2016 Scion iA Car Insurance Quotes – 7 Discounts for Best Rates

Want lower insurance rates for your Scion iA? Have you fallen victim to overpriced insurance? Believe me, you’re not alone. With so many insurance companies to choose from, it can be impossible to choose the best insurer.

You need to compare prices occasionally because insurance rates trend upward over time. Even if you got the best deal for iA insurance a few years ago other companies may now be cheaper. There is a lot of bad information regarding insurance online, so by reading this article, you’re going to learn some good information on how to find affordable insurance.

Compare the Market for Insurance Coverage

Shopping for lower insurance coverage rates can be a lot of work if you aren’t aware of the fastest way to get free quotes. You can spend your afternoon discussing policy coverages with agents in your area, or you could use the internet to get rates in a matter of minutes.

Many companies participate in an industry program where insurance shoppers submit one quote, and each participating company can give them a price based on the submitted data. This saves time by eliminating quote requests to each individual insurance coverage company. To find out what other companies charge for 2016 Scion iA insurance click here to start a free quote.

The only downside to doing it this way is that you can’t choose which providers to get quotes from. If you prefer to choose individual companies to compare rates, we have a listing of companies who write insurance coverage in your area. Click to view list.

However you get your quotes, compare the exact same coverage information for each price quote. If the quotes have different limits and deductibles on each one it will be next to impossible to determine which rate is truly the best.

Don’t overlook these seven discounts

Insurance can cost an arm and a leg, but you can get discounts to cut the cost considerably. Certain discounts will be applied at the time of purchase, but some may not be applied and must be asked for in order for you to get them. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Discount for Swiching Early – A few companies offer discounts for buying a policy prior to your current policy expiration. The savings is around 10%.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use their safety belts could save 15% on the medical payments or PIP coverage costs.
  • Anti-theft System – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Defensive Driver – Successfully completing a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
  • Accident Free – Drivers with accident-free driving histories can earn big discounts compared to accident-prone drivers.
  • Drivers Ed for Students – Require your teen driver to take driver’s ed class in high school.

Consumers should know that some credits don’t apply to all coverage premiums. The majority will only reduce individual premiums such as medical payments or collision. So when it seems like having all the discounts means you get insurance for free, you’re out of luck. But all discounts will bring down the amount you have to pay.

A partial list of companies that may have these money-saving discounts include:

It’s a good idea to ask each company what discounts are available to you. Some discounts might not be offered in your state.

Is my situation unique?

When it comes to buying the best car insurance coverage, there really is not a cookie cutter policy. Every situation is different so this has to be addressed. For instance, these questions might help in determining if your situation could use an agent’s help.

  • When do I need to add a new car to my policy?
  • Should I drop comprehensive coverage on older vehicles?
  • When can my company non-renew my policy?
  • Will filing a claim cost me more?
  • Does coverage extend to my business vehicle?
  • Is my trailer covered?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I need replacement cost coverage on my 2016 Scion iA?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Insurance coverage breakdown

Learning about specific coverages of a insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. These are the usual coverages found on the average insurance policy.

Comprehensive auto coverage – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as vandalism, rock chips in glass, hitting a bird and hitting a deer. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments and PIP coverage – Med pay and PIP coverage pay for immediate expenses for things like ambulance fees, chiropractic care and doctor visits. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Most of the time these limits are identical to your policy’s liability coverage.

Liability – Liability coverage will cover damage that occurs to other people or property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like emergency aid, repair bills for other people’s vehicles and funeral expenses. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Collision coverages – This coverage will pay to fix damage to your iA caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like sideswiping another vehicle, crashing into a building, rolling your car, sustaining damage from a pot hole and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.