2013 Scion FR-S Insurance Quotes – 8 Tips for Cheaper Rates

No one in their right mind enjoys paying for auto insurance, particularly when their premiums are too high. Big companies like Progressive, GEICO and Farmers Insurance continually hit you with ad campaigns and consumers find it hard to see through the deception and do the work needed to find the best deal.

It’s a great practice to price shop coverage every six months because rates are rarely the same from one policy term to another. Even if you think you had the best deal on FR-S insurance on your last policy there is a good chance you can find better rates now. Ignore everything you know about auto insurance because you’re about to learn the easiest way to buy cheaper auto insurance.

If you have insurance now or need new coverage, you will benefit by learning to cut your premiums while maximizing coverage. Finding affordable coverage is not rocket science. Drivers just need to know the proper way to find the lowest price over the internet.

More discounts equal less premium

Car insurance can cost a lot, but companies offer discounts to reduce the price significantly. Some discounts apply automatically at the time of purchase, but less common discounts must be requested specifically in order for you to get them. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Military Discounts – Being on active duty in the military may qualify for rate reductions.
  • Memberships – Belonging to a qualifying organization could qualify you for a break when shopping for car insurance on FR-S insurance.
  • Bundle and Save – If you have multiple policies with one insurance company you may earn up to 20% off your total premium.
  • Paperwork-free – Certain companies give back up to $50 for buying a policy and signing up on their website.
  • No Claims – Good drivers with no accidents pay much less compared to bad drivers.
  • Low Mileage Discounts – Driving fewer miles could qualify for discounted rates on garaged vehicles.
  • Own a Home – Being a homeowner can save you money because owning a home is proof that your finances are in order.
  • Federal Government Employee – Employees or retirees of the government could cut as much as 10% off on FR-S insurance with select insurance companies.

Consumers should know that most discounts do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like medical payments or collision. So when it seems like you could get a free car insurance policy, you won’t be that lucky. But all discounts will reduce the amount you have to pay.

To see a list of companies offering car insurance discounts, click this link.

It’s not one size fits all

When it comes to buying the right insurance coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions can help discover if you could use an agent’s help.

  • Does my insurance cover a custom paint job?
  • Do I need added coverage for expensive stereo equipment?
  • Where can I find DUI or SR-22 insurance?
  • Is my 2013 Scion FR-S covered for smoke damage?
  • Why am I required to buy high-risk coverage?
  • Should I bundle my homeowners policy with my auto?
  • Does my policy pay for OEM or aftermarket parts?
  • What is covered by UM/UIM coverage?
  • Is my ex-spouse still covered by my policy?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Is there deception in advertising?

Consumers constantly see and hear ads for the lowest price auto insurance by State Farm, GEICO and Progressive. They all have a common claim of big savings if you change to their company.

How does each company make almost identical claims?

All the different companies can use profiling for the driver that earns them a profit. An example of a desirable insured might be profiled as between the ages of 30 and 50, owns a home, and has a short commute. A customer who fits that profile will get very good rates and therefore will save when they switch companies.

Potential customers who don’t meet these standards must pay higher prices which usually ends up with the driver buying from a lower-cost company. The ad wording is “people who switch” but not “drivers who get quotes” save that kind of money. This is how companies can state the savings.

This illustrates why it is so important to get as many comparisons as possible. You cannot predict the company that will fit your personal profile best.

Specifics of your auto insurance policy

Learning about specific coverages of auto insurance can help you determine the best coverages for your vehicles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average auto insurance policy.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses like doctor visits, funeral costs, X-ray expenses and prosthetic devices. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as falling objects, damage from getting keyed, fire damage and a broken windshield. The maximum payout 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.

Coverage for liability

Liability coverage will cover damages or injuries you inflict on a person or their property. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as emergency aid, medical services, attorney fees, bail bonds and legal defense fees. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Collision coverage

This coverage covers damage to your FR-S resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sustaining damage from a pot hole, colliding with another moving vehicle and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Usually these limits are identical to your policy’s liability coverage.

Feed the piggy bank

In this article, we covered a lot of techniques to shop for 2013 Scion FR-S insurance online. The key thing to remember is the more you quote, the better likelihood of reducing your rate. You may even find the biggest savings come from some of the lesser-known companies. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as GEICO and State Farm.

As you shop your coverage around, never reduce coverage to reduce premium. Too many times, an insured dropped liability limits or collision coverage and learned later that it was a big error on their part. The aim is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

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