2016 Scion FR-S Insurance Quotes

Are you overwhelmed by the dozens of auto insurance choices? Lot’s of other consumers are too. Drivers have so many companies to choose from that it can turn into a big hassle to find the perfect company for you.

Insurance Quote Comparison

Performing a rate comparison can be a daunting task if you don’t understand the best way to get rate quotes. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you could save time and use online quotes for quick rates.

Most major companies participate in a marketplace that enables customers to submit one quote, and each company can give them a price based on that data. This saves time by eliminating quote requests to each individual insurance company. To find out how much you can save on insurance click here to open in new window.

The only downside to using this type of form is buyers cannot specifically choose which carriers you want pricing from. So if you prefer to pick specific providers to compare prices, we have a page of insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just double check that you are using exactly the same deductibles and coverage limits for every quote you compare. If you have mixed coverages you will not be able to truly determine the lowest rate. Just a small difference in coverage limits can make a big difference in price. And when comparison shopping, getting more free quotes will improve the odds of getting lower pricing.

Save on Scion FR-S insurance

Companies offering auto insurance don’t always advertise all available discounts in a way that’s easy to find, so we took the time to find both the well known as well as the least known auto insurance savings.

  • Lower Rates for Military – Having a deployed family member could mean lower rates.
  • Employee of Federal Government – Active or retired federal employment may qualify you for a discount for FR-S coverage depending on your company.
  • Life Insurance – Larger companies have a break if you buy life insurance.
  • Senior Discount – Mature drivers may qualify for a small decrease in premiums for FR-S coverage.
  • Drivers Education – Have your child enroll in driver’s education in school.
  • Club Memberships – Affiliation with a professional or civic organization is a good way to get lower rates when shopping for auto insurance for FR-S coverage.
  • Anti-theft System – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. The majority will only reduce the cost of specific coverages such as comp or med pay. So despite the fact that it appears you could get a free auto insurance policy, you’re out of luck.

To see a list of companies with the best auto insurance discounts, click here to view.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there isn’t really a single plan that fits everyone. Every insured’s situation is different.

For instance, these questions could help you determine if you will benefit from professional help.

  • Does insurance cover tools stolen from my truck?
  • Does my medical payments coverage pay my health insurance deductible?
  • What if I don’t agree with a claim settlement offer?
  • Am I insured when driving a different vehicle?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • What are the best liability limits?
  • Are my friends covered when driving my car?
  • Is there coverage for injuries to my pets?
  • If I drive on a suspended license am I covered?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form.

Car insurance coverages for a Scion FR-S

Understanding the coverages of your car insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance – This provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Scion FR-S.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Collision coverages – This pays for damage to your FR-S resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as crashing into a building, damaging your car on a curb, driving through your garage door and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Liability car insurance – Liability coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as structural damage, pain and suffering and loss of income. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as vandalism, a broken windshield, rock chips in glass and hitting a bird. The maximum payout a car 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 consider removing comprehensive coverage.

Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for immediate expenses like rehabilitation expenses, surgery and doctor visits. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage