2010 Scion xB Insurance Quotes

Drivers have a choice when trying to find low-cost Scion xB insurance. You can either spend your time driving around getting price quotes or use the internet to get rate quotes. There is a right way and a wrong way to compare auto insurance rates and you need to know the absolute fastest way to get price quotes for a Scion and find the lowest possible price.

Automobile Insurance Quotes

There are a lot of ways to compare auto insurance prices and some are less labor-intensive and much quicker. You can spend countless hours discussing policy coverages with insurance companies in your area, or you could use the web to achieve your goal.

Most of the best insurance companies are enrolled in a marketplace that enables customers to submit one quote, and every company then gives them pricing. This saves time by eliminating quote requests to each company.

To enter your information into the quoting system, click here to open in new window.

The only drawback to using this type of form is you don’t know exactly the companies to receive prices from. So if you prefer to choose specific insurance companies to compare prices, we have a page of low cost auto insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just make darn sure you compare exactly the same coverage limits and deductibles with every price quote. If the quotes have different limits and deductibles on each one then you won’t be able to decipher which rate is best.

You probably qualify for some discounts

Companies do not list every discount in an easy-to-find place, so the following is a list of both the well known and the harder-to-find insurance coverage savings. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

• Good Student Discount – This discount can get you a discount of up to 25%. The discount lasts up until you turn 25.
• Discount for New Cars – Adding a new car to your policy is cheaper due to better safety requirements for new cars.
• Sign Online – A few companies may give you up to $50 for buying a policy and signing up on their website.
• Seat Belts Save more than Lives – Buckling up and requiring all passengers to use their safety belts could cut 10% or more on the medical payments or PIP coverage costs.
• Braking Control Discount – Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
• Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
• Bundle and Save – When you have multiple policies with the same insurance company you may save up to 20% off your total premium.
• Discount for Swiching Early – A few companies offer discounts for buying a policy prior to your current policy expiring. The savings is around 10%.
• Federal Employees – Simply working for the federal government can earn a discount up to 10% on xB insurance with certain companies.
• Air Bag Discount – Factory air bags can receive discounts of more than 20%.

As a disclaimer on discounts, most discounts do not apply the the whole policy. A few only apply to individual premiums such as liability and collision coverage. So when the math indicates all the discounts add up to a free policy, it doesn’t quite work that way.

For a list of insurance companies with discount insurance coverage rates, click here to view.

There’s no such thing as the perfect policy

When choosing coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s needs are different.

For example, these questions can help discover if your insurance needs would benefit from an agent’s advice.

• Can I drive in Mexico and have coverage?
• Do I get a pro-rated refund if I cancel my policy early?
• When can I cancel my policy?
• Do I have coverage when pulling a U-Haul trailer?
• Is other people’s property covered if stolen from my vehicle?
• What is no-fault insurance?
• Do I have any recourse if my insurance company denies a claim?
• How high should my medical payments coverage be?
• What are the best liability limits?
• What is covered by UM/UIM coverage?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Parts of your car insurance policy

Knowing the specifics of a car insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive auto coverage – Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as theft, damage from flooding, a broken windshield and hail damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for bills for surgery, pain medications, EMT expenses and dental work. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision coverages – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like backing into a parked car, rolling your car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Auto liability insurance – This coverage provides protection from injuries or damage you cause to other people or property that is your fault. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims such as bail bonds, attorney fees, repair bills for other people’s vehicles and medical services. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.