2004 Scion xA Insurance Quotes

Tired of robbing Peter to pay Paul each month for car insurance? Your situation is no different than millions of other consumers.

Many insurance companies vie for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies and get the definite lowest cost out there.

It’s a great practice to do rate comparisons yearly since insurance rates change regularly. Even if you think you had the best rates for xA coverage two years ago a different company probably has better rates today. Starting right now, ignore everything you know about auto insurance because you’re going to get a crash course in the quickest way to lower your annual insurance bill.

If you currently have car insurance, you will most likely be able to reduce your rates substantially using these techniques. Buying car insurance is not that difficult. But car owners need to have an understanding of how insurance companies sell insurance online and apply this information to your search.

Discounts to lower Scion xA insurance rates

Auto insurance companies don’t necessarily list every available discount very well, so we took the time to find both well-publicized as well as the least known insurance savings.

  • New Car Discount – Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Drivers Education – Have your child take driver’s ed class in school.
  • Homeowners Savings – Being a homeowner may trigger a insurance policy discount because of the fact that having a home requires personal responsibility.
  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.
  • Discount for Swiching Early – Select companies give a discount for switching to them prior to your current policy expiring. The savings is around 10%.
  • Low Mileage Discounts – Keeping the miles down on your Scion could be rewarded with better rates on cars that stay parked.
  • Employee of Federal Government – Active or retired federal employment can save as much as 8% for xA coverage with select insurance companies.

It’s important to understand that most discount credits are not given the the whole policy. The majority will only reduce individual premiums such as liability, collision or medical payments. So when the math indicates you can get free auto insurance, it just doesn’t work that way.

Car insurance companies who might offer these discounts include:

Check with each company what discounts are available to you. Discounts may not apply everywhere.

Your Scion xA insurance rate is a complex equation

Smart consumers have a good feel for some of the elements that go into determining your car insurance rates. Having a good understanding of what controls the rates you pay allows you to make educated decisions that will entitle you to big savings.

Listed below are some of the factors companies use to determine prices.

  • Never allow your policy to lapse – Having an insurance coverage lapse is a guaranteed way to trigger a rate increase. And not only will insurance be more expensive, getting caught without coverage will get you a license revocation or jail time.
  • Women pay lower rates – Statistics demonstrate that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. Both sexes are in accidents in similar percentages, but the men tend to have more serious accidents. Men also statistically get cited for more serious violations like DUI and reckless driving.
  • Careful drivers pay lower rates – Your driving citation history has a huge affect on how much you pay. Careful drivers receive lower rates than bad drivers. Just one citation can boost insurance rates forty percent or more. Drivers who have serious citations like reckless driving, hit and run or driving under the influence may need to file a SR-22 with their state motor vehicle department in order to continue driving.
  • Lower deductibles cost more – Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your Scion. Examples of covered claims would be colliding with a building, damage caused by hail, and rolling your vehicle. Physical damage deductibles are how much you are willing to pay out-of-pocket before your car insurance pays a claim. The higher the amount you’re willing to pay, the lower your rates will be for xA coverage.
  • Rate your vehicle for proper use – The more you drive in a year the more you’ll pay to insure your vehicle. Most companies apply a rate based upon how you use the vehicle. Autos left parked in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Make sure your car insurance policy is rated on the correct driver usage. Incorrect usage on your xA may be wasting your money.
  • Your car insurance rates can be influenced by your job – Did you know that where you work can have an impact on rates? Occupations such as judges, architects and financial analysts have higher average rates due to job stress and long work hours. Conversely, jobs such as pilots, engineers and homemakers get better rates for xA coverage.

Tailor your coverage to you

When it comes to buying the right insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions may help highlight if your insurance needs will benefit from professional help.

  • Will I lose any money if I cancel my policy before it expires?
  • What is covered by UM/UIM coverage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • If I drive on a suspended license am I covered?
  • Is a new car covered when I drive it off the dealer lot?
  • What is the ISO rating for a 2004 Scion xA?
  • Exactly who is provided coverage by my policy?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Save $418 a year? Really?

Insurance companies such as Geico, State Farm and Progressive regularly use television and radio advertisements. They all seem to have a common claim that you can save if you move your coverage to them. How does each company make almost identical claims? It’s all in the numbers.

All companies have a certain “appetite” for the driver that earns them a profit. A good example of a desirable insured might be between the ages of 40 and 55, has no tickets, and has a high credit rating. A customer getting a price quote who matches those parameters will get the preferred rates and as a result will probably save a lot of money.

Drivers who fall outside the requirements will be quoted a higher premium which usually ends up with business going elsewhere. The ads say “drivers who switch” not “people who quote” save money. That’s the way companies can state the savings. This emphasizes why you absolutely need to compare as many rates as you can. It’s not possible to predict which company will provide you with the cheapest Scion xA insurance rates.

Specific coverages for a Scion xA

Having a good grasp of a auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverage types offered by auto insurance companies.

Comprehensive coverage (or Other than Collision)

This coverage 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 hail damage, theft, hitting a bird and damage from getting keyed. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Scion xA.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage

Collision insurance will pay to fix damage to your xA 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 coverage protects against claims like driving through your garage door, crashing into a building, scraping a guard rail, rolling your car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for immediate expenses for things like chiropractic care, ambulance fees, EMT expenses and surgery. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Liability insurance

This coverage provides protection from damages or injuries you inflict on people or other property that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things such as emergency aid, medical services and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

More quotes. Lower rates.

When you buy insurance online, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced uninsured motorist or liability limits and discovered at claim time they didn’t have enough coverage. The ultimate goal is to find the BEST coverage at a price you can afford while not skimping on critical coverages.

We just covered many ideas to shop for 2004 Scion xA insurance online. The key concept to understand is the more price quotes you have, the better your chances of lowering your rates. Consumers may even find the best price on insurance is with a lesser-known regional company. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm, Geico and Nationwide.

Even more information can be read at these sites: