2016 Scion iM Car Insurance Quotes

Are you tired of paying out the nose each month for car insurance? You’re in the same situation as many other drivers. There are many insurance companies to purchase coverage from, and though it is a good thing to be able to choose, it makes it harder to compare rates.

You need to get comparison quotes before your policy renews due to the fact that insurance rates are constantly changing. Just because you had the lowest price on iM insurance a few years ago there is a good chance you can find better rates now. There is a lot of wrong information about insurance coverage on the internet, so by reading this article, you’re going to learn some solid techniques on how to buy insurance coverage cheaper.

Car Insurance Comparison Rates

Reducing your 2016 Scion iM insurance rates can be relatively painless. Consumers just need to spend a few minutes comparing rates online with multiple companies. This is very easy and can be done in several different ways.

  1. The recommended way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This type of form prevents you from having to do separate forms for each company you want a rate for. One quote request gets rate comparisons from car insurance companies with the best prices.
  2. Another way to compare prices requires you to visit each company website to request a price quote. For sake of this example, we’ll assume you want comparison quotes from Nationwide, State Farm and GMAC. To get each rate you have to take the time to go to each site and enter your policy data, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  3. The most time-consuming way to compare rates is to spend your day driving to insurance agents’ offices. Shopping for car insurance online makes this process obsolete unless you prefer the trained guidance that only a license agent can provide. Drivers can comparison shop online and still use a local agent and we’ll cover that in a bit.

It doesn’t matter which method you choose, just make absolute certain that you use the exact same deductibles and coverage limits for every quote you compare. If each company quotes mixed coverages it’s not possible to determine which rate is truly the best.

Elements that influence Scion iM insurance rates

Consumers need to have an understanding of the rating factors that help determine auto insurance rates. Understanding what controls the rates you pay empowers consumers to make smart changes that may reward you with better auto insurance rates.

  • Older drivers save more – Young drivers are statistically proven to be less responsible behind the wheel so they pay higher auto insurance rates. Having to add a youthful driver onto your auto insurance can really hurt. Older drivers tend to be more responsible, tend to cause fewer accidents and are safer drivers.
  • Your job and insurance rates – Did you know your job can affect your rates? Occupations such as doctors, social workers and dentists are shown to have the highest average rates due to stressful work requirements and lengthy work days. Other jobs such as pilots, historians and homemakers pay the least on iM insurance.
  • Do you have enough liability coverage? – Liability insurance will protect you when a court rules you are at fault for damages from an accident. It provides legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so do not cut corners here.
  • Never go without insurance – Having an insurance coverage lapse will be a sure-fire way to bump up your auto insurance costs. And not only will your rates increase, failure to provide proof of insurance can result in a revoked license or a big fine.
  • Where you reside plays a part – Choosing to live in less populated areas has it’s advantages when talking about auto insurance. Lower population means a lower chance of having an accident as well as less vandalism and auto theft. Drivers in populated areas have congested traffic and longer commute times. More time commuting translates into higher accident risk.
  • Keep rates low by being claim-free – Car insurance companies provide lower rates to policyholders who are claim-free. If you are a frequent claim filer, you can look forward to either a policy non-renewal or much higher rates. Insurance coverage is designed for major claims that would cause financial hardship.

Save money by taking advantage of these discounts

Insurance can cost an arm and a leg, but there are discounts available that many people don’t even know exist. Certain discounts will be applied at quote time, but less common discounts must be manually applied before they will apply. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Driver Safety – Completing a defensive driving course could possibly earn you a 5% discount depending on where you live.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Multiple Cars – Insuring all your vehicles on the same insurance coverage policy can get a discount on all vehicles.
  • Memberships – Being a member of a qualifying organization is a good way to get lower rates on insurance coverage on iM insurance.

Keep in mind that most discounts do not apply to the entire cost. A few only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, you’re out of luck. But any discount will help reduce the cost of coverage.

Companies that may offer these discounts may include but are not limited to:

Double check with all companies you are considering what discounts are available to you. Discounts may not be available in every state.

When should I use an insurance agent?

When it comes to buying adequate coverage, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions could help you determine whether your personal situation may require specific advice.

  • Am I covered when pulling a rental trailer?
  • Does my personal policy cover me when driving out-of-state?
  • What is roadside assistance coverage?
  • I have health insurance so do I need medical payments coverage?
  • Do all my vehicles need collision coverage?
  • Are rental cars covered under my policy?
  • How much liability do I need to cover my assets?
  • When do I need to add a new car to my policy?
  • Am I covered when delivering products for my home-based business?
  • Can I drive in Mexico and have coverage?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk 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 only takes a few minutes and may give you better protection.

Specifics of your insurance policy

Understanding the coverages of your insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. Shown next are the normal coverages found on the average insurance policy.


Liability coverage protects you from damage that occurs to other’s property or people that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like pain and suffering, structural damage, legal defense fees and funeral expenses. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for pain medications, chiropractic care, dental work, nursing services and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive insurance

This coverage pays to fix your vehicle from 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 can pay for things such as hitting a bird, damage from flooding and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like sustaining damage from a pot hole, hitting a parking meter, damaging your car on a curb, driving through your garage door and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

One last thing

Affordable 2016 Scion iM insurance can be purchased on the web in addition to many insurance agents, so compare prices from both so you have a total pricing picture. A few companies do not provide online price quotes and these small, regional companies work with independent agents.

In this article, we presented a lot of tips how to save on insurance. It’s most important to understand that the more quotes you get, the higher the chance of saving money. Consumers may even find the lowest rates come from some of the smallest insurance companies. These companies can often insure niche markets at a lower cost as compared to the big name companies such as GEICO and State Farm.

Additional information can be found at these links: