Save on 2008 Scion xD Insurance Quotes

Searching for better car insurance rates for your Scion xD? Having to pay for pricey car insurance can deplete your checking account and force you to cut corners elsewhere. Comparing rates annually can be a smart way to reduce premiums and put more money in your pocket.

Multiple insurers compete for your insurance dollar, and it can be difficult to compare rates to get the lowest cost out there.

If you have insurance now or are looking for a new policy, you can use this information to find the best rates and possibly find even better coverage. Finding the best rates is not rocket science. Drivers just need to know the proper methods to get comparison quotes over the internet.

Get lower rates with discounts

Insurance coverage is easily one of your largest bills, but discounts can save money and there are some available that many consumers don’t even know exist. Certain discounts will be triggered automatically when you complete an application, but some need to be inquired about before you will receive the discount.

  • Air Bags and Passive Restraints – Cars that have air bags could see savings of up to 25% or more.
  • 55 and Retired – Mature drivers can get lower premium rates for xD insurance.
  • Membership in Organizations – Affiliation with qualifying employment or professional organizations is a good way to get lower rates on your policy.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles are much safer to drive and earn discounts up to 10%.
  • Distant College Student Discount – Youth drivers who live away from home at college without a vehicle on campus can receive lower rates.
  • Switch and Save Discount – Some insurance coverage companies reward drivers for renewing your policy prior to the expiration date on your current policy. You may see this discount when you get auto insurance quotes online.
  • Government Employee Discount – Active or retired federal employment could qualify for a slight premium decrease for xD insurance but check with your company.

Drivers should understand that most of the big mark downs will not be given to the entire cost. A few only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, companies don’t profit that way. But all discounts will reduce your premiums.

Large insurance coverage companies and their offered discounts can be found below.

  • Farmers Insurance offers discounts for mature driver, multi-car, good student, early shopping, and distant student.
  • State Farm discounts include defensive driving training, Steer Clear safe driver discount, anti-theft, accident-free, and good student.
  • Liberty Mutual may include discounts for newly married, multi-car, safety features, hybrid vehicle, new move discount, multi-policy, and new vehicle discount.
  • MetLife offers premium reductions for accident-free, defensive driver, claim-free, good student, good driver, multi-policy
  • Progressive includes discounts for online quote discount, continuous coverage, multi-vehicle, multi-policy, homeowner, and online signing.

When quoting, ask every insurance company the best way to save money. Savings may not be offered in your area. If you would like to choose from a list of insurance companies with the best discounts, follow this link.

Cheapest insurance coverage rate quotes

Finding a better price on insurance coverage can be surprisingly simple. All you need to do is spend a few minutes to get quotes from online providers. Insurance prices can be quoted using a couple different methods.

  1. If you are pressed for time, the simplest way to get quotes for comparison is a comparison rater form like this one (opens in new window). This method eliminates the need for multiple quote forms for each company. Taking the time to complete one form gets you coverage quotes from all major companies.
  2. A slightly less efficient method to find more affordable insurance requires visiting the website of each company to request a price quote. For instance, let’s say you want to see prices from Progressive, GEICO and Allstate. In order to compare rates, you need to navigate to each company’s site and repeatedly type in your coverage information, which is why first method is reommended.

    For a handy list of car insurance company links in your area, click here.

  3. The hardest way to compare price quotes to different agent offices. The ability to buy insurance online has reduced the need for local agents unless you require the peace of mind of a local agency. However, consumers can obtain prices from the web and still use a local agent.

It’s up to you which method you use, but be sure to compare identical coverage limits for each price quote. If your comparisons have differing limits it will be very difficult to make an equal comparison.

What is the best insurance coverage?

When it comes to buying the right insurance coverage, there really is not a cookie cutter policy. Every insured’s situation is different so this has to be addressed. For instance, these questions might point out whether or not you might need an agent’s assistance.

  • Do I need added coverage for expensive stereo equipment?
  • Do I have newly-aquired coverage?
  • Am I insured when driving a different vehicle?
  • Is there coverage for injuries to my pets?
  • Are rental cars covered under my policy?
  • Is a blown tire covered by insurance?
  • Am I covered when pulling a rental trailer?
  • Do I need PIP coverage since I have good health insurance?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Insurance coverage specifics

Having a good grasp of your policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most insurance policies.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as rehabilitation expenses, prosthetic devices, ambulance fees and pain medications. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Coverage for liability

This will cover injuries or damage you cause to other people or property. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things like emergency aid, court costs and pain and suffering. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Collision insurance

This pays for damage to your xD resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as damaging your car on a curb, hitting a mailbox and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive auto coverage

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

Comprehensive coverage pays for things like hail damage, hitting a deer, damage from a tornado or hurricane, damage from flooding and fire damage. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your Scion xD.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Quote more. Save more.

As you prepare to switch companies, do not buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal is to buy the best coverage you can find at the best possible price while still protecting your assets.

In this article, we presented many ways to save on 2008 Scion xD insurance. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your car insurance rates. You may be surprised to find that the most savings is with a small mutual company. Regional companies may have significantly lower car insurance rates on certain market segments than their larger competitors like State Farm or Progressive.

More detailed insurance coverage information can be found by following these links: