Want lower insurance rates for your Scion xB? Wish you could get out of high-priced insurance? You’re in good company because you’re not the only one. Numerous car insurance companies battle for your business, so it can be very hard to choose a provider to get the best rate
If you are insured now or need new coverage, you can learn to get lower rates and possibly find even better coverage. Buying car insurance is quite easy. Vehicle owners just need to understand the proper methods to compare price quotes online.
Performing a rate comparison can take time and effort if you don’t know the most efficient way to do it. You can spend countless hours talking to insurance companies in your area, or you can stay home and use online quotes to get the quickest rates.
All the larger companies enroll in a system where prospective buyers enter their coverage request one time, and each participating company then gives them pricing. This saves time by eliminating quote requests to every company.
To get comparison pricing now click here (opens in new window).
The one downside to doing it this way is you are unable to specify the insurers you want pricing from. If you wish to select from a list of companies to receive pricing from, we have a listing of low cost insurance companies in your area. View list of insurance companies.
How you compare quotes is your choice, just try to keep apples-to-apples coverage limits for each quote you get. If each company quotes different data then you won’t be able to determine which rate is truly the best.
Drivers can’t avoid all the ads for car insurance savings by companies like Progressive, Geico, Allstate and State Farm. All the ads tend to make the same promise about saving some big amount if you move your car insurance policy to them.
How do they all charge less that you’re paying now?
All companies give the best rates for the type of driver that earns them the highest profit. For example, a profitable customer may be a female over age 40, carries full coverage, and drives a vehicle with a low ISO rating. Anyone who fits that profile will most likely get cheap premium rates and will also save some money.
Potential customers who fall outside those criteria will probably be forced to pay a higher premium with the end result being business going elsewhere. The wording the ads use say “drivers who switch” but not “everyone who gets a quote” can get the lowest rates when switching. That is how insurance companies can advertise the savings.
That is why you really should compare quotes as often as possible. Because you cannot predict which insurance companies will have the lowest auto insurance rates for your situation.
Companies that sell car insurance do not list every disount available in an easy-to-find place, so here is a list both well-publicized and also the lesser-known credits available to you. If you’re not getting every credit available, it’s possible you qualify for a lower rate.
You can save money using discounts, but most discounts do not apply the the whole policy. Most cut individual premiums such as collision or personal injury protection. If you do the math and it seems like all those discounts means the company will pay you, it’s just not the way it works.
A few companies that may offer quotes with these discounts possibly include:
It’s a good idea to ask every insurance company which discounts you qualify for. All car insurance discounts might not be offered on policies in your state. If you would like to see a list of providers that offer discounts, click here to view.
When choosing adequate coverage for your personal vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions could help you determine if your situation might need an agent’s assistance.
If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.
Learning about specific coverages of a insurance policy can help you determine which coverages you need for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages offered by insurance companies.
This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive insurance covers things like vandalism, theft, falling objects, hitting a deer and hitting a bird. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Coverage for medical payments and/or PIP kick in for expenses such as hospital visits, ambulance fees, rehabilitation expenses, EMT expenses and chiropractic care. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay
Collision insurance covers damage to your xB from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things like damaging your car on a curb, scraping a guard rail, crashing into a building and backing into a parked car. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.
This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.
Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.
This coverage can cover damage that occurs to people or other property in an accident. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.
Liability can pay for claims like medical expenses, funeral expenses, repair costs for stationary objects, repair bills for other people’s vehicles and bail bonds. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.
When buying insurance coverage, make sure you don’t skimp on critical coverages to save a buck or two. There have been many cases where an insured dropped liability limits or collision coverage to discover at claim time that it was a big error on their part. Your goal should be to buy the best coverage you can find at the best cost and still be able to protect your assets.
In this article, we covered many ideas to lower your 2010 Scion xB insurance car insurance rates. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding the cheapest auto insurance. You may even discover the lowest car insurance rates are with a small mutual company. These companies may have significantly lower premium rates on certain market segments than their larger competitors like Allstate and Progressive.
More tips and info about insurance coverage can be found by following these links:
Jenise Perez
I’ve had 21st Century for years. I’m in Grand Forks, ND.
Devon Holcomb
It’s all a rip off. Checking in from Bridgeport, Connecticut. Went online for free insurance quotes for a 2010 Scion xB. Ended up at about $170 savings annually. Went with 21st Century. I get lower rates because of my clean driving record. I recommend comparing lots of rates.
Pok Barron
I found pretty cheap rate quotes for a 2010 Scion xB in Provo, Utah. Ended up at roughly $280 every six months with AAA. A clean driving record helps. They were helpful in switching over.
Sean York
Like your site, BTW. Located in Juneau, AK. Checked online prices for a 2010 Scion xB. Ended up at about $460 savings annually. Went with GEICO. Got better coverage too.
Jackqueline Moore
Got pretty cheap 2010 Scion xB insurance from 21st Century in Billings, MT.
Harriette Meyers
Hope my car insurance gets cheaper. I live in Phoenix, AZ. I got free quotes from Travelers, AAA, Hartford, and Nationwide for my xB and I think I cut my rates about $60 each month.
Elvis Foster
I’ve bought from Progressive forever. Cheapest rates in San Diego, CA.
Josefina Sharpe
I live in Cincinnati, OH. Compared rates from a lot of places. Saved darn near $30 a month. State Farm was the most affordable for me. Was with Encompass. Hardly afford to drive anymore.
Latrisha Russell
Not sure what I should be paying. Live in the western part of New Haven, CT. I quoted with American Family, Nationwide, and some smaller one I can’t remember the name of for my xB and cut my rates about $210 a year. Moved home policy as well. Not sure if rates are cheaper online or through an agent.
Sunshine Stevens
If you have a clean record and live in the vicinity of Fairbanks, Alaska, check out Allstate. They seem to be cheaper.
Eulah Gamble
Looking for cheaper 2010 Scion xB insurance in Las Vegas, NV. Help!
Marina Lee
Cheap car insurance? What’s that? Located in South Burlington, VT. Quoted with AAA, Erie, and Mercury for my xB and I think I saved about $50 each month.