Vehicles > Scion > iM

Scion IM Insurance Rates

Drivers have lots of options when buying insurance for your Scion vehicle. You can get prices from an insurance agent or get quotes online to compare pricing from insurance providers. Comparing auto insurance by comparing rates online saves time, is easy to do, plus you may find lower rates.

Using the web to shop for auto insurance direct can be difficult if you are a beginner to online rate quotes. Don't let that stop you because we're going to show you how. Finding lower iM insurance cost can be quick and easy. You just have to spend a little time to compare quotes online from several insurance companies. This can be done by visiting this page.

Rates are determined by these things

Insurance premiums for your Scion iM will vary greatly and are calculated by many factors. Including but not limited to:

  • High performance increases premiums
  • Your accident history
  • Home and auto can earn discounts
  • Pleasure, commuting or business use can affect rates
  • Add-on coverages such as rental reimbursement
  • Whether or not you have claims
  • Maintaining coverage lowers rates
  • Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. A newer vehicle have a higher value compared to older Scion models so the costs to repair will push premiums up. But new Scion models have more advanced features including a backup camera, an advanced theft deterrent system, dual-stage airbags, and pedestrian detection so those may provide discounts that lower premiums.

To get more specific information about how much rates will be for your vehicle, select the year of your iM from the list below.

Auto liability insurance - This provides protection from damage or injury you incur to other's property or people. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy as much as you can afford.

Collision coverage - This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive insurance - Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage gives you protection when the "other guys" either have no liability insurance or not enough. Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Med pay and Personal Injury Protection (PIP) - Medical payments and Personal Injury Protection insurance kick in for immediate expenses like EMT expenses, pain medications, and nursing services. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. PIP coverage is not universally available but can be used in place of medical payments coverage.

How Much are Scion iM Insurance Rates?