2014 Scion FR-S Insurance Quotes – 9 Discounts for Cheaper Rates

Trying to find the cheapest insurance rates for your Scion FR-S? Are you burned out from paying out the nose to keep your car insured? You are no different than the majority of other vehicle owners.

Popular companies such as Allstate and Progressive persitently shower you with fancy advertisements and consumers find it hard to see past the geckos and flying pigs and do the work needed to find the best deal.

If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these techniques. Finding affordable coverage is easy if you know what you’re doing. Nevertheless, vehicle owners must understand how companies market insurance on the web and use this information to your advantage.

Don’t miss these nine discounts

Auto insurance companies do not list the complete list of policy discounts in a way that’s easy to find, so the list below gives a summary of some of the best known and the harder-to-find credits that you can use to lower your rates. If you are not receiving all the discounts you deserve, you’re paying more than you need to.

• Homeowners Pay Less – Owning a house can save you money due to the fact that maintaining a home demonstrates responsibility.
• Membership in Organizations – Being a member of a civic or occupational organization can get you a small discount when shopping for auto insurance.
• Senior Citizen Rates – Older drivers may be able to get a small discount on rates on FR-S coverage.
• Multi-policy Discount – When you have multiple policies with one company you could save as much as 10 to 15 percent.
• Smart Student Discounts – Maintaining excellent grades can earn a discount of 20% or more. The discount lasts up until you turn 25.
• Claim-Free Discount – Drivers who stay claim-free can save substantially when compared to accident-prone drivers.
• Discount for Passive Restraints – Vehicles with factory air bags can receive discounts as much as 30%.
• Low Mileage Discounts – Low annual miles can earn substantially lower prices.
• Student Driver Training – Teen drivers should successfully complete driver’s ed class in school.

Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like medical payments or collision. Even though the math looks like it’s possible to get free car insurance, that’s just not realistic.

Companies who might offer these money-saving discounts are:

• Travelers
• 21st Century
• State Farm
• Geico
• SAFECO
• AAA

Before you buy a policy, ask all the companies how you can save money. All car insurance discounts might not be available to policyholders in every state. To see providers with the best discounts, click here to view.

How to get affordable car insurance

There are multiple methods to compare car insurance prices and some are less time-consuming than others. You can spend your afternoon talking to agents in your area, or you could save time and use the web to quickly compare rates.

Most car insurance companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and each company returns a competitive quote based on the submitted data. This eliminates the need for repetitive form submissions for each company. To compare rates using this form now click to open in new window.

The only downside to using this type of form is you don’t know exactly which companies you will receive quotes from. So if you prefer to pick individual companies for rate comparison, we have assembled a list of companies who write car insurance in your area. View list of insurance companies.

You can use whichever method you prefer to find lower rates, just do your best to use the same coverage limits and deductibles on every quote you get. If you have higher or lower deductibles you will not be able to determine which rate is truly the best. Just slight variations in insurance coverages or limits can result in a big premium difference. Just remember that quoting more provides better odds of finding a better price. Some companies don’t provide prices over the internet, so it’s necessary to compare quotes from them, too.

Special considerations

When choosing the right insurance coverage for your vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions may help highlight if your situation may require specific advice.

• When can I cancel my policy?
• What if I don’t agree with a claim settlement offer?
• Am I covered if I wreck a rental car?
• Do I need higher collision deductibles?
• Is my 2014 Scion FR-S covered for smoke damage?
• What is the rate difference between pleasure use and commuting?
• What is the ISO rating for a 2014 Scion FR-S?
• Is my camper covered by my car insurance policy?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Car insurance coverage information

Knowing the specifics of your policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average car insurance policy.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, damage from a tornado or hurricane, hail damage and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability car insurance – Liability coverage can cover damage that occurs to a person or their property by causing an accident. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims like structural damage, pain and suffering, medical expenses and medical services. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Insurance for medical payments – Med pay and PIP coverage pay for expenses for rehabilitation expenses, chiropractic care, X-ray expenses, funeral costs and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your Scion FR-S.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision coverages – Collision insurance covers damage to your FR-S resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like rolling your car, crashing into a building, damaging your car on a curb, hitting a parking meter and backing into a parked car. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Do the work, save more money

We just showed you some good ideas how to reduce 2014 Scion FR-S insurance car insurance rates online. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Drivers may discover the best car insurance rates are with a lesser-known regional company. Some small companies can often insure niche markets at a lower cost compared to the large companies like Progressive and Geico.

Some companies may not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agencies. Cost effective 2014 Scion FR-S insurance can be bought on the web in addition to local insurance agencies, so you need to compare both in order to have the best chance of saving money.

Additional insurance coverage information is available on the following sites:

• Vehicle Insurance in the U.S. (Wikipedia)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Five Mistakes to Avoid (Insurance Information Insitute)