Are Your Scion tC Car Insurance Rates Draining Your Savings?

Searching for low-cost insurance for a new or used Scion tC can turn out to be a lot of work, but you can learn these tips to find lower rates. There are both good and bad ways to shop for car insurance so we’re going to tell you the absolute fastest way to compare rates for a Scion and locate the best price possible either online or from local insurance agents.

Finding the best rates is quite easy. If you have a current car insurance policy or need new coverage, you will benefit by learning to find the best rates while maximizing coverage. Drivers only need an understanding of the tricks to compare prices online.

Scion tC rates influenced by many factors

An important part of buying insurance is that you know the factors that go into determining car insurance rates. Having a good understanding of what impacts premium levels helps enable you to make changes that could result in big savings.

  • Sex matters – Statistics have proven women are more cautious behind the wheel. However, this does not mean men are worse drivers. Men and women have accidents in similar percentages, but the male of the species have costlier accidents. Men also tend to have more aggressive citations such as reckless driving. Male drivers age 16 to 19 are the most expensive to insure and thus pay the highest rates.
  • Lower rates with optional equipment – Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
  • Tickets mean higher rates – Careful drivers receive lower rates than bad drivers. Only having one citation can boost insurance rates twenty percent or more. Drivers who get serious violations such as reckless driving, hit and run or driving under the influence may be required to file a SR-22 to the state department of motor vehicles in order to continue driving.
  • Where you live can impact rates – Residing in small towns and rural areas can be a good thing when insuring your vehicles. Drivers who live in large cities have much more traffic and longer commute times. Fewer people means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Do you qualify for a multi-policy discount? – Many companies provide better rates to people who buy several policies from them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s still a good idea to compare other company rates to make sure you are getting the best deal. You may still find better rates by buying insurance from more than one company.
  • Your credit rating is important – Having a bad credit rating is a big factor in determining what you pay for car insurance. Consumers who have excellent credit tend to be less risk to insure than drivers with lower credit scores. If your credit history can use some improvement, you could pay less to insure your Scion tC by spending a little time repairing your credit.
  • You might want pay the small claims yourself – If you file claims often, you can definitely plan on higher rates. Companies award cheaper rates to people who are claim-free. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
  • Allowing your policy to lapse raises rates – Not having insurance is illegal and as a result your rates will increase for letting your coverage lapse. And not only will insurance be more expensive, but not being able to provide proof of insurance will get you a steep fine or even jail time.You may then be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.

Compare Car Insurance Costs

All major car insurance companies like Progressive, Allstate and GEICO give coverage prices on their websites. The process is pretty easy as you just type in the coverage amounts you desire into the quote form. When complete, their system will obtain information on your driving record and credit history and provides a quote determined by many factors.

This streamlines rate comparisons, but having to visit multiple sites and enter the same data into a form can be a bit tiresome and repetitive. But it’s very important to have as many quotes as possible if you want to find the best price on car insurance.

Compare rates the easy way

A less time-consuming method to find lower prices utilizes a single form that gets price quotes from several companies at one time. This type of form saves time, eliminates form submissions, and makes rate comparisons much easier. Immediately after submitting the form, it gets priced and you can select your choice of the quotes that you receive. If a lower price is quoted, you can simply submit the application and buy the new coverage. The whole process takes just a few minutes to complete and may result in a nice savings. auto insurance

To get comparison pricing now, click here and begin entering your coverage information. If you have a policy now, it’s recommended you duplicate coverages and limits identical to your current policy. Doing this guarantees you will be getting a price comparison based on similar coverages.

Is there deception in advertising?

Drivers can’t get away from ads for cheaper car insurance from companies such as Progressive, Allstate and GEICO. All the companies make an identical promise that you’ll save big if you move your policy.

How do they all say the same thing? This is how they do it.

All companies are able to cherry pick for the type of customer they prefer to insure. For instance, a driver they prefer might be a mature driver, a clean driving record, and drives newer vehicles. A customer getting a price quote who fits that profile will qualify for the lowest rates and most likely will save quite a bit of money when switching.

Potential insureds who are not a match for the requirements must pay a more expensive rate and this can result in business not being written. The ads say “customers that switch” but not “drivers who get quotes” save that kind of money. That’s why companies can truthfully advertise the savings. This illustrates why drivers must get a wide range of price quotes. It’s not possible to predict the company that will give you the biggest savings.

Cut your car insurance rates with discounts

Auto insurance companies don’t necessarily list every discount very clearly, so here is a list both well-publicized and the more hidden car insurance savings. If you’re not getting every credit available, you’re just leaving money on the table.

  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • Multiple Vehicles – Buying coverage for multiple vehicles with the same company may reduce the rate for each vehicle.
  • Bundle and Save – When you combine your home and auto insurance with one company you will save up to 20% off your total premium.
  • Payment Method – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • College Student – Kids in college who are attending college and don’t have a car can be insured at a reduced rate.
  • Discount for Good Grades – This discount can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • Service Members Pay Less – Being on active duty in the military can result in better rates.
  • Homeowners Pay Less – Simply owning a home may trigger a car insurance policy discount because owning a home is proof that your finances are in order.
  • Safety Course Discount – Taking part in a driver safety course could cut 5% off your bill depending on where you live.

A little note about advertised discounts, most discount credits are not given to the entire cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like adding up those discounts means a free policy, companies don’t profit that way.

cheap insurance for tC

To choose companies offering car insurance discounts, click here to view.

Smart consumers save more

Budget-conscious Scion tC