Vehicles > Scion > xD

Scion XD Insurance Quotes

You have lots of choices when trying to find low-cost insurance for your Scion vehicle. You can buy direct from an insurance agent or get quotes online to check prices from car insurance companies. Buying car insurance from online rate quotes saves time, is easy to do and at the same time you may find lower rates.

Shopping online for car insurance is challenging if you are a beginner to online quotes. But relax because we're going to show you how. The are a couple different ways of comparing rates from different insurance companies. The simplest method to find competitive xD insurance cost is to get quotes online. It is quite easy and can be accomplished by completing this short form.

What factors determine your insurance rates?

Insurance premiums paid to insure a Scion xD can vary widely and are calculated by many factors. Taken into consideration are:

  • High performance increases premiums
  • Any accidents you may have
  • Multiple policies can save money
  • How you use your vehicle
  • Special coverage such as replacement cost
  • Your job
  • The level of coverage
  • Whether you rent or own your home

One important consideration that helps determine your rates is the age of the vehicle. Older models have a reduced actual cash value compared to new Scion models so the costs to repair may end up costing you less. Conversely, newer vehicles have more advanced features such as tire pressure monitors, anti-lock brakes, and forward-collision avoidance which can give discounted rates.

To get a better idea how much rates will be for your vehicle, select the year of your xD from available model years below.

Liability insurance

This can cover damages or injuries you inflict on a person or their property in an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy higher limits if possible.

Coverage for collisions

Collision insurance covers damage to your Scion from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive protection

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Since many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.

How Much are Scion xD Insurance Rates?