2016 Scion iA Insurance Quotes

Searching for low-cost insurance for a Scion iA can turn out to be difficult, but you can use the following methods to make it easier. There is a better way to shop for insurance coverage so we’re going to tell you the absolute fastest way to compare rates on a Scion and obtain the lowest possible price from local insurance agents and online providers.

Ways to get auto insurance rate quotes

Getting cheap 2016 Scion iA auto insurance pricing can be quick and easy. You just need to invest a little time comparing rates from different insurance companies. Rate comparisons can be done in just a few minutes using one of these methods.

1. The easiest and least time consuming way to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This form prevents you from having to do separate forms for every auto insurance company. A single, simple form gets coverage cost estimates from auto insurance companies with the best prices.It’s the quickest way to get rates.
2. Another way to compare rate quotes is to take the time to go to the website of each company to complete a price quote. For examples sake, we’ll assume you want to compare prices for Allstate, Farmers and American Family. You would need to navigate to each company’s site and repeatedly type in your coverage information, which can take a lot of time.

   For a list of links to companies insuring cars in your area, click here.

The approach you take is up to you, just do your best to enter apples-to-apples coverage information on every quote you get. If each company quotes mixed coverages it’s not possible to determine the best price for your Scion iA.

These discounts can lower your car insurance quotes

Companies don’t necessarily list every available discount in a way that’s easy to find, so we took the time to find both well-publicized as well as some of the hidden car insurance savings. If you’re not getting every credit available, you could be saving more on your car insurance.

• Active Military Service – Being deployed with a military unit could be rewarded with lower rates.
• Onboard Data Collection – Insureds that choose to allow driving data submission to spy on driving patterns through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if they have good driving habits.
• Online Discount – Some of the larger companies will give a small break for buying a policy and signing up on your computer.
• Safety Course Discount – Participating in a course that instructs on driving safety could cut 5% off your bill and easily recoup the cost of the course.
• Mature Driver Discount – Seniors may qualify for a slight reduction on a insurance coverage quote for iA coverage.
• Theft Deterent Discount – Cars and trucks optioned with advanced anti-theft systems help deter theft and qualify for as much as a 10% discount.
• Multi-line Discount – Larger companies have lower car insurancerates if you buy some life insurance in addition to your auto policy.
• ABS Braking Discount – Cars and trucks with anti-lock braking systems prevent accidents so companies give up to a 10% discount.
• Student in College – Any of your kids who live away from home at college and do not have access to a covered vehicle could qualify for this discount.
• Waiver for an Accident – Not a discount per se, but a handful of insurance companies may permit one accident before raising your premiums so long as you are claim-free for a set time period.

Please keep in mind that most credits do not apply to all coverage premiums. Most cut specific coverage prices like comp or med pay. Even though the math looks like having all the discounts means you get insurance for free, car insurance companies aren’t that generous.

A list of car insurance companies and some of the discounts are outlined below.

• AAA offers premium reductions for good driver, good student, multi-car, multi-policy, pay-in-full, and AAA membership discount.
• Progressive has savings for online signing, multi-vehicle, good student, homeowner, continuous coverage, online quote discount, and multi-policy.
• State Farm has discounts for good driver, Drive Safe & Save, Steer Clear safe driver discount, accident-free, and safe vehicle.
• Esurance may include discounts for good student, safety device, paid-in-full, online shopper, DriveSense, and anti-lock brakes.
• Nationwide may offer discounts for defensive driving, good student, multi-policy, Farm Bureau membership, anti-theft, and family plan.

If you need lower rates, check with every insurance company which discounts you may be entitled to. Savings may not apply in every state. To see a list of companies with discount rates, click here to view.

Different people need different insurance coverage coverages

When it comes to buying the best insurance coverage coverage for your vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions might help in determining if you might need an agent’s assistance.

• Does car insurance cover theft of personal property?
• How high should my medical payments coverage be?
• Can I still get insurance after a DUI?
• Do I really need UM/UIM coverage?
• Do I have any recourse if my insurance company denies a claim?
• How do I file an SR-22 for a DUI in my state?

