2016 Scion FR-S Car Insurance Quotes – 8 Tips for Cheapest Rates

Want cheaper insurance coverage rates? Drivers have many options when trying to find the best price on Scion FR-S insurance. They can either waste time struggling with agents to compare prices or utilize the internet to find the lowest rates.

There are more efficient ways to buy insurance coverage and you need to know the best way to quote coverages for your Scion and obtain the best price possible from both online companies and local agents.

It’s a good idea to compare rates on a regular basis because insurance coverage rates change regularly. Just because you found the best rate for FR-S coverage on your last policy you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about insurance coverage on the web, but you can learn some proven techniques to reduce your insurance coverage bill.

If you have a policy now or are shopping for new coverage, you can use this information to find the best rates while maximizing coverage. The purpose of this post is to help educate you on how to effectively get price quotes and some tricks to saving. Vehicle owners just need to understand the proper way to shop on the web.

The quickest way to compare car insurance company rates is to take advantage of the fact most of the larger companies allow for online access to compare rate quotes. The only thing you need to do is provide the companies a bit of rating information including if your license is active, how much coverage you want, whether you have decent credit, and if the vehicle is leased. Your details is instantly provided to many of the top insurers and they return quotes immediately.

Don’t be fooled by advertising claims

Consumers can’t escape the ads for insurance savings by companies like State Farm, GEICO and Progressive. All the companies make an identical promise that drivers can save some big amount after switching to their company.

How does every insurance company lower your rates? This is the trick they use.

Insurance companies give the cheapest rates for the type of driver that makes them money. For example, this type of risk profile may need to be a married male, is a homeowner, and drives a safe vehicle. Anyone who fits that profile will get the preferred car insurance rates and as a result will probably save when they switch companies.

Potential insureds who don’t qualify for those standards may receive a higher premium which usually ends up with the customer not buying. The wording the ads use say “customers that switch” not “everyone who quotes” can get the lowest rates when switching. This is how insurance companies can lure you into getting a quote.

This illustrates why you really need to compare as many free insurance quotes as you can. It is impossible to guess which insurance companies will provide you with the cheapest premium rates.

Double check you’re getting these eight rate-reducing discounts

Companies offering auto insurance do not list all disounts in an easy-to-find place, so the following list contains some of the best known and the harder-to-find credits that you can use to lower your rates.

  • Government Employee Discount – Active or retired federal employment could cut as much as 10% off for FR-S coverage with certain companies.
  • Renewal Discounts – Some insurance companies reward drivers for switching policies before your current coverage expires. It can save you around 10%.
  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles are stolen with less frequency and will qualify for a discount on a insurance quote.
  • Auto/Life Discount – Companies who offer life insurance give a discount if you purchase life insurance.
  • E-sign Discounts</strong – A few larger companies will discount your bill up to fifty bucks for buying your policy online.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to buckle up may be able to save a few bucks off the PIP or medical payment premium.
  • New Car Discount – Adding a new car to your policy can save up to 30% because newer models keep occupants safer.
  • Service Members Pay Less – Having a deployed family member could trigger a small discount.

Please keep in mind that most discounts do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like comprehensive or collision. Even though it appears all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

If you would like to see a list of companies who offer auto insurance discounts, follow this link.

Do I need special coverages?

When buying proper insurance coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight if your insurance needs would benefit from an agent’s advice.

  • Does my 2016 Scion FR-S need full coverage?
  • Can I make deliveries for my home business?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I need to file an SR-22 for a DUI in my state?
  • Should I have a commercial auto policy?
  • If I drive on a suspended license am I covered?
  • Is extra glass coverage worth it?
  • Do I need roadside assistance coverage?
  • What are the financial responsibility laws in my state?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

Car insurance coverages for a 2016 Scion FR-S

Knowing the specifics of insurance can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for short-term medical expenses for nursing services, X-ray expenses and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability coverages

This coverage protects you from damage or injury you incur to people or other property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for things such as medical services, repair costs for stationary objects and attorney fees. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your Scion FR-S.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Most of the time these limits are set the same as your liablity limits.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix 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 can pay for claims such as hitting a deer, damage from flooding, a broken windshield and damage from getting keyed. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage

Collision coverage pays for damage to your FR-S caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as sustaining damage from a pot hole, colliding with another moving vehicle, scraping a guard rail and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also bump up the deductible to bring the cost down.

Buy Smart and Save

People switch companies for many reasons like delays in responding to claim requests, delays in paying claims, extreme rates for teen drivers and policy cancellation. It doesn’t matter what your reason, switching insurance coverage companies is actually quite simple.

Discount 2016 Scion FR-S insurance is available online and from local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance coverage companies may not provide the ability to get quotes online and usually these regional insurance providers prefer to sell through independent agents.

In this article, we presented a lot of techniques to shop for 2016 Scion FR-S insurance online. The most important thing to understand is the more companies you get prices for, the better your chances of lowering your prices. Consumers may even find the lowest premium rates are with some of the lesser-known companies.

Additional insurance coverage information can be found below:

Comments About 2016 Scion FR-S Insurance

  1. Russell Salazar

    I’m in Davenport, Iowa, and Allstate rates were affordable. Was with Hartford. I think they have home insurance too.

  2. Dotty Conway

    Well-written and thought out article. Lifelong resident of Buffalo, NY. Not sure of all the companies but I ended up saving about $30 each month.

  3. Petra Sanchez

    I found pretty cheap rate quotes for a 2016 Scion FR-S in Providence, RI. Ended up at about $240 every six months with AAA. Not sure if rates are cheaper online or not.

  4. Tony Velazquez

    Proud to be from Kailua, HI. Got car insurance prices from Hartford, AAA, Sentry, and a couple others for my FR-S and saved $533 a year. I’m a pretty good driver though. Just go online and compare their rates.

  5. Bradly Carney

    I live just to the north of Salt Lake City, UT. Quoted prices online for a 2016 Scion FR-S. Ended up at about $110 savings annually. Went with State Farm. It’s easy to compare rates online now.

  6. Ruthann Rodgers

    Affordable car insurance is a myth. Located in Henderson, Nevada. Got rates from GMAC, Auto-Owners, MetLife, and a couple others for my 2016 Scion FR-S and saved $349 a year. I get lower rates because of my clean driving record.

  7. Fe Wood

    I compared a lot of rate quotes for a 2016 Scion FR-S in Columbus, OH. Ended up at about $570 every six months with Auto-Owners. Insured with Safeco before.

  8. Wen Vance

    Cheap is not always the best policy. I’m in the east part of Rio Rancho, NM. Not sure of all the companies but I ended up saving about $30 each month. Switched homeowners coverage too.

  9. Michael Roth

    I live west of Portland, Oregon. Quoted prices online for a 2016 Scion FR-S. Ended up at about $190 savings annually. Went with 21st Century. Still almost need a second mortgage.

  10. Lazaro Dickerson

    I live in Concord, New Hampshire. Quoted with State Farm, Esurance, and Hanover for my FR-S and I’m now saving $29 a month. Got better coverage too.

  11. Aida Newton

    I live south of Nashua, NH, and Allstate rates were best. Was with GMAC. Teenage drivers are expensive!

  12. Ferdinand Owens

    Does New Jersey require liability coverage?

  13. Florrie Bush

    Lots of good stuff here. Live in the northern part of Detroit, Michigan. Got quotes from State Farm, Amica, and some I forget for my 2016 Scion FR-S and saved around $430 a year. Insured with Encompass before. Wish I didn’t have to insure at all.