2004 Scion xB Insurance Cost – 8 Discounts for Best Prices

No one in their right mind likes paying for insurance, especially knowing the cost is too high.

Drivers have multiple car insurance companies to pick from, and although it’s a good thing to have a selection, having more insurance companies makes it harder to find the best rates for your vehicles.

Comprehensive Insurance Comparison

All major insurance companies like Geico, State Farm and Progressive quote insurance quotes on the web. Obtaining pricing is fairly straightforward as you just type in the amount of coverage you want into the quote form. Once entered, their system collects your driving record and credit report and returns a price based on these factors. Being able to quote online makes comparing rates easy, but the time it takes to visit multiple sites and enter the same data into a form can be a bit tiresome and repetitive. But it’s absolutely necessary to have as many quotes as possible if you are searching for better prices.

An easier way to locate the lowest prices makes use of a single form that gets prices from a bunch of companies at once. This type of form saves time, eliminates repetitive work, and makes price shopping online much more enjoyable and efficient. After your information is entered, your coverage is rated and you can select any or none of the resulting price quotes.

If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. It takes less than 15 minutes and you will find out if you’re overpaying now.

If you want to find out if lower rates are available, click here to open in a new tab and submit your coverage information. If you have coverage now, it’s recommended you replicate the insurance coverages exactly as they are listed on your policy. This guarantees you will have rate comparison quotes based on identical coverages.

Cut your auto insurance rates with these eight discounts

Properly insuring your vehicles can get expensive, but there are discounts available that can drop the cost substantially. Most are applied when you complete an application, but some must be asked about before they will apply.

  • Defensive Driving Course – Taking part in a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
  • Passive Restraint Discount – Factory air bags or automatic seat belts can receive discounts of more than 20%.
  • Theft Prevention System – Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
  • Government Employees – Employees or retirees of the government can earn a discount up to 10% for xB coverage with a few auto insurance companies.
  • Driver’s Ed – Have your child complete a driver education course if it’s offered in school.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy can get a discount on all vehicles.
  • Discount for Good Grades – This discount can save 20 to 25%. This discount can apply up until you turn 25.
  • E-sign – A handful of insurance companies give back up to $50 just for signing your application over the internet.

A little note about advertised discounts, many deductions do not apply the the whole policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, companies wouldn’t make money that way. But any discount will reduce your overall premium however.

For a list of companies who offer auto insurance discounts, click here.

You are unique and your auto insurance should be too

When buying adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. For example, these questions can help discover if you will benefit from professional help.

  • Do all my vehicles need collision coverage?
  • Is there coverage for injuries to my pets?
  • When does my teenage driver need to be added to my policy?
  • What is the ISO rating for a 2004 Scion xB?
  • Does having multiple vehicles earn me a discount?
  • Do I need added coverage for expensive stereo equipment?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Information about specific coverages

Knowing the specifics of a auto insurance policy can be of help when determining the best coverages for your vehicles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverages offered by auto insurance companies.

Comprehensive insurance – Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, fire damage, vandalism and damage from getting keyed. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Scion xB.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these limits do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for nursing services, X-ray expenses, hospital visits and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability car insurance – Liability insurance will cover damages or injuries you inflict on other people or property by causing an accident. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as court costs, pain and suffering, loss of income and funeral expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision coverages – This coverage covers damage to your xB caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with a tree, sideswiping another vehicle, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.