If you can’t answer these questions, you may need to chat with an agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Scion iA insurance premium factors

Lots of things are part of the equation when you get a price on insurance. Some factors are common sense such as your driving history, but some are more obscure like your continuous coverage or how safe your car is.

• More people means more accidents – Having an address in less populated areas of the country can save you money when buying insurance coverage. Fewer drivers corresponds to lower accident rates in addition to fewer liability claims. Residents of big cities regularly have more aggressive driving styles and longer commutes to work. Longer commute distances means more chance of being in an accident.
• Remove unneeded add-on coverages – There are a lot of add-on coverages that can waste your money if you aren’t diligent. Add-on coverages like rental car reimbursement, high-cost glass coverage, and term life insurance may be wasting your money. They may seem good initially, but if you don’t need them consider taking them off your policy.
• Use credit responsibly and save – Your credit score can be an important factor in determining premium rates. Drivers with high credit ratings tend to file fewer claims than drivers who have bad credit. If your credit score could use some work, you could save money insuring your 2016 Scion iA by repairing your credit.
• Obey driving laws and save – Your driving citation history can have a huge impact on auto insurance premiums. Having a single speeding ticket or other violation may cause rates to rise by as much as twenty percent. Drivers who don’t get tickets pay lower auto insurance prices as compared to those with violations. Drivers who get license-revoking violations like reckless driving, hit and run or driving under the influence may need to complete a SR-22 with their state’s department of motor vehicles in order to prevent a license revocation.
• Never let your policy expire – Letting your insurance expire will be a guaranteed way to trigger a rate increase. And not only will your rates increase, getting caught without coverage may earn you fines and jail time.
• Bundle and save – The majority of insurance companies provide lower prices for people who carry more than one policy in the form of a multi-policy discount. Discounts can amount to as much as ten percent or more Even though this discount sounds good, you may still want to get quotes from other companies to help ensure you have the lowest rates.
• Single drivers take more risk – Having a significant other can get you a discount on your insurance coverage bill. It may mean you are more responsible and it’s proven that drivers who are married file infrequent claims.

Smaller companies may have the best rates

Consumers constantly see and hear ads that promise big savings for switching from the likes of Geico, State Farm and Progressive. They all seem to try to convey promises that you can save if you switch to them.

How does each company make the same claim? Just pay attention to how they say it.

Different companies are able to cherry pick for the type of driver they prefer to insure. One example of this type of driver may be between the ages of 30 and 50, has no tickets, and drives less than 10,000 miles a year. Any person that matches those criteria will get the preferred rates and will most likely save money with a new company.

Insureds who do not fit those standards will see a higher rate which translates to the customer not purchasing. The ad wording is “people that switch” not “all people who quote” save the amount stated. That’s why insurance companies can confidently claim big savings. Because of this risk profiling, drivers should do a quote comparison often. It’s impossible to know the company that will give you lower rates than your current company.

Auto insurance coverages

Understanding the coverages of a car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for chiropractic care, nursing services, hospital visits and prosthetic devices. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision – Collision coverage pays for damage to your iA from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like hitting a mailbox, sideswiping another vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your Scion iA.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive auto coverage – Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, damage from flooding, rock chips in glass, fire damage and hitting a bird. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability – Liability insurance protects you from damage that occurs to people or other property in an accident. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 that translate to 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 insurance covers things such as loss of income, court costs, attorney fees and funeral expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Take this to the bank

People switch companies for any number of reasons including delays in responding to claim requests, policy cancellation, unfair underwriting practices and not issuing a premium refund. Regardless of your reason for switching companies, choosing a new company is pretty simple and you could end up saving a buck or two.

Lower-priced car insurance can be found on the web and also from your neighborhood agents, and you should be comparing both in order to have the best chance of saving money. A few companies do not offer online quoting and many times these small, regional companies only sell coverage through independent agents.

As you restructure your insurance plan, it’s not a good idea to buy less coverage just to save a little money. In many instances, consumers will sacrifice liability limits or collision coverage only to discover later that it was a big error on their part. The proper strategy is to purchase plenty of coverage for the lowest cost while not skimping on critical coverages.

Additional information

• How to Avoid Common Accidents (State Farm)
• Teen Driver Licensing Information (iihs.org)
• Auto Insurance FAQ (Farmers Insurance)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)