2004 Scion xB Car Insurance Quotes

Finding affordable insurance coverage is always hard for consumers new to buying insurance online. You have so many choices that it can be a challenge to compare prices.

Scion xB rate determination is complex

It’s important that you understand the different types of things that play a part in calculating the rates you pay for insurance. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that may reward you with lower insurance prices.

Shown below are some of the items used by your company to calculate rates.

  • Younger drivers pay higher rates – Older drivers tend to be more responsible, file fewer claims and receive fewer citations. Young drivers are known to be more careless behind the wheel therefore insurance rates are much higher.
  • How credit affects insurance rates – Credit history is a big factor in your rate calculation. If your credit is not that good, you could pay less to insure your 2004 Scion xB by improving your credit score. Drivers with good credit tend to file fewer claims and have better driving records than drivers with lower credit scores.
  • Theft deterrents lower rates – Purchasing a vehicle that has an advanced theft prevention system can save you a little every year. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your vehicle from being stolen.
  • Bump up deductibles to save – The deductibles represent how much money you are required to spend if you file a covered claim. Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your car. Some instances where coverage would apply would be colliding with a building, damage caused by hail, or theft. The more money you are required to pay out-of-pocket, the lower your rates will be on xB coverage.
  • Small claims can cost you – If you file claims often, you can expect either a policy non-renewal or much higher rates. Insurance companies give better rates to people who file claims infrequently. Auto insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Do you have a high stress job? – Did you know that where you work can have an impact on rates? Jobs such as judges, executives and dentists tend to pay the highest average rates because of high stress levels and lengthy work days. Other professions such as actors, historians and homemakers have the lowest average rates on xB coverage.

Do you qualify for discounts?

Companies offering auto insurance don’t always publicize every available discount in a way that’s easy to find, so the following is a list of some of the more common and the harder-to-find savings tricks you should be using.

  • Bundle and Save – If you insure your home and vehicles with one insurance company you could get a discount of 10% to 20% off each policy.
  • Fewer Miles Equal More Savings – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
  • Early Switch Discount – Some insurance companies reward drivers for switching to them before your current expiration date. It’s a savings of about 10%.
  • Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
  • 55 and Retired – If you’re over the age of 55, you may receive reduced rates on xB coverage.
  • Life Insurance – Select insurance companies reward you with a break if you buy life insurance from them.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems can get savings of more than 20%.
  • Defensive Driver – Completing a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • Good Student – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up to age 25.

Consumers should know that some credits don’t apply the the whole policy. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, it just doesn’t work that way.

Car insurance companies who might offer these money-saving discounts may include but are not limited to:

Double check with each insurance company what discounts are available to you. Savings might not be offered in every state.

Save $470 a year. For real?

Insurance coverage companies such as Allstate, GEICO and Progressive continually stream ads on television and other media. They all seem to make an identical promise that you can save after switching your coverage to them. But how can every company say the same thing?

All companies have a preferred profile for the right customer that is profitable for them. For instance, a desirable insured could possibly be between the ages of 40 and 55, is a homeowner, and drives newer vehicles. Any driver who fits that profile will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential customers who are not a match for the requirements will have to pay more money and ends up with the customer not buying. The ads state “drivers who switch” not “everyone that quotes” save that much money. This is how companies can claim big savings. Because of the profiling, you need to get as many quotes as possible. It’s just too difficult to predict which insurance coverage company will provide you with the cheapest Scion xB insurance rates.

Don’t assume everyone needs the same coverage

When buying the best insurance coverage, there is no perfect coverage plan. Everyone’s needs are different.

For instance, these questions may help highlight whether or not you will benefit from professional help.

  • What if I total my 2004 Scion xB and owe more than it’s worth?
  • Am I covered when pulling a rental trailer?
  • What is the difference between comprehensive and collision coverage?
  • Should I get collision insurance on every vehicle?
  • Am I covered when driving someone else’s vehicle?
  • Will filing a claim cost me more?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form.

Car insurance 101

Knowing the specifics of your car insurance policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 2004 Scion xB.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical expense insurance

Med pay and PIP coverage kick in for immediate expenses for things like prosthetic devices, chiropractic care, nursing services, EMT expenses and surgery. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as driving through your garage door, crashing into a building, colliding with a tree and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

This pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like rock chips in glass, hitting a deer, a broken windshield, fire damage and theft. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverage

This coverage can cover injuries or damage you cause to other’s property or people in an accident. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as attorney fees, loss of income, medical expenses and pain and suffering. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Buy online or local, you save

Low-cost 2004 Scion xB insurance is available from both online companies in addition to many insurance agents, so compare prices from both in order to have the best price selection to choose from. There are still a few companies who do not provide the ability to get a quote online and these regional insurance providers work with independent agents.

As you shop your coverage around, it’s very important that you do not buy less coverage just to save a little money. In many instances, consumers will sacrifice collision coverage only to regret at claim time they didn’t have enough coverage. The aim is to buy enough coverage at a price you can afford, not the least amount of coverage.

Drivers change insurance companies for a number of reasons such as extreme rates for teen drivers, poor customer service, not issuing a premium refund and lack of trust in their agent. It doesn’t matter what your reason, choosing a new company is easier than you think.

Additional detailed information can be found by following these links: