2015 Scion xB Car Insurance Rates

Trying to find cheaper insurance rates? Buyers have many options when searching for the best price on Scion xB insurance. They can either spend hours calling around to compare prices or utilize the internet to get rate quotes. There is a better way to shop for insurance so we’re going to tell you the proper way to quote coverages for a Scion and obtain the lowest price from local insurance agents and online providers.

If you have insurance now or need new coverage, you can learn to cut your premiums and possibly find even better coverage. This article will let you in on the most effective way to quote insurance. Vehicle owners just need to understand the most effective way to compare rates online.

Pieces of the Scion xB insurance rate puzzle

Smart consumers have a good feel for the factors that play a part in calculating your insurance rates. When you know what positively or negatively impacts premium levels allows you to make educated decisions that can help you get lower insurance prices.

Shown below are a few of the “ingredients” companies use to determine your rates.

  • Cautious drivers pay less – Even a single speeding ticket may increase your cost twenty percent or more. Drivers with clean records get better rates than their less careful counterparts. Drivers who get dangerous violations such as hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.
  • Protect yourself with liability coverage – Your policy’s liability coverage provides coverage in the event that a court rules you are at fault for causing damage or personal injury in an accident. It will provide you with a defense in court starting from day one. Liability is cheap as compared to coverage for physical damage, so drivers should carry high limits.
  • Do you need the policy add-ons? – There are many extra bells and whistles that you can get tricked into buying on your 2015 xB policy. Coverages for personal injury protection, accidental death and membership fees are some examples. These coverages may sound good at first, but your needs may have changed so eliminate them to save money.
  • Bump up deductibles to save – Physical damage coverage, also known as collision and other-than-collision, protects your Scion from damage. A few examples of covered claims could be a windshield shattered by a rock, collision with an animal, and rolling your vehicle. Physical damage deductibles are the amount of money you are willing to pay out-of-pocket in the event of a claim. The higher the amount you have to pay, the lower your rates will be on xB coverage.
  • Males pay more for insurance – Statistics have proven women tend to be less risk to insure than men. That doesn’t necessarily mean that women are better drivers. Women and men cause accidents at a similar rate, but the male of the species cause more damage. Men also tend to have more aggressive citations such as reckless driving. Young males tend to get in the most accidents and therefore have the most expensive insurance rates.
  • An active claims history can cost you – Insurance companies provide cheaper rates to insureds who file claims infrequently. If you are a frequent claim filer, you can look forward to either policy cancellation or increased premiums. Car insurance is intended to be relied upon for major claims that would cause financial hardship.
  • No coverage gaps is important – Allowing your insurance policy to lapse will be a fast way to pay more for insurance. Not only will you pay more, getting caught without coverage will get you a license revocation or jail time.
  • Older drivers pay less – Young drivers are known to be careless and easily distracted behind the wheel so insurance rates are higher. Parents adding a teen driver to your policy can really hurt. Older drivers are more cautious drivers, tend to cause fewer accidents and tend to be better behind the wheel.

Save on 2015 Scion xB insurance

Car insurance companies do not advertise every available discount very well, so we took the time to find both well-publicized and the harder-to-find insurance savings. If you don’t get every credit available, you are throwing money away.

  • Federal Employees – Active or retired federal employment can save as much as 8% on xB coverage with a few insurance companies.
  • Paperwork-free – Certain companies give back up to $50 for buying your policy on their website.
  • Good Student – A discount for being a good student can save 20 to 25%. The good student discount can last up until you turn 25.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts may earn rate discounts up to 30%.
  • Multi-car Discount – Insuring more than one vehicle with the same company could earn a price break for each car.
  • 55 and Retired – Older drivers may be able to get a small decrease in premiums on xB coverage.
  • Multi-policy Discount – When you have multiple policies with the same insurance company you may earn 10% to 20% off each policy.
  • Low Mileage Discounts – Keeping the miles down on your Scion could qualify for better rates on cars that stay parked.

A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. Most only cut specific coverage prices like medical payments or collision. So when it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

To see a list of companies with the best insurance discounts, click here.

Don’t listen to company ads

Consumers get pounded daily by advertisements for cheaper car insurance by State Farm, GEICO and Progressive. All the companies have a common claim about savings if you move to their company.

How does each company make almost identical claims? It’s all in the numbers.

Different companies can use profiling for the type of driver that earns them a profit. An example of a driver they prefer could possibly be over the age of 50, has no prior claims, and drives less than 7,500 miles a year. Any driver that hits that “sweet spot” gets the lowest rates and most likely will pay quite a bit less when switching companies.

Potential insureds who do not match this ideal profile will be charged higher prices and this can result in business going elsewhere. The ads state “people who switch” not “everybody who quotes” save money. That’s why companies can truthfully claim big savings. That is why drivers should get quotes from several different companies. It’s impossible to know which company will fit your personal profile best.

Tailor your coverage to you

When buying proper insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that may help highlight whether your personal situation might need an agent’s assistance.

  • Is my Scion xB covered if I use it for business?
  • Do I benefit by insuring my home with the same company?
  • Is business property covered if stolen from my car?
  • Does coverage extend to Mexico or Canada?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Where can I find DUI or SR-22 insurance?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I better off with higher deductibles on my 2015 Scion xB?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Car insurance coverages for a 2015 Scion xB

Having a good grasp of a car insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage – This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a broken windshield, theft, rock chips in glass, falling objects and hail damage. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as rehabilitation expenses, doctor visits, funeral costs, dental work and hospital visits. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision insurance pays for damage to your xB from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like backing into a parked car, colliding with another moving vehicle, rolling your car and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Scion xB.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability – Liability coverage will cover damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things such as structural damage, bail bonds and legal defense fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

The bottom line

Consumers leave their current company for a variety of reasons including questionable increases in premium, high rates after DUI convictions, not issuing a premium refund or even being labeled a high risk driver. Regardless of your reason, finding a new company can be easy and end up saving you some money.

You just learned some good ideas how you can reduce 2015 Scion xB insurance prices online. The most important thing to understand is the more companies you get rates for, the better likelihood of reducing your rate. You may be surprised to find that the biggest savings come from some of the smallest insurance companies.

As you shop your coverage around, it’s very important that you do not reduce needed coverages to save money. There are many occasions where consumers will sacrifice physical damage coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase a proper amount of coverage at the best price while still protecting your assets.

More detailed car insurance information can be found at these sites: