Save Money on Scion xB Insurance in San Antonio

Finding the cheapest insurance for a Scion xB in Texas can normally be difficult, but you can follow the following methods to save time. There is a right way and a wrong way to shop for insurance and we’ll show you the quickest way to price shop coverage on a Scion and get the lowest price.

Buying the cheapest car insurance in San Antonio is quite easy. If you’re already insured or need new coverage, you can follow these tips to find better prices without having to cut coverage. You only need to know the quickest method to compare insurance rates from multiple carriers.

The companies shown below offer free quotes in Texas. If multiple companies are shown, we recommend you click on several of them in order to find the most affordable rates.

Rates and statistics

The coverage information below covers a range of coverage prices for Scion xB models. Understanding more about how insurance quotes are formulated is important for making smart choices when comparing insurance rates.

Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Information does not factor in garaging location in San Antonio which can modify rates greatly.

Auto insurance deductibles

One common question asked by San Antonio drivers is which deductibles should you choose. The comparison tables below illustrate the differences in premium rates when you select higher and lower comp and collision deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Table data does not factor in specific location information which can raise or lower premium rates noticeably.

Based on this data, using a $100 deductible costs an average of $22 more each month or $264 a year across all Scion xB models than quoting the higher $500 deductible. Since the policyholder would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you have more than 18 months between claim filings, you would probably be better off if you choose the higher deductible.

The example below shows how choosing a deductible and can raise or lower Scion xB premium costs for different age groups. The price estimates are based on a single male driver, full coverage, and no discounts are taken into consideration.

Choosing Scion vehicle insurance is an important decision

Despite the high insurance cost for a Scion xB in San Antonio, maintaining insurance may be mandatory for several reasons.

First, just about all states have minimum mandated liability insurance limits which means you are required to carry a minimum amount of liability if you want to drive legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you took out a loan on your vehicle, it’s most likely the lender will force you to have physical damage coverage to guarantee loan repayment. If the policy lapses, the bank may buy a policy for your Scion for a lot more money and force you to pay for the much more expensive policy.

Third, insurance protects both your assets and your Scion xB. It will also cover most medical and hospital costs for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If you have damage to your Scion as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.

The benefits of carrying enough insurance greatly outweigh the cost, particularly when you have a large claim. The average driver in America is overpaying over $810 a year so compare rates once a year at a minimum to save money.

Affordable rates on Scion xB insurance in San Antonio with these ten discounts

Auto insurance companies do not list all available discounts in an easy-to-find place, so we took the time to find a few of the more common and the more hidden credits that you can use to lower your rates.

• Accident Forgiveness Coverage – This one isn’t a discount, but companies like Liberty Mutual, GEICO and Allstate may permit one accident without getting socked with a rate hike if you are claim-free for a particular time prior to the accident.
• Discount for Home Ownership – Owning a home in San Antonio may trigger a policy discount on insurance because of the fact that having a home means you have a higher level of financial diligence.
• No Claims – Insureds with no claims or accidents get the best insurance rates compared to drivers with a long claim history.
• Telematics Data – Drivers who elect to allow their insurance company to look at when and where they use their vehicle remotely such as State Farm’s In-Drive might see lower rates as long as the data is positive.
• Seat Belts Save – Drivers who require all vehicle occupants to use a seat belt can save 10% or more on medical payment and PIP coverage.
• Good Students Pay Less – Excelling in school can earn a discount of 20% or more. Many companies even apply the discount to college students well after school through age 25.
• Resident Student – Older children who attend college more than 100 miles from San Antonio and do not take a car to college could get you a discount.
• Discount for Life Insurance – Not all companies offer life insurance, but some may give you a small discount if you purchase some life insurance in addition to your auto policy.
• Federal Employees – Federal government employees can earn a discount up to 10% with a few insurance companies.
• Professional Memberships – Participating in qualifying clubs or civic groups is a simple method to lower premiums on your next renewal.

We need to note that most of the big mark downs will not be given to your bottom line cost. Most only cut specific coverage prices like comp or med pay. Even though it appears you can get free auto insurance, it doesn’t quite work that way.

The chart below illustrates the comparison of Scion xB auto insurance costs with and without discounts applied to the policy rates. The premiums are based on a male driver, no accidents or driving violations, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, claim-free, safe-driver, marriage, and multi-car discounts applied.

Large insurance companies and some of the premium reductions they offer can be read below.

