2008 Scion xB Insurance Quotes – 5 Ways to Save

Trying to find cheaper auto insurance rates for your Scion xB? Nobody that owns a car likes paying for auto insurance, especially when they know they are paying too much. Vehicle owners have many auto insurance companies to insure vehicles with, and though it is a good thing to have a selection, it makes it harder to find the best rates.

How to buy insurance online

Most major insurance companies provide prices for coverage on the web. Comparing prices online can be done by anyone because it’s just a matter of typing in your required coverages on the page. Upon sending the form, their quoting system will order credit information and your driving record and gives you a price quote. Quoting online simplifies rate comparisons, but the time it takes to visit multiple sites and complete many quote forms can be a bit tiresome and repetitive. But it is imperative to compare as many rates as possible if you want to get the lowest price.

Keep reading for an easier way to compare prices

A better way to lower your insurance bill uses just one form that obtains quotes from multiple companies. It saves time, requires much less work on your part, and makes comparison shopping much more enjoyable and efficient. After sending the form, your coverage is rated with multiple companies and you can pick your choice of the price quotes you receive.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. The whole process only takes a few minutes and may result in a nice savings.

To find out how much you can save on insurance, click here to open in new window and input your coverage information. To compare your current rates, we recommend you duplicate your coverages exactly as shown on your declarations page. Using the same limits helps guarantee you will receive rate quotes for the exact same coverage.

Cheaper rates with these five insurance coverage discounts

Insuring your fleet can be pricey, but there could be significant discounts to help bring down the price. Certain reductions will be credited at quote time, but less common discounts must be requested specifically before being credited. If you don’t get every credit you deserve, you are not getting the best rate possible.

• Accident Forgiveness Coverage – This one is not really a discount per se, but a handful of insurance companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
• Homeowners Pay Less – Owning your own home or condo can get you a discount because maintaining a house shows financial diligence.
• Discounts for Good Drivers – Insureds who avoid accidents can save as much as half off their rates for xB coverage than their less cautious counterparts.
• More Vehicles More Savings – Drivers who insure primary and secondary vehicles on a single policy can reduce rates for all insured vehicles.
• ABS and Traction Control Discounts – Cars with ABS and/or traction control can stop better under adverse conditions and therefore earn up to a 10% discount.

One last thing about discounts, some credits don’t apply to all coverage premiums. Most only reduce individual premiums such as comp or med pay. Just because you may think you could get a free insurance coverage policy, companies don’t profit that way.

The best insurance coverage companies and some of the premium reductions they offer are detailed below.

• 21st Century discounts include homeowners, student driver, anti-lock brakes, defensive driver, 55 and older, and theft prevention.
• State Farm has savings for good student, anti-theft, passive restraint, multiple autos, safe vehicle, Steer Clear safe driver discount, and defensive driving training.
• AAA offers discounts for pay-in-full, AAA membership discount, education and occupation, good student, anti-theft, good driver, and multi-car.
• Liberty Mutual may include discounts for hybrid vehicle, exclusive group savings, teen driver discount, good student, new vehicle discount, and safety features.
• Progressive policyholders can earn discounts including multi-policy, online quote discount, good student, online signing, and multi-vehicle.

Before buying, ask all the companies which discounts you may be entitled to. Discounts might not be offered in your area. If you would like to view providers who offer insurance coverage discounts, follow this link.

Insurance can get complicated

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions may help highlight if your situation might need professional guidance.

• Should I file a claim if it’s only slightly more than my deductible?
• Do I have newly-aquired coverage?
• Can I make deliveries for my home business?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Does insurance cover damages from a DUI accident?
• Is pleasure use cheaper than using my 2008 Scion xB to commute?
• When should my teen driver be added to my policy?
• Do I pay less if my vehicle is kept in my garage?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Information about specific coverages

Having a good grasp of a auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types available from auto insurance companies.

Collision coverage – This coverage pays for damage to your xB caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like scraping a guard rail, damaging your car on a curb, hitting a mailbox, crashing into a building and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Medical payments and PIP coverage – Med pay and PIP coverage pay for immediate expenses such as prosthetic devices, chiropractic care and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as damage to your Scion xB.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Normally these coverages are set the same as your liablity limits.

Comprehensive auto coverage – This covers 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 coverage protects against things like rock chips in glass, damage from a tornado or hurricane and damage from flooding. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability insurance – This provides protection from damage or injury you incur to other’s property or people. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like structural damage, court costs, attorney fees, legal defense fees and bail bonds. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.