2013 Scion FR-S Car Insurance Cost

Beginners to comparing car insurance rates on the web might discover purchasing affordable auto insurance is more work than they anticipated.

Finding affordable coverage is not rocket science. Essentially anyone who is shopping for insurance coverage will more than likely be able to find lower rates. But car owners must learn how companies compete online and take advantage of how the system works.

The easiest way to get policy rate comparisons is to take advantage of the fact car insurance companies will pay a fee to provide you with a free rate quote. To start a quote, the only thing you need to do is take a few minutes to give details like what you do for a living, types of safety features, your education level, and daily mileage. The data is then sent to multiple companies and you will receive price estimates instantly.

Big names are not always cheapest

Auto insurance providers like GEICO, State Farm and Progressive continually stream ads on TV and radio. They all seem to make the same claim that you can save if you switch your policy. How is it possible that every company can have lower policy pricing? This is how they do it.

Different companies give the cheapest rates for the driver that earns them a profit. An example of a profitable risk profile may be over age 30, has no tickets, and drives less than 7,500 miles a year. Anybody who meets those qualifications will get low premium rates and most likely will save when switching.

Potential insureds who fall outside the “perfect” profile may receive a higher rate which results in the driver buying from a lower-cost company. If you listen closely, the ads state “drivers who switch” not “all people who quote” save that much money. That is how companies can make those claims. Different companies use different criteria so you really should compare many company’s rates. Because you never know which insurance companies will fit you best based on your risk profile.

How to lower your insurance prices

Multiple criteria are used when you quote your car insurance policy. Some factors are common sense such as your driving record, but others are not as apparent such as your credit history and annual miles driven.

  • Insurance rates in urban areas – Having an address in small towns and rural areas is a good thing when talking about insurance. People in densly populated areas have to deal with more auto accidents and higher rates of accident claims. Fewer drivers on the road means a lower chance of having an accident in addition to lower liability claims
  • Eliminate extra coverages – There are quite a few extra add-on coverages that can waste your money if you don’t pay attention. Coverage for things like replacement cost coverage, better glass coverage, and additional equipment coverage could be just wasting money. These may sound like a good investment at first, but if you don’t need them remove them from your policy.
  • Be proud to be claim-free – Insurance companies award discounts to insureds who do not file claims often. If you tend to file frequent claims, you can definitely plan on higher rates. Insurance coverage is meant to be used in the event of the large, substantial claims.
  • Cars with good safety ratings are cheaper to insure – Cars with high safety ratings can get you lower premiums. Highly rated vehicles reduce injuries and lower rates of occupant injuries means less claims paid and cheaper rates on your policy.
  • Don’t get traffic citations – How you drive influences premium rates substantially. Having just one speeding ticket or other violation can boost insurance rates twenty percent or more. Drivers who don’t get tickets tend to pay less for car insurance as compared to those with violations. Drivers who have serious violations such as reckless driving, hit and run or driving under the influence may be required to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to continue driving.

Car insurance policy discounts you can’t miss

Car insurance is expensive, but discounts can save money and there are some available that you may not even know about. Many of these discounts will be applied automatically when you purchase, but some must be requested specifically prior to getting the savings.

  • Theft Deterent System – Vehicles that have factory anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.
  • Savings for New Vehicles – Insuring a vehicle that is new can get you a discount compared to insuring an older model.
  • Driver Education Discount – Cut your cost by having your teen driver participate in a local driver’s education class in high school.
  • No Claims – Drivers who stay claim-free have much lower rates in comparison with drivers who are more careless.
  • ABS Brakes – Anti-lock brake equipped vehicles are much safer to drive and will save you 10% or more.
  • Discounts for Good Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for FR-S insurance as compared to drivers with claims.
  • Pay Early and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can avoid the installment charge.
  • E-sign Discounts</strong – Many companies may give you up to $50 simply for signing on their website.
  • Save over 55 – Drivers that qualify as senior citizens can get a small discount on rates for FR-S insurance.
  • Data Collection Discounts – People who choose to allow driving data submission to monitor driving habits by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if they are good drivers.

We need to note that some of the credits will not apply the the whole policy. Some only apply to specific coverage prices like medical payments or collision. So even though it sounds like it’s possible to get free car insurance, it just doesn’t work that way.

