find lower rates. There is a right way and a wrong way to shop for car insurance and you need to know the best way to quote coverages for a new or used Scion and get the cheapest rates.

Consumers need to get comparison quotes once or twice a year since insurance prices change regularly. If you had the lowest rate for xB insurance last year a different company probably has better premium rates today. Forget anything you know (or think you know) about car insurance because we’re going to show you how to quote online to reduce your cost while increasing coverage.

Finding the best rates is easy if you know what you’re doing. If you have a current insurance coverage policy or need new coverage, you will benefit by learning to find better prices while maximizing coverage. Drivers only need to know the proper methods to find the lowest price online.

How to lower your insurance costs

It’s important that you understand some of the things that help calculate the rates you pay for auto insurance. If you have a feel for what positively or negatively impacts your premiums, this allows you to make good choices that can help you get cheaper rates. Lots of things are taken into consideration when quoting car insurance. Some are pretty understandable like a motor vehicle report, although others are less apparent like your vehicle usage or your vehicle rating.

• Safety ratings are a factor – Safer cars can get you lower premiums. Highly rated vehicles reduce the chance of injuries and fewer serious injuries means less money paid by your insurance company passed on to you as lower rates. If your Scion is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
• Liability is important – Liability coverage will protect you if ever a court rules you are at fault for damages from an accident. Your liability coverage provides you with a defense in court up to the limits shown on your policy. It is affordable coverage as compared to coverage for physical damage, so do not cut corners here.
• Advanced theft deterrents – Choosing to buy a car with advanced anti-theft systems can help bring down rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft and help bring rates down.
• Higher physical damage deductibles are cheaper – Insurance for physical damage to your car, also called ‘full coverage’, helps pay for damage to your vehicle. Some examples of claims that would be covered are a windshield shattered by a rock, collision with an animal, and damage caused by flying debris. The deductibles are the amount of money you are required to spend in the event of a claim. The higher the amount you pay before a claim is paid (deductible), the less your auto insurance will be for xB insurance.
• Know your credit score – A driver’s credit score can be a huge factor in determining premium rates. Insureds with very high credit ratings tend to file fewer claims as compared to drivers with worse credit. So if your credit could use some work, you could potentially save money when insuring your 2014 Scion xB if you improve your credit rating.
• Inexpensive frequent claims are not good – If you file a lot of claims you shouldn’t be surprised to get higher premiums or even policy non-renewal. Companies award the best rates to insureds who only file infrequent claims. Insurance coverage is intended to be relied upon for larger claims.

Which auto insurance is cheapest?

Most major insurance companies like State Farm and Allstate give pricing from their websites. Getting quotes doesn’t take a lot of time as you just enter your personal and coverage information on the page. When the form is submitted, their quoting system orders your driving record and credit report and returns a price quote.

Online price estimates simplifies rate comparisons, but having to visit many different websites and type in the same data is a big time waster. But it’s absolutely necessary to do this if you want to find the lowest price.

There is a better way!

A quicker way to lower your auto insurance bill uses just one form that gets price quotes from many companies. It’s a real time-saver, eliminates form submissions, and makes comparison shopping much easier to do. Once the form is submitted, it gets priced and you can select any one of the quotes returned. If a lower price is quoted, you can click and sign and purchase coverage. It can be completed in less than 10 minutes and may result in a nice savings.

If you want to use this form to compare rates, click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you copy the coverage information identical to your current policy. Doing this assures you will receive rate comparison quotes for exact coverage.

Be skeptical of insurance coverage ads

Consumers can’t get away from all the ads for the lowest price insurance coverage from the likes of State Farm and Allstate. All the companies make the point that drivers can save some big amount just by switching your coverage to them.

How does every insurance coverage company say the same thing? It’s all in the wording.

All companies quote the lowest rates for the type of driver that is profitable for them. For instance, this type of insured could possibly be between 30 and 50, is a homeowner, and drives newer vehicles. Any driver who fits those characteristics gets the lowest premium rates and most likely will save quite a bit of money when switching.

Insureds who may not quite match those standards may receive a more expensive rate which results in the driver buying from a lower-cost company. If you listen to the ad wording, they say “people who switch” but not “everyone who gets a quote” save that much when switching. That’s the way companies can advertise the savings. Because every company is different, it’s extremely important to compare quotes as often as possible. It’s just too difficult to predict which insurance companies will provide the lowest prices.

