2016 Scion FR-S Insurance Quotes

Want the cheapest auto insurance rates for your Scion FR-S? Finding affordable auto insurance can be hard for people who are new to comparing rates online. There are so many options that it can be a real challenge to find the best price.

Buying car insurance is not rocket science. If you have car insurance now, you should be able to reduce your rates substantially using this strategy. But car owners must comprehend how companies price insurance differently because it can help you find the best coverage.

Discounts are basically free money

Companies do not list all available discounts very well, so we break down some of the best known and the harder-to-find ways to save on insurance.

  • Low Mileage Discounts – Driving fewer miles can earn better rates on cars that stay parked.
  • Accident Forgiveness – A few companies will allow you to have one accident before your rates go up if your claims history is clear for a set time period.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy can get a discount on all vehicles.
  • Defensive Driver – Taking a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off for FR-S insurance with a few insurance companies.
  • Auto/Life Discount – Larger companies have better rates if you take out auto and life insurance together.

It’s important to understand that most discount credits are not given to the entire policy premium. Most only reduce specific coverage prices like collision or personal injury protection. So despite the fact that it appears it’s possible to get free car insurance, you’re out of luck.

Car insurance companies that may have some of the above discounts may include but are not limited to:

It’s a good idea to ask each insurance company how you can save money. Discounts might not apply in your area.

Car Insurance Comparisons

There are a lot of ways to compare car insurance prices but some are less labor-intensive and much quicker. You can waste a few hours (or days) driving to local insurance agents in your area, or you can utilize the internet to get prices fast.

Many companies take part in a program where prospective buyers enter their policy data once, and each company then gives them pricing based on that data. This prevents consumers from doing repetitive form submissions for every car insurance company.

To compare 2016 Scion FR-S rates using this form now click here (opens in new window).

One minor caviat to doing it this way is buyers cannot specifically choose the insurers to receive prices from. If you prefer to choose specific insurance companies to receive pricing from, we have a page of low cost car insurance companies in your area. Click to view list.

Which method you use is up to you, but be sure to compare apples-to-apples deductibles and coverage limits with every price quote. If the quotes have different limits and deductibles on each one it will be impossible to make a fair comparison for your Scion FR-S. Having just a slight variation in coverages can result in a big premium difference. And when price shopping your coverage, comparing more company’s prices gives you a better chance of getting the best offered rates.

Which insurance is the “right” coverage?

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different.

For example, these questions could help you determine whether or not you might need an agent’s assistance.

  • Can I afford to buy a different vehicle if my 2016 Scion FR-S is totaled?
  • When should my teen driver be added to my policy?
  • Are there companies who specialize in insuring high-risk drivers?
  • What is the difference between comprehensive and collision coverage?
  • What is PIP insurance?
  • Does coverage extend to Mexico or Canada?
  • Do I need to file an SR-22 for a DUI in my state?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Educate yourself about insurance coverages

Learning about specific coverages of a insurance policy aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement.

Medical expense insurance

Coverage for medical payments and/or PIP pay for immediate expenses like surgery, hospital visits, funeral costs, prosthetic devices and doctor visits. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from flooding, hitting a bird, falling objects, rock chips in glass and hitting a deer. The highest amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto liability

Liability insurance can cover damage that occurs to other people or property. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for things like repair bills for other people’s vehicles, structural damage, attorney fees and legal defense fees. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Collision protection

This coverage pays for damage to your FR-S resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like backing into a parked car, crashing into a building, rolling your car, hitting a mailbox and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Do the work, save more money

In this article, we presented a lot of information how to save on 2016 Scion FR-S insurance. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even find the lowest rates come from the smaller companies.

As you shop your coverage around, it’s very important that you do not buy poor coverage just to save money. There are many occasions where an insured cut liability limits or collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The aim is to find the BEST coverage at an affordable rate while not skimping on critical coverages.

Lower-priced insurance can be sourced both online and with local insurance agents, so you should compare both to have the best rate selection. There are still a few companies who do not offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

More information can be found below: