Finding cheaper insurance for a new or used Scion xA can normally be an all-consuming task, but you can follow our car insurance buying tips and make it easy.
There is a right way and a wrong way to compare car insurance rates and we’ll show you the quickest way to quote coverages for your Scion and locate the lowest price.
You need to check car insurance prices occasionally because rates trend upward over time. Just because you found the best price for xA coverage a year ago the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because you’re about to find out one of the easiest ways to reduce your cost while improving coverage.
Pricing affordable protection is simple if you know the tricks. Essentially every driver who buys car insurance stands a good chance to be able to cut their insurance bill. But consumers can benefit from knowing how companies determine prices and use this information to your advantage.
These discounts can slash car insurance rates
The price of auto insurance can be rather high, but there could be available discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time of purchase, but a few must be specially asked for before you will receive the discount.
- Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
- Club Memberships – Affiliation with a qualifying organization may earn a discount on car insurance for xA coverage.
- Claim Free – Drivers who don’t have accidents pay less when compared to accident-prone drivers.
- Low Mileage Discounts – Keeping the miles down on your Scion can earn a substantially lower rate.
- Resident Student – Any of your kids who attend school more than 100 miles from home and do not have a car may be able to be covered for less.
- Federal Employees – Simply working for the federal government could cut as much as 10% off for xA coverage depending on your company.
As a disclaimer on discounts, some credits don’t apply to all coverage premiums. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, companies wouldn’t make money that way. Any qualifying discounts will reduce your premiums.
For a list of insurance companies with the best car insurance discounts, click here.
How to Compare Car Insurance Costs
There are several ways to compare rate quotes and find the best price. The fastest way to find competitive Scion xA insurance rates is simply to get online rate quotes. This is very easy and can be done in a couple of different ways.
- One of the best ways consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This type of form prevents you from having to do boring form submissions for each company. Just one form gets you coverage quotes from car insurance companies with the best prices. Recommended for those who want to invest the least amount of time.
- A less efficient way to get comparison quotes is to manually visit the website for every company you want to comare and complete a new quote form. For example, we’ll pretend you want to compare State Farm, Progressive and American Family. To get each rate you have to take the time to go to each site and enter your policy data, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.
It’s up to you which method you use, but double check that you are using the exact same coverage limits for each price quote. If you have different deductibles it’s impossible to decipher which rate is best. Slightly different coverages can make a big difference in price. It’s important to know that more quotes helps you find the best rates.
Impacting insurance rates for a Scion xA
It’s important that you understand the rating factors that help determine car insurance rates. Knowing what determines base rates enables informed choices that can help you get big savings.
- Pleasure use saves money – Driving more miles every year the more you will pay for car insurance. Most companies apply a rate based on their usage. Vehicles left parked in the garage get more affordable rates as compared to vehicles used primarily for driving to work. An improperly rated xA can cost quite a bit. Make sure your car insurance coverage properly reflects the proper vehicle usage.
- Liability coverage protects you – Your policy’s liability coverage is the protection if ever a court rules you are at fault for personal injury or accident damage. Liability insurance provides legal defense coverage starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
- Your stress level may be raising your rates – Careers like doctors, business owners and dentists are shown to have the highest average rates in part from stressful work requirements and long work days. Other professions such as pilots, historians and the unemployed pay the least for xA coverage.
- Higher deductibles cost less – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Scion. Some examples of claims that would be covered could be collision with another vehicle, damage caused by hail, and burglary. Deductibles for physical damage are how much you are willing to pay out-of-pocket before your car insurance pays a claim. The higher the amount the insured has to pay upfront, the less your car insurance will be for xA coverage.
- High credit ratings translate to low rates – Credit rating is a big factor in your rate calculation. Drivers who have good credit tend to be better drivers and file fewer claims than those with lower credit scores. So if your credit rating can use some improvement, you could be paying less to insure your Scion xA by spending a little time repairing your credit.
- Never go without insurance – Allowing your car insurance policy to lapse is a guaranteed way to pay more for car insurance. And not only will insurance be more expensive, but not being able to provide proof of insurance might get you a steep fine or even jail time.
- Little extras can really add up – There are a ton of additional coverages that you can buy if you aren’t careful. Coverages for personal injury protection, towing coverage and term life insurance may be costing you every month. They may seem good when you first buy your policy, but if they’re wasting money eliminate them to save money.
- Teen drivers pay high rates – Older insureds are more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Teen drivers are known to be less responsible when behind the wheel therefore car insurance rates are much higher.
Slick advertising tricks that work
Companies like Allstate, GEICO and Progressive continually stream ads on television and other media. All the ads make the same claim that you’ll save big after switching to their company. But how can every company make the same claim?
Different companies can use profiling for the right customer that is profitable for them. An example of a desirable insured might be profiled as between the ages of 40 and 55, insures multiple vehicles, and chooses high deductibles. A customer that hits that “sweet spot” is entitled to the best price and most likely will save quite a bit of money when switching.
Consumers who do not match these standards will be charged higher prices which leads to business not being written. Company advertisements say “people who switch” but not “drivers who get quotes” save that much. That is how insurance companies can confidently advertise the way they do.
That is why you absolutely need to get quotes from several different companies. It’s impossible to know which insurance companies will fit your personal profile best.
Smart shoppers get results
Drivers who switch companies do it for a number of reasons such as delays in responding to claim requests, high prices, delays in paying claims and questionable increases in premium. Regardless of your reason, choosing a new company is pretty easy and you might even save some money in the process.
In this article, we covered quite a bit of information on how to lower your Scion xA insurance rates. It’s most important to understand that the more you quote, the better your comparison will be. Consumers could even find that the best price on car insurance is with a small mutual company.
Cost effective Scion xA insurance is definitely available on the web in addition to many insurance agents, so you should compare both in order to have the best price selection to choose from. Some car insurance companies do not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.