• State Farm offers premium reductions for student away at school, anti-theft, accident-free, Steer Clear safe driver discount, good driver, multiple policy, and multiple autos.
• Liberty Mutual may offer discounts for hybrid vehicle, multi-car, safety features, new graduate, exclusive group savings, teen driver discount, and new vehicle discount.
• American Family may have discounts that include good student, Steer into Savings, mySafetyValet, multi-vehicle, and good driver.
• Progressive discounts include online signing, multi-vehicle, continuous coverage, online quote discount, multi-policy, and homeowner.
• Farmers Insurance may include discounts for good student, mature driver, bundle discounts, business and professional, switch companies, distant student, and electronic funds transfer.
• Auto-Owners Insurance includes discounts for multi-policy, good student, mature driver, teen driver, and anti-lock brakes.
• SAFECO offers discounts for anti-theft, homeowner, bundle discounts, multi-car, and teen safe driver.

Double check with all the companies to give you their best rates. Some of the discounts discussed earlier might not be available to policyholders in every state.

Do I need an insurance agency?

A small number of people just want to get professional advice from a licensed agent and that can be a smart move Good agents can help you choose the best coverages and will help you if you have claims. An additional benefit of comparing insurance prices online is that drivers can save money and get the best rates and still have a local agent.

For easy comparison, once you complete this short form, your insurance coverage information gets sent to insurance agents in San Antonio who want to provide quotes for your insurance coverage. It’s much easier because you don’t need to search for any insurance agencies since rate quotes are delivered immediately to you. If for some reason you want to compare rates from a specific company, don’t hesitate to find their quoting web page to submit a rate quote request.

Finding the right insurer should include more criteria than just a cheap price. These are some valid questions you should ask.

• Is insurance their full-time profession?
• Where would your vehicle be repaired?
• How is replacement cost determined on your vehicle?
• Does the agency provide any after hours assistance?
• Will they take your side in the event of a claim?
• How much can you save by raising your physical damage deductibles?

Upon receiving good answers to any questions you have as well as a affordable price, you have narrowed it down to an insurer that is a good match to provide car insurance coverage. But remember, policyholders can cancel coverage whenever you wish so never feel that you are permanently stuck with a specific agent for the full term.

How to know if you need help

Always remember that when buying a policy, there isn’t really a perfect coverage plan. Every situation is different so your insurance needs to address that.
For instance, these questions might point out whether you may require specific advice.

• What does roadside assistance cover?
• Are there any extra discounts I can get?
• Can I cancel at any time?
• Is my state a no-fault state?
• Am I covered if I drive in a foreign country?
• Exactly who is provided coverage by my policy?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Specific coverages for a Scion xB

Having a good grasp of your policy can be of help when determining the right coverages and proper limits and deductibles. Car insurance terms can be confusing and reading a policy is terribly boring. These are the normal coverages found on most car insurance policies.

Liability – This coverage can cover injuries or damage you cause to people or other property by causing an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 30/60/25 which stand for $30,000 bodily injury coverage, $60,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as repair bills for other people’s vehicles, funeral expenses, emergency aid, court costs and loss of income. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford. Texas requires drivers to carry at least 30/60/25 but it’s recommended drivers buy higher limits.

The next chart demonstrates why minimum state limits may not be enough coverage.

Collision – This covers damage to your xB resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as colliding with another moving vehicle, hitting a parking meter, hitting a mailbox, rolling your car and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also bump up the deductible on your xB to get cheaper collision coverage.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for chiropractic care, EMT expenses and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your Scion xB.

Because many people only purchase the least amount of liability that is required (Texas limits are 30/60/25), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive car insurance – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, a tree branch falling on your vehicle and a broken windshield. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Find affordable rates by being thorough

Discount Scion xB insurance in San Antonio is attainable online and with local San Antonio insurance agents, so you need to quote San Antonio auto insurance with both to have the best chance of lowering rates. Some companies may not offer online price quotes and these regional insurance providers only sell through local independent agencies.

While you’re price shopping online, don’t be tempted to sacrifice coverage to reduce premiums. There are many occasions where someone dropped collision coverage and discovered at claim time that the savings was not a smart move. Your strategy should be to find the BEST coverage for the lowest cost, but don’t skip important coverages to save money.

More information is available at the links below

• Understanding your Policy (NAIC.org)
• How Much are Car Insurance Quotes for Business Use in San Antonio? (FAQ)
• What Car Insurance is Cheapest for Used Cars in San Antonio? (FAQ)
• How Much is San Antonio Auto Insurance After a Speeding Ticket? (FAQ)
• Who Has Cheap Auto Insurance Quotes for Low Mileage Drivers in San Antonio? (FAQ)
• What Insurance is Cheapest for 18 Year Olds in San Antonio? (FAQ)
• How Much are Auto Insurance Rates for Real Estate Agents in San Antonio? (FAQ)
• Credit and Insurance Scores (Insurance Information Institute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)