2010 Scion xD Insurance Rates – 7 Savings Tips

Trying to find cheaper insurance for a new or used Scion xD can normally be difficult, but you can use the following methods to save time. There is a better way to buy insurance coverage and you need to know the absolute fastest way to quote coverages on a Scion and locate the cheapest rates from local insurance agents and online providers.

If you have a policy now or need a new policy, you can follow these tips to find better prices while maintaining coverages. Pricing cheaper protection can be fairly easy. Consumers just need to know the best way to buy car insurance over the internet.

Cheaper auto insurance quotes with discounts

Auto insurance companies don’t necessarily list every policy discount in an easy-to-find place, so we took the time to find a few of the more common and the more hidden ways to save on auto insurance. If you’re not getting every credit available, it’s possible you qualify for a lower rate.

• First Accident Forgiveness – Not really a discount, but some insurance companies allow you one accident before your rates go up if your claims history is clear for a set time period.
• Onboard Data Collection – Drivers who elect to allow companies to spy on driving manner by using a small device installed in their vehicle like Allstate’s Drivewise could save a few bucks as long as they are good drivers.
• Drivers Ed for Students – Have your child successfully complete driver’s ed class as it can save substantially.
• Discounts for Multiple Vehicles – Purchasing coverage when you have multiple vehicles on a single policy may reduce the rate for each vehicle.
• Senior Citizen Rates – If you qualify as a senior citizen, you may receive lower premium rates for xD insurance.
• Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of 25 to 30%.
• Theft Prevention Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and will save you 10% or more.

As a sidenote, most credits do not apply to the overall cost of the policy. Most cut individual premiums such as medical payments or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy. But all discounts will help lower your overall bill.

A few of the larger companies and a summarized list of policyholder discounts can be read below.

• State Farm has savings for multiple policy, passive restraint, multiple autos, accident-free, driver’s education, Steer Clear safe driver discount, and good driver.
• Nationwide offers discounts for accident-free, multi-policy, anti-theft, business or organization, and defensive driving.
• Geico may have discounts that include anti-lock brakes, seat belt use, membership and employees, driver training, and military active duty.
• AAA may offer discounts for education and occupation, pay-in-full, good student, anti-theft, and multi-car.
• 21st Century offers premium reductions for automatic seat belts, teen driver, theft prevention, good student, anti-lock brakes, air bags, and defensive driver.
• The Hartford includes discounts for air bag, defensive driver, anti-theft, driver training, bundle, and good student.

It’s a good idea to ask every prospective company to give you their best rates. Discounts may not apply to policies in your area. To see insurers with the best auto insurance discounts, click here.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions might point out if your situation might need an agent’s assistance.

• Should I drop comprehensive coverage on older vehicles?
• Is my state a no-fault state?
• Am I missing any policy discounts?
• Will filing a claim cost me more?
• Do I need more liability coverage?
• Does my insurance cover my expensive audio equipment?
• Am I better off with higher deductibles on my 2010 Scion xD?
• Is business property covered if stolen from my car?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Specifics of your auto insurance policy

Understanding the coverages of auto insurance can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Collision protection

Collision insurance will pay to fix damage to your xD resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as hitting a mailbox, colliding with another moving vehicle and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Medical costs insurance

Med pay and PIP coverage kick in for short-term medical expenses for things like ambulance fees, prosthetic devices, dental work, surgery and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers you and your occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a deer, falling objects and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Scion xD.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Auto liability insurance

Liability insurance protects you from damage or injury you incur to other’s property or people by causing an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like court costs, pain and suffering, loss of income, bail bonds and funeral expenses. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Shop. Compare. Save.

Some insurance coverage companies may not offer rates over the internet and many times these regional carriers only sell through independent insurance agencies. More affordable insurance coverage is available both online as well as from insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates.

We just covered a lot of tips how to lower your 2010 Scion xD insurance premium rates. The most important thing to understand is the more you quote insurance coverage, the higher your chance of finding affordable insurance coverage. Drivers may discover the biggest savings come from a lesser-known regional company.

While you’re price shopping online, it’s a bad idea to buy poor coverage just to save money. There are many occasions where someone dropped liability coverage limits only to regret they didn’t have enough coverage. Your objective should be to get the best coverage possible at the best price and still be able to protect your assets.

More resources

• Top Signs Your Brakes are Giving Out (State Farm)
• Choosing an Insurance Company (Insurance Information Insitute)
• Keeping Children Safe in Crashes Video (iihs.org)
• What does Personal Injury Protection (PIP) Cover? (Allstate)