Large car insurance companies and a selection of discounts include:

  • AAA may include discounts for multi-policy, AAA membership discount, anti-theft, good student, pay-in-full, and multi-car.
  • Progressive offers discounts for multi-vehicle, online signing, multi-policy, online quote discount, and homeowner.
  • State Farm has savings for multiple policy, Steer Clear safe driver discount, Drive Safe & Save, accident-free, and defensive driving training.
  • Esurance has discounts for safety device, renters, good student, emergency road assistance, and multi-car.
  • Nationwide includes discounts for anti-theft, defensive driving, accident-free, Farm Bureau membership, multi-policy, business or organization, and good student.

It’s a good idea to ask each company what discounts are available to you. Discounts may not apply in your area. If you would like to view insurance companies that offer multiple discounts, follow this link.

Insurance agents can help

When choosing proper insurance coverage for your vehicles, there really is no “best” method to buy coverage. Every situation is different.

These are some specific questions may help you determine whether you may require specific advice.

  • When would I need rental car insurance?
  • How much liability do I need to cover my assets?
  • I have a DUI can I still get coverage?
  • Are my friends covered when driving my car?
  • When would I need additional glass coverage?
  • Am I covered when driving someone else’s vehicle?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is my nanny covered when driving my vehicle?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Specific coverages for a Scion FR-S

Learning about specific coverages 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 difficult to understand and coverage can change by endorsement.

Coverage for collisions

Collision coverage pays for damage to your FR-S from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as sustaining damage from a pot hole, scraping a guard rail, hitting a parking meter and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to bring the cost down.

Liability coverages

This coverage provides protection from damage that occurs to other people or property that is your fault. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims like attorney fees, emergency aid, medical expenses, court costs and structural damage. How much coverage you buy is up to you, but buy as much as you can afford.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Scion FR-S.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Medical expense coverage

Med pay and PIP coverage provide coverage for short-term medical expenses for nursing services, X-ray expenses, EMT expenses, pain medications and dental work. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, hitting a bird, damage from flooding, rock chips in glass and theft. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

What is YOUR best insurance company?

There are still a few companies who may not offer online rate quotes small, regional companies prefer to sell through independent agents. Budget-friendly car insurance is definitely available online as well as from independent agents, so you should be comparing quotes from both to have the best selection.

As you restructure your insurance plan, never skimp on critical coverages to save a buck or two. There are a lot of situations where an accident victim reduced collision coverage to discover at claim time that they should have had better coverage. The proper strategy is to purchase plenty of coverage at the best cost, but do not sacrifice coverage to save money.

In this article, we presented a lot of techniques to get a better price on 2013 Scion FR-S insurance. It’s most important to understand that the more you quote auto insurance, the higher your chance of finding inexpensive auto insurance. Consumers could even find that the lowest auto insurance rates are with the smaller companies.

Additional information can be found at the links below

Comments About 2013 Scion FR-S Insurance

  1. Vernia Puckett

    Lifelong resident of Warwick, RI. Received quotes with Allstate, American Family, Esurance, and GMAC for my 2013 Scion FR-S and saved $448 a year. Insured with Mercury before. A clean driving record helps.

  2. Barrett Dillon

    Just a quick comment on my experience. I’m in the suburbs of Oklahoma City, OK. I got free rates from Liberty Mutual, American Family, MetLife, and a couple others for my 2013 Scion FR-S and saved $197 a year.

  3. Jacqualine Jenkins

    Does 21st Century have good claim service?

  4. Shara Rodriguez

    Do I have to carry car insurance in Kansas?

  5. Nona Savage

    Found cheapest coverage with Amica for my FR-S and am saving around $380 a year. Have an at-fault accident tho.

  6. Domonique Hood

    Any Progressive or Encompass customers near Denver, CO?

  7. Mina Duran

    Went with Allstate for my Scion and saved around $550 a year. Left Mercury to switch. Bought it from an online quote.

  8. Claudia Bailey

    If you don’t have tickets and are close to Columbia, SC, check out 21st Century. I saved quite a bit.

  9. Viviana Wilkinson

    I can’t pay high rates. Lifelong resident of Rutland, VT. Not sure of all the companies but I ended up saving about $30 each month.

  10. Refugio Phelps

    I’m just east of Jackson, MS. Received prices from GEICO, GMAC, and Farmers for my Scion and saved $114 a year.

  11. June Sykes

    Hope my car insurance gets cheaper. I’m in the north part of Atlanta, Georgia. I got free quotes from AAA, Mercury, and a few others for my Scion and I think I saved about $60 each month. Was with AIG Insurance.

  12. Christian Howe

    Will GEICO do a SR22 in Cedar Rapids, IA?

  13. Jeremy Faulkner

    All companies are crooks. Lifelong resident of Jackson, Mississippi. I don’t recall every quote but I ended up saving about $40 each month. Good savings if you bundle.