Don’t overlook these insurance coverage discounts

The cost of insuring your cars can be expensive, but you might be missing out on some discounts that many people don’t even know exist. Certain credits will be shown at the time of purchase, but some may not be applied and must be asked about before they will apply.

• College Student Discount – Any of your kids who are enrolled in higher education away from home and do not have access to a covered vehicle can be insured at a reduced rate.
• Lower Rates for Military – Being on active deployment in the military could mean lower prices.
• Multiple Vehicles – Having multiple vehicles with the same insurance coverage company can get a discount on all vehicles.
• Sign Online – A few larger online companies may give you up to $50 just for signing your application on the web.
• Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a lower insurance coverage rate if you buy auto and life insurance together.
• Driver Safety – Taking a course in defensive driving can save you 5% or more and easily recoup the cost of the course.
• Seat Belts Save more than Lives – Buckling up and requiring all passengers to fasten their seat belts may be able to save a few bucks off the personal injury premium cost.
• Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
• Homeowners Pay Less – Owning your own home or condo can earn you a little savings because it shows financial diligence.
• Club Memberships – Participating in a qualifying organization could qualify you for a break when getting a car insurance quote.

As a sidenote, most of the big mark downs will not be given to all coverage premiums. Most cut the price of certain insurance coverages like comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, you’re out of luck.

A few popular companies and their offered discounts are included below.

• American Family offers discounts including air bags, TimeAway discount, Steer into Savings, early bird, and multi-vehicle.
• State Farm discounts include Drive Safe & Save, Steer Clear safe driver discount, accident-free, driver’s education, defensive driving training, good student, and multiple policy.
• 21st Century has discounts for automatic seat belts, anti-lock brakes, student driver, good student, and early bird.
• Travelers offers premium reductions for home ownership, save driver, early quote, continuous insurance, new car, IntelliDrive, and multi-car.
• Geico may include discounts for seat belt use, air bags, defensive driver, anti-theft, daytime running lights, membership and employees, and multi-vehicle.

It’s a good idea to ask all companies you are considering how many discounts you can get. Some credits may not apply to policyholders everywhere.

When to get professional advice

When it comes to choosing adequate coverage for your vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine whether or not you will benefit from professional help.

• When do I need to add a new car to my policy?
• What can I do if my company won’t pay a claim?
• What are the best liability limits?
• Do I pay less if my vehicle is kept in my garage?
• Should I carry comprehensive and collision coverage?
• Is rental equipment covered for theft or damage?
• Does insurance cover tools stolen from my truck?
• Should I have combined single limit or split liability limits?
• Who is covered when they drive my 2014 Scion xB?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.

Auto insurance coverage information

Knowing the specifics of a car insurance policy helps when choosing which coverages you need and proper limits and deductibles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Auto collision coverage

This covers damage to your xB resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as hitting a mailbox, rolling your car and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your 2014 Scion xB.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Liability

This will cover injuries or damage you cause to other people or property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against things such as court costs, emergency aid, medical services and pain and suffering. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from getting keyed, theft and hitting a bird. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like prosthetic devices, nursing services and funeral costs. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Power to the consumer

Low-cost 2014 Scion xB insurance is definitely available both online and also from your neighborhood agents, so get free car insurance quotes from both of them to have the best selection. Some companies may not have the ability to get quotes online and these smaller providers prefer to sell through local independent agents.

When searching for low cost car insurance quotes, it’s very important that you do not skimp on critical coverages to save a buck or two. In many instances, an insured dropped collision coverage only to regret at claim time that the small savings ended up costing them much more. Your focus should be to purchase a proper amount of coverage at a price you can afford.

We just presented some good ideas how you can get a better price on 2014 Scion xB insurance. The key concept to understand is the more companies you get prices for, the better your chances of lowering your prices. Consumers may even find the most savings is with a lesser-known regional company.

To read more, feel free to visit these articles:

• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Think You’re a Safe Driver? (State Farm)
• A Tree Fell on Your Car: Now What? (Allstate)
• Parking Tips to Reduce Door Dings (State Farm)
• What is Covered by GAP Insurance? (Allstate)
• Prepare your Teens for Safe Driving (InsureUonline.org)