2014 Scion xD Car Insurance Cost – 5 Ways to Save

Have you fallen victim to an underperforming, overpriced insurance coverage policy? Believe me, many consumers are feeling buyer’s remorse and feel like there’s no way out. With consumers having so many companies to choose from, it’s nearly impossible to choose the most cost effective car insurance company.

Buying car insurance is not that difficult. If you have a policy now or are just looking to switch companies, you can learn to find the best rates while maintaining coverages. Vehicle owners just need to learn the proper way to compare price quotes over the internet.

Get lower rates on Scion xD insurance

Companies offering auto insurance don’t necessarily list all available discounts very clearly, so we took the time to find some of the more common and the harder-to-find ways to save on auto insurance. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Anti-theft System – Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Life Insurance – Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
  • Claim Free – Good drivers with no accidents pay less when compared to frequent claim filers.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.

It’s important to note that most credits do not apply to all coverage premiums. Most only cut specific coverage prices like comprehensive or collision. So when the math indicates you can get free auto insurance, auto insurance companies aren’t that generous.

Companies that may offer some of the above discounts include:

Before buying, ask every prospective company which discounts you may be entitled to. Discounts might not apply in your area.

Insurance Comparisons

Getting a lower price on 2014 Scion xD insurance can be quick and easy. You just need to invest a few minutes comparing rate quotes provided by online insurance companies. This can be accomplished in several different ways.

One of the simplest ways to get quotes is an all-inclusive rate comparison like this one (opens in new window). This method prevents you from having to do separate forms for every insurance company. A single form will get you rate comparisons from many national carriers.

Another way to compare rate quotes requires a trip to each company’s website to complete their respective quote request forms. For example, we’ll pretend you want rates from Auto-Owners, Liberty Mutual and State Farm. To find out each rate you need to spend time on each company’s site to enter your coverage information, which is why the first method is quicker.

For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just be sure to compare the exact same information for every company. If you use different values for each quote it will be very difficult to make a fair comparison for your Scion xD.

Tailor your coverage to you

When buying the right insurance coverage, there really is no perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that may help you determine if your insurance needs would benefit from professional advice.

  • Why do I only qualify for high-risk insurance?
  • Does insurance cover damages from a DUI accident?
  • Should I bundle my homeowners policy with my auto?
  • Do I need medical payments coverage since I have good health insurance?
  • What if I total my 2014 Scion xD and owe more than it’s worth?
  • What are the financial responsibility laws in my state?
  • Can I afford low physical damage deductibles?
  • When can my company non-renew my policy?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Specific coverages for a 2014 Scion xD

Having a good grasp of insurance aids in choosing appropriate coverage for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types offered by insurance companies.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as chiropractic care, surgery, X-ray expenses and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverage – This coverage pays for damage to your xD resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as hitting a parking meter, sideswiping another vehicle, driving through your garage door, colliding with another moving vehicle and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Comprehensive insurance – This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as vandalism, damage from getting keyed and hail damage. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverages – Liability insurance provides protection from injuries or damage you cause to a person or their property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for claims such as bail bonds, structural damage, legal defense fees and repair costs for stationary objects. How much coverage you buy is up to you, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Scion xD.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Make a quick buck

Low-cost 2014 Scion xD insurance can be found from both online companies and with local insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies do not offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

As you go through the steps to switch your coverage, never buy less coverage just to save a little money. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits to discover at claim time that it was a big error on their part. The aim is to buy a smart amount of coverage at the best price, not the least amount of coverage.

Throughout this article, we presented a lot of techniques to reduce insurance prices online. The key concept to understand is the more times you quote, the higher your chance of finding lower rates. Consumers could even find that the best prices are with the least-expected company. Some small companies may cover specific market segments cheaper than their larger competitors like Allstate or State Farm.

More learning opportunities