Compare 2008 Scion xB Car Insurance Quotes

Want the cheapest auto insurance rates for your Scion xB? Are you tired of scraping the payment together to insure your Scion every month? You are no different than most other car owners.

Insurance companies such as Allstate and Progressive increase brand awareness with TV and radio ads and it is challenging if not impossible to ignore the flashy ads and take the time to shop coverage around.

It’s a good idea to compare rates at least once a year because insurance rates tend to go up over time. Even if you think you had the best rates for xB insurance a year ago you may be paying too much now. Forget all the misinformation about auto insurance because you’re about to find out the fastest and easiest way to get good coverage at a lower rate.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these methods. Choosing the best insurance company for you is not rocket science. Although drivers do need to learn the way companies sell insurance online because it can help you find the best coverage.

The quickest method we recommend to compare car insurance company rates is to know car insurance companies participate in online systems to provide you with a free rate quote. The only thing you need to do is provide information such as if you are currently licensed, your credit rating estimate, any included safety features, and your education level. Your information is submitted instantly to all major companies and they return rate quotes very quickly.

Pay less by taking advantage of discounts

Insuring your vehicles can cost a lot, but you may find discounts that you may not know about. Larger premium reductions will be automatically applied at quote time, but a few must be specifically requested before you get the savings.

  • Auto/Life Discount – Companies who offer life insurance give better rates if you take out life insurance.
  • Multiple Policy Discount – When you have multiple policies with the same company you may earn 10% to 20% off each policy.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Good Students Pay Less – Performing well in school can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
  • Low Mileage – Keeping the miles down on your Scion can earn a substantially lower rate.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.
  • Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • No Accidents – Drivers with accident-free driving histories pay less compared to frequent claim filers.
  • Student Driver Training – Cut your cost by having your teen driver take driver’s ed class in school.
  • Paperwork-free – A few companies may give you up to $50 simply for signing digitally online.

It’s important to note that some credits don’t apply to the entire policy premium. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears it’s possible to get free car insurance, it doesn’t quite work that way. Any qualifying discounts will help reduce the amount you have to pay.

To see a list of insurers with discount insurance coverage rates, click this link.

Your coverage should be tailored to you

When it comes to buying the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions can help discover if your situation would benefit from professional advice.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered if I wreck a rental car?
  • What is UM/UIM insurance?
  • Should I carry comprehensive and collision coverage?
  • How can I get high-risk coverage after a DUI?
  • Do I need roadside assistance coverage?
  • I don’t drive much so do I pay less?
  • Is a blown tire covered by insurance?
  • Does coverage extend to a rental car in a foreign country?
  • Will I be non-renewed for getting a DUI or other conviction?

If you can’t answer these questions, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Why your Scion xB insurance rates may be high

Smart consumers have a good feel for the factors that come into play when calculating your insurance coverage rates. When you know what positively or negatively determines base rates helps enable you to make changes that can help you get big savings.

  • Low deductibles can be expensive – Physical damage coverage, also known as collision and other-than-collision, protects your Scion from damage. Some examples of claims that would be covered are a windshield shattered by a rock, collision with an animal, and burglary. 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 the insured has to pay upfront, the lower your rates will be for xB insurance.
  • How credit affects insurance coverage rates – Your credit rating is a large factor in determining what you pay for insurance coverage. Consumers who have good credit tend to be less risk to insure than those with poor credit. Therefore, if your credit score can use some improvement, you could save money insuring your 2008 Scion xB by improving your credit score.
  • Battle of the sexes – Statistics demonstrate that women are safer drivers than men. However, don’t assume that women are BETTER drivers than men. They both are in accidents at about the same rate, but the male of the species cause more damage and cost insurance companies more money. Men also tend to receive more costly citations like reckless driving and DUI.
  • Teen drivers pay high rates – More mature drivers tend to be more responsible, file fewer claims and are safer drivers. Teen drivers are known to get distracted easily when driving and because of this, their insurance coverage rates are much higher.
  • Bundling policies can get discounts – Most insurance coverage companies will award you with lower prices to insureds who consolidate policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to compare rates to make sure you are getting the best deal.
  • Safer occupants lowers premiums – Vehicles with high crash test scores can get you lower premiums. Safer cars reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Scion earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Marriage pays dividends – Having a spouse actually saves money on insurance coverage. Having a significant other means you’re more responsible and statistics show drivers who are married are more cautious.

Ads can be misleading

Insurance providers like State Farm and Allstate regularly use ads on TV and radio. They all have a common claim about savings if you move to their company. How can each company claim to save you money? This is how they do it.

All companies have a preferred profile for the type of driver that earns them a profit. For example, a profitable customer might be over the age of 40, insures multiple vehicles, and has a short commute. A propective insured who meets those qualifications gets the lowest rates and therefore will save when they switch companies.

Drivers who don’t meet this ideal profile will be charged more money and this can result in business going elsewhere. The ad wording is “customers that switch” not “everybody who quotes” save that kind of money. That’s the way insurance companies can confidently advertise the way they do.

That is why you need to compare as many rates as you can. It’s impossible to know the company that will give you the biggest savings on Scion xB insurance.

Information about specific coverages

Knowing the specifics of your insurance policy can be of help when determining which coverages you need for your vehicles. Insurance terms can be impossible to understand and coverage can change by endorsement. These are typical coverages found on most insurance policies.

Collision coverage

Collision coverage covers damage to your xB caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like hitting a mailbox, crashing into a building, colliding with a tree, backing into a parked car and sustaining damage from a pot hole. 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 choose a higher deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your 2008 Scion xB.

Because many people 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. Frequently the UM/UIM limits are set the same as your liablity limits.

Liability coverages

Liability insurance protects you from injuries or damage you cause to people or other property that is your fault. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as attorney fees, pain and suffering, structural damage, loss of income and emergency aid. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Medical expense insurance

Med pay and PIP coverage pay for immediate expenses like ambulance fees, rehabilitation expenses, nursing services, prosthetic devices and chiropractic care. They are used in conjunction with a health insurance program or if you do not have health coverage. They 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 but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from a tornado or hurricane, a broken windshield, theft, damage from getting keyed and hitting a deer. The most 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 probably time to drop comprehensive insurance.

The best insurance company isn’t always the cheapest

Lower-priced 2008 Scion xB insurance can be found on the web in addition to many insurance agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies do not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

We’ve covered some good ideas how you can reduce insurance prices online. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Drivers may discover the biggest savings come from a small local company. Regional companies often have lower prices on specific markets than the large multi-state companies such as Allstate or State Farm.

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