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Scion IM Insurance Rates

You have lots of choices when insurance shopping for your Scion vehicle. You can buy direct from your neighborhood insurance agent or get quotes online to check prices from multiple companies. Finding cheaper auto insurance online saves time, is easy to do and at the same time you will probably save money.

Finding the best direct price on auto insurance is challenging if you are a beginner to online rate quotes. But don't let that discourage you because there is an easy way to compare rates. Cutting your iM insurance cost is not rocket science. Drivers just need to take a couple of minutes comparing rates online from several insurance companies. It is quite easy and can be accomplished by completing this short form.

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What factors determine the rate you pay?

Insurance rates for a Scion iM will vary greatly and are calculated by many factors. Taken into consideration are:

  • High performance increases premiums
  • Your accident history
  • Home/auto policy bundles save money
  • Use of your vehicle
  • Special coverage such as replacement cost
  • No claims lowers premiums
  • Maintaining coverage lowers rates
  • Whether you rent or own your home

One last important factor which can affect the rate you pay on your Scion is the year of manufacture. New vehicles have a higher actual cash value so the costs to repair will push premiums up. But newer models may have options including a collision avoidance system, a telematics system, dual-stage airbags, and pedestrian detection so those may give discounted rates.

To get more specific information about how much rates will be for your vehicle, select the year of your iM from available model years below.

Liability coverage - This protects you from damages or injuries you inflict on other people or property that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so purchase as much as you can afford.

Collision - This pays for damage to your Scion caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company. iM collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It's also possible to choose a higher deductible to save money on collision insurance.

Comprehensive coverage - Comprehensive insurance 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. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.

UM/UIM Coverage - This protects you and your vehicle when the "other guys" do not carry enough liability coverage. Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP - Med pay and PIP coverage kick in for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.

How Much are Scion iM Insurance Rates?