Car Insurance Quotes for a Scion xB in Scottsdale

To save the most money, the best way to find affordable Scion xB insurance in Scottsdale is to start doing an annual price comparison from providers that insure vehicles in Arizona. Price quotes can be compared by following these guidelines.

1. Try to learn a little about individual coverages and the things you can control to prevent expensive coverage. Many things that cause rate increases such as traffic violations and a substandard credit score can be improved by being financially responsible and driving safely.
2. Quote rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO or Allstate, while agents who are independent can provide prices from multiple insurance companies.
3. Compare the price quotes to the price on your current policy and determine if cheaper xB coverage is available. If you find a lower rate and buy the policy, make sure there is no coverage gap between policies.
4. Notify your current company to cancel the current policy. Submit a completed policy application and payment to your new insurance company. When you receive it, keep the new proof of insurance certificate along with the vehicle’s registration papers.

One bit of advice is to make sure you’re comparing the same amount of coverage on each quote and and to get price estimates from as many car insurance companies as possible. Doing this provides the most accurate price comparison and a good representation of prices.

Everyone knows that car insurance companies don’t want policyholders to shop around. Insureds who compare rates at least once a year will presumably move their business because there are good odds of finding a lower-priced policy. A recent study showed that consumers who compared rates annually saved on average $72 a month as compared to drivers who never shopped around for cheaper prices.

If finding budget-friendly rates on insurance is your ultimate objective, then knowing how to find companies and compare car insurance can help you succeed in finding affordable rates.

The following companies offer quotes in Arizona. If multiple companies are listed, it’s highly recommended you click on several of them to get a more complete price comparison.

Analysis of coverages

The coverage table displayed next showcases different insurance coverage prices for Scion xB models. Having knowledge of how car insurance premiums are calculated can assist in making informed coverage decisions.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Table data does not factor in specific zip code location which can modify premium rates significantly.

Rate comparison for different deductibles

When shopping for car insurance, a common question is how high should your deductibles be. The figures shown below approximate the premium difference between high and low insurance deductibles. The first price estimate table uses a $100 deductible and the second price grid uses a $1,000 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rates do not factor in vehicle location which can revise premiums noticeably.

Using the premium rates above, we can conclude that using a $100 deductible will cost you about $26 more each month or $312 annually averaged for all xB models than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have more than 35 months between claim filings, you would save more money by selecting a higher deductible.

The information below demonstrates how deductibles and can raise or lower Scion xB insurance rates for different ages of insureds. The prices are based on a married female driver, full physical damage coverage, and no discounts are applied.

Careless Scottsdale drivers pay higher rates

The diagram below highlights how speeding tickets and accident claims can increase Scion xB premium costs for different age groups. The prices are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.

Insurance premiums for males and females

The example below visualizes the comparison of Scion xB premium costs for male and female drivers. The premium estimates are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, single marital status, and no discounts are taken into consideration.

Does full coverage make sense?

The illustration below shows the comparison of Scion xB insurance costs with and without physical damage coverage. The rate quotes are based on a clean driving record, no at-fault accidents, $1,000 deductibles, single status, and no policy discounts are applied.

When to stop buying full coverage

There is no definitive guideline of when to phase out physical damage insurance, but there is a guideline you can consider. If the yearly cost of full coverage is more than about 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your Scion xB replacement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $6,000 after you pay the deductible. If you are paying more than $600 annually for comprehensive and collision coverage, then it could be time to drop full coverage.

There are some scenarios where dropping full coverage is not recommended. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Why you need vehicle insurance in Arizona

Despite the high cost of buying insurance for a Scion xB in Scottsdale, insurance may be required for several reasons.

• Just about all states have compulsory liability insurance requirements which means state laws require a specific level of liability if you want to drive legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If your Scion xB has a lienholder, more than likely the lender will require that you have insurance to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the lender will be forced to insure your Scion at an extremely high rate and force you to pay for the much more expensive policy.
• Insurance safeguards not only your Scion xB but also your financial assets. It will also pay for medical bills for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.

The benefits of insuring your xB are definitely more than the cost, especially when you need to use it. On average, a vehicle owner in Scottsdale overpays more than $825 a year so we recommend shopping around each time the policy renews to make sure the price is not too high.

Car insurance coverages 101

Understanding the coverages of your policy helps when choosing the best coverages for your vehicles. Car insurance terms can be difficult to understand and reading a policy is terribly boring.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses like ambulance fees, hospital visits and X-ray expenses. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision protection

This will pay to fix damage to your xB caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as scraping a guard rail, backing into a parked car and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible on your xB to save money on collision insurance.

Liability car insurance

This can cover damage or injury you incur to other people or property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 15/30/10 that translate to $15,000 in coverage for each person’s injuries, a limit of $30,000 in injury protection per accident, and a limit of $10,000 paid for damaged property.

Liability coverage protects against things like repair bills for other people’s vehicles, bail bonds and legal defense fees. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible. Arizona requires drivers to carry at least 15/30/10 but you should consider buying more coverage.

The next chart demonstrates why buying minimum limits may not provide you with enough coverage.

Comprehensive protection

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as falling objects, damage from flooding, theft and hitting a deer. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required (Arizona limits are 15/30/10), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

In Summary

Consumers leave their current company for a number of reasons such as not issuing a premium refund, policy cancellation, delays in paying claims or even lack of trust in their agent. Regardless of your reason for switching companies, choosing a new insurance company can be less work than you think.

We just presented many ideas to lower your Scion xB insurance premium rates in Scottsdale. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may even discover the lowest priced insurance comes from a small local company.

When shopping online for insurance, do not sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice physical damage coverage and discovered at claim time that the savings was not a smart move. Your strategy should be to get the best coverage possible at an affordable rate, but do not sacrifice coverage to save money.

More detailed insurance information can be found in the articles below:

• What are my Rights when Filing a Claim? (Insurance Information Institute)
• Who Has the Cheapest Auto Insurance for Handicapped Drivers in Scottsdale? (FAQ)
• What Car Insurance is Cheapest for a Toyota Camry in Scottsdale? (FAQ)
• Who Has Cheap Car Insurance for Teenage Females in Scottsdale? (FAQ)
• Who Has the Cheapest Scottsdale Auto Insurance for a Learners Permit? (FAQ)
• Safety Tips for Teen Drivers (Insurance Information Institute)
• Electronic Stability Control FAQ (iihs.org)