2011 Scion xD Car Insurance Quotes

Paying for high-priced Scion xD insurance can drain your savings account and put the squeeze on your family’s finances. Doing a price comparison is free and is an excellent way to lower your monthly bill. You have multiple car insurance companies to choose from, and even though it’s nice to have a selection, too many choices makes it more difficult to find the best rates.

Policy discounts you shouldn’t miss

Companies don’t always advertise all their discounts very well, so the following is a list of both the well known as well as the least known savings tricks you should be using. If you don’t get every credit you deserve, you’re paying more than you need to.

  • One Accident Forgiven – Certain companies permit an accident before raising your premiums if you are claim-free prior to the accident.
  • Student in College – Youth drivers who live away from home and do not have access to a covered vehicle can receive lower rates.
  • New Vehicle Savings – Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.
  • Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off on xD insurance with certain companies.
  • Organization Discounts – Being a member of a qualifying organization could qualify you for a break when buying insurance coverage on xD insurance.
  • Air Bag Discount – Vehicles with factory air bags can qualify for discounts up to 30%.
  • Bundle and Save – If you have multiple policies with one insurance company you could get a discount of at least 10% off all policies.
  • Driver’s Ed – Have your child complete a driver education course in high school.

It’s important to understand that most credits do not apply to the entire cost. Most only cut the cost of specific coverages such as liability and collision coverage. So when it seems like adding up those discounts means a free policy, companies don’t profit that way.

For a list of providers with the best insurance coverage discounts, click here to view.

What determines your Scion xD insurance premium

Smart consumers have a good feel for the rating factors that play a part in calculating the price you pay for insurance. Knowing what impacts premium levels allows you to make educated decisions that can help you get big savings.

  • Do you have a high stress job? – Did you know that where you work can have an impact on rates? Occupations like doctors, executives and financial analysts tend to pay higher average rates in part from job stress and long work days. Conversely, jobs such as actors, engineers and performers have the lowest average rates on xD insurance.
  • Being married is a good thing – Getting married actually saves money when buying insurance. Having a spouse is viewed as being more mature than a single person and it’s statistically proven that drivers who are married are more cautious.
  • Careful drivers pay lower rates – A bad driving record impacts your car insurance rates tremendously. Good drivers tend to pay less for car insurance than their less careful counterparts. Only having one speeding ticket can increase rates forty percent or more. If you have dangerous violations like DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 form with their state motor vehicle department in order to prevent a license revocation.
  • Don’t buy coverages you don’t need – There are a ton of extra coverages that you can buy on your xD policy. Insurance for vanishing deductibles, towing coverage and additional equipment coverage may be costing you every month. They may seem like a good idea when talking to your agent, but now you might not need them so eliminate the coverages to reduce your premium.
  • Liability coverage protects you – Liability insurance is the coverage that protects you in the event that you are found liable for personal injury or accident damage. It provides legal defense coverage starting from day one. Liability is cheap compared to physical damage coverage, so drivers should carry high limits.
  • Never allow your policy to lapse – Allowing your insurance policy to lapse will be a quick way to trigger a rate increase. And not only will insurance be more expensive, getting caught without coverage can result in a steep fine or even jail time.
  • Lower rates with optional equipment – Driving a car with an alarm system can help lower your rates. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.

Insurance agents can help

When it comes to buying coverage for your personal vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions can aid in determining if your insurance needs would benefit from professional advice.

  • Why do I only qualify for high-risk insurance?
  • Do I need higher collision deductibles?
  • Should I drop comprehensive coverage on older vehicles?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Where can I get insurance after a DUI in my state?
  • I have health insurance so do I need medical payments coverage?
  • Do I need roadside assistance coverage?
  • Is pleasure use cheaper than using my 2011 Scion xD to commute?
  • Am I covered if my car is in a flood?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, 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.

Do drivers who switch really save $432 a year?

Drivers constantly see and hear ads for car insurance savings from the likes of Progressive, Allstate and GEICO. They all have a common claim about savings if you move your coverage to them.

How does each company say the same thing?

All companies are able to cherry pick for the right customer that is profitable for them. For example, a driver they prefer might be between 30 and 50, has no driving citations, and has a short commute. A propective insured who meets those qualifications gets the lowest rates and therefore will save a lot of money.

Consumers who are not a match for these standards will be charged higher rates which leads to the driver buying from a lower-cost company. The ads state “drivers who switch” but not “drivers who get quotes” save money. That is how companies can truthfully make those claims. That is why it’s extremely important to compare as many rates as you can. You cannot predict which company will provide you with the cheapest Scion xD insurance rates.

Auto insurance 101

Learning about specific coverages of your policy aids in choosing the best coverages for your vehicles. Insurance terms can be confusing and coverage can change by endorsement. Shown next are the usual coverages available from insurance companies.

Auto collision coverage

Collision insurance covers damage to your xD resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as colliding with another moving vehicle, sideswiping another vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Medical expense insurance

Coverage for medical payments and/or PIP pay for immediate expenses like prosthetic devices, funeral costs, rehabilitation expenses and EMT expenses. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay


Liability coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as structural damage, medical services, funeral expenses and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like falling objects, hitting a bird, a broken windshield and damage from flooding. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Scion xD.

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

A tidy conclusion

You just read a lot of information how to shop for 2011 Scion xD insurance online. The most important thing to understand is the more rate quotes you have, the higher your chance of finding lower rates. Drivers may discover the lowest rates come from some of the lesser-known companies. Smaller companies can often provide lower rates in certain areas than the large multi-state companies such as State Farm and Allstate.

As you shop your coverage around, it’s not a good idea to buy less coverage just to save a little money. In too many instances, drivers have reduced collision coverage only to find out that they should have had better coverage. Your strategy should be to find the BEST coverage for the lowest price.

Cheaper insurance can be bought both online in addition to many insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who do not provide online quoting and many times these smaller companies only sell through independent insurance agents.

Helpful information