2011 Scion xB Car Insurance Rates – 9 Tricks for Best Quotes

Did you fall for a flashy sales pitch and buy an underperforming, overpriced insurance policy? Believe me, there are lots of people in the same boat.

With consumers having so many different company options, it is very difficult to choose the lowest cost company.

Smart consumers take time to price shop coverage periodically since rates are rarely the same from one policy term to another. Just because you found the lowest rates on xB coverage a year ago the chances are good that you can find a lower rate today. There is a lot of bad advice regarding insurance online but we’re going to give you the easiest ways to find cheap insurance.

Auto Insurance Comparisons

Most companies such as Progressive, Geico, Allstate and State Farm quote price estimates directly from their websites. Obtaining pricing is pretty painless as you just enter your personal and coverage information into the quote form. Behind the scenes, their system automatically orders your driving and credit reports and generates a price based on these factors. Online quotes streamlines rate comparisons, but having to visit multiple sites and fill out multiple forms gets old quite quickly. But it’s absolutely necessary to get many rate quotes if you are searching for the lowest auto insurance rates.

The quickest way to lower your auto insurance bill uses one form to get prices from more than one company. This type of form saves time, requires less work, and makes online quotes much easier. As soon as the form is sent, your coverage is rated and you are able to buy any one of the quote results. If you find a better price you can click and sign and purchase coverage. The entire process takes just a few minutes to complete and could lower your rates considerably.

To quickly find out how much you’re overpaying now, click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended you complete the form with coverages and limits identical to your current policy. Using the same limits helps guarantee you will have a rate comparison using the same coverage and limits.

Save big with these nine discounts

Car insurance companies do not advertise all their discounts in an easy-to-find place, so we researched both well-publicized and also the lesser-known discounts you could be receiving.

  • Low Mileage – Keeping the miles down on your Scion can qualify you for a substantially lower rate.
  • Organization Discounts – Affiliation with certain professional organizations is a good way to get lower rates when shopping for insurance coverage on xB coverage.
  • Bundle and Save – When you have multiple policies with the same insurance company you will save at least 10% off all policies.
  • Government Employees – Simply working for the federal government could cut as much as 10% off on xB coverage with certain companies.
  • Early Switch Discount – Select companies give a discount for signing up before your current expiration date. It’s a savings of about 10%.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts can get savings up to 30%.
  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
  • Save with a New Car – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.

Consumers should know that many deductions do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears all those discounts means the company will pay you, it just doesn’t work that way.

To see a list of insurance companies with the best insurance coverage discounts, follow this link.

But I don’t know anything about car insurance

When buying proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions might point out whether or not you may require specific advice.

  • Is my babysitter covered when using my vehicle?
  • Are there companies who specialize in insuring high-risk drivers?
  • Does liability extend to a camper or trailer?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Can I get a multi-policy discount?
  • Should I drop comprehensive coverage on older vehicles?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

The car insurance bait and switch

Car insurance companies such as Progressive, Geico, Allstate and State Farm consistently run ads in print and on television. They all seem to make an identical promise that you can save if you change your policy. How can each company say the same thing?

All the different companies have a certain “appetite” for the driver that is profitable for them. For instance, a profitable customer could possibly be over the age of 40, insures multiple vehicles, and drives newer vehicles. A propective insured that hits that “sweet spot” receives the best rates and therefore will cut their rates substantially.

Consumers who are not a match for the requirements will be charged more money and this can result in the driver buying from a lower-cost company. The ads state “customers who switch” not “everybody who quotes” save money. That is how companies can truthfully state the savings. That is why it is so important to get quotes from several different companies. It’s just too difficult to predict which company will have the lowest Scion xB insurance rates.

Insurance coverage considerations

Knowing the specifics of your insurance policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Shown next are typical coverages found on most insurance policies.

Uninsured and underinsured coverage

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 2011 Scion xB.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Auto collision coverage

Collision insurance covers damage to your xB from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like colliding with another moving vehicle, crashing into a building and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability coverage

This provides protection from damage or injury you incur to other people or property. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims like loss of income, repair costs for stationary objects, legal defense fees and medical expenses. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Coverage for medical payments

Med pay and PIP coverage pay for expenses like doctor visits, X-ray expenses, hospital visits and pain medications. They can be utilized in addition to your health insurance program or if you do not have health coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive coverages

This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from getting keyed, hail damage and falling objects. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Best coverage at the best price

When buying insurance coverage, don’t be tempted to skimp on critical coverages to save a buck or two. Too many times, drivers have reduced liability coverage limits only to regret at claim time they didn’t purchase enough coverage. Your aim should be to find the BEST coverage at the best price while still protecting your assets.

Cheaper 2011 Scion xB insurance is attainable both online and also from your neighborhood agents, so you should compare both to have the best rate selection. A few companies may not provide the ability to get a quote online and these regional insurance providers work with independent agents.

Even more information can be read at these sites: