How Much Does 2012 Scion tC Insurance Cost?

Trying to find cheaper insurance rates for your Scion tC? Insurance shopping is not a task people like to do, but it has to be done when you drive.

Take advantage of discounts

Car insurance companies don’t always list all available discounts in a way that’s easy to find, so the following is a list of both well-publicized as well as the least known ways to save on car insurance.

  • Good Student – A discount for being a good student can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Federal Employees – Simply working for the federal government can earn a discount up to 10% on tC coverage with select insurance companies.
  • Drive Less and Save – Driving fewer miles can earn a substantially lower rate.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Early Signing – Select companies give a discount for signing up before your current policy expires. This can save 10% or more.
  • No Claims – Drivers who don’t have accidents can earn big discounts as compared to bad drivers.
  • Sign Online – A few companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.
  • Accident Waiver – Certain companies permit an accident before your rates go up if you are claim-free for a set time period.
  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less on tC coverage than less cautious drivers.

Keep in mind that some of the credits will not apply to your bottom line cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

For a list of companies offering car insurance discounts, follow this link.

How to know if you need help

When it comes to choosing the right insurance coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For instance, these questions may help you determine if your insurance needs will benefit from professional help.

  • What can I do if my company won’t pay a claim?
  • Does my personal policy cover me when driving out-of-state?
  • Is my ex-spouse still covered by my policy?
  • I don’t drive much so do I pay less?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • What discounts do I qualify for?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Car insurance coverage basics

Knowing the specifics of your car insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Coverage for liability

This coverage will cover injuries or damage you cause to other people or property. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as loss of income, court costs, pain and suffering and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Scion tC.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Collision coverage

This pays for damage to your tC resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as damaging your car on a curb, sideswiping another vehicle, driving through your garage door and colliding with a tree. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, hitting a bird, hitting a deer, theft and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for bills for chiropractic care, hospital visits and nursing services. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

More effort can pay off

As you prepare to switch companies, it’s very important that you do not buy less coverage just to save a little money. There are too many instances where an accident victim reduced uninsured motorist or liability limits only to find out that the few dollars in savings costed them thousands. The aim is to purchase plenty of coverage at a price you can afford while still protecting your assets.

People who switch companies do it for a number of reasons such as extreme rates for teen drivers, being labeled a high risk driver, delays in paying claims or delays in responding to claim requests. Regardless of your reason for switching companies, switching car insurance companies is actually quite simple.

We just presented a lot of techniques to get a better price on 2012 Scion tC insurance. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may even discover the lowest premiums are with a company that doesn’t do a lot of advertising.

More information is located at the links below