2013 Scion xB Car Insurance Rates – 5 Tricks for Cheaper Quotes

Feel like you’re a prisoner to an overpriced insurance coverage policy? Trust us, you’re not alone. Consumers have many insurance companies to buy insurance from, and although it’s nice to have a choice, it can be more difficult to adequately compare rates.

The purpose of this post is to teach you how car insurance quotes work and some tricks to saving. If you currently have car insurance, you will be able to reduce your rates substantially using this information. Vehicle owners just need to know the most efficient way to shop their coverage around online.

Vehicle Insurance Comparison

Most major insurance companies quote price estimates directly from their websites. Getting quotes doesn’t take a lot of time as you simply enter the amount of coverage you want into a form. Upon sending the form, the system automatically retrieves your credit score and driving record and gives you a price quote based on many factors. This helps simplify price comparisons, but the time required to go to each company’s website and repetitively type in the same information is not the best way to spend an afternoon. But it’s absolutely necessary to perform this step if you are searching for a lower rate.

The easiest way to lower your rates requires only one form that analyzes rates from several companies at one time. This type of form saves time, eliminates repetitive work, and makes comparison shopping much easier. After sending your information, it is rated and you are able to buy any one of the quotes returned.

If you find a better price you can simply submit the application and buy the policy. It just takes a couple of minutes and can result in significant savings.

If you want to find out how much you’re overpaying now, simply click here to open in new window and submit the form. If you currently have coverage, we recommend you replicate coverages and limits as shown on your current policy. Using the same limits helps guarantee you are getting rate quotes for the exact same coverage.

How can Progressive, Allstate and Geico save drivers who switch?

Consumers can’t get away from ads for car insurance savings by Progressive, Allstate and Geico. All the ads say the same thing of big savings if you change to their company.

How does each company claim to save you money?

All the different companies are able to cherry pick for the type of customer that makes them money. For instance, a desirable insured could possibly be between 25 and 40, a clean driving record, and has excellent credit. Any driver that hits that “sweet spot” gets the lowest rates and most likely will pay quite a bit less when switching companies.

Consumers who don’t qualify for the requirements will have to pay higher rates and ends up with business going elsewhere. The ads state “customers that switch” not “everyone that quotes” save that much. That is how companies can make those claims.

Because of the profiling, it’s extremely important to get as many quotes as possible. Because you never know which insurance companies will give you the biggest savings on Scion xB insurance.

Discounts to lower Scion xB insurance rates

Insuring your vehicles can cost a lot, buy you may qualify for discounts that many people don’t even know exist. Most are applied at the time of purchase, but less common discounts must be asked for before they will apply. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Military Discounts – Being on active duty in the military can result in better rates.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Government Employees – Active or retired federal employment may qualify you for a discount on xB coverage with select insurance companies.
  • Student in College – Youth drivers living away from home attending college without a vehicle on campus may be able to be covered for less.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. The majority will only reduce specific coverage prices like collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, insurance companies aren’t that generous. But all discounts will cut the amount you have to pay.

A partial list of companies who might offer these discounts include:

It’s a good idea to ask each company which discounts they offer. Discounts might not be offered everywhere.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions may help highlight whether or not you might need professional guidance.

  • Should I rate my 2013 Scion xB as pleasure use or commute?
  • Do I benefit by insuring my home with the same company?
  • Am I covered when driving in Canada or Mexico?
  • Do I have coverage if my license is suspended?
  • Is my camper covered by my car insurance policy?
  • Am I covered if I drive in a foreign country?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and you can get the answers you need.

Car insurance coverage options for a Scion xB

Having a good grasp of a car insurance policy can be of help when determining the best coverages and proper limits and deductibles. Car insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types found on the average car insurance policy.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for immediate expenses like rehabilitation expenses, chiropractic care, prosthetic devices, nursing services and hospital visits. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This coverage pays for damage to your xB from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as crashing into a ditch, backing into a parked car, hitting a mailbox, driving through your garage door and colliding with a tree. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since 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 important protection for you and your family. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability coverage

Liability insurance protects you from injuries or damage you cause to a person or their property by causing an accident. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as attorney fees, loss of income, repair bills for other people’s vehicles and legal defense fees. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Comprehensive coverage

This 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.

Comprehensive insurance covers claims such as damage from flooding, a broken windshield, rock chips in glass, fire damage and vandalism. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Quote more. Save more.

Lower-priced 2013 Scion xB insurance can be sourced from both online companies in addition to many insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some auto insurance companies do not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

We just showed you many tips how you can save on insurance. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the best price on auto insurance is with a smaller regional carrier. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate and Progressive.

More detailed auto insurance information can be found in these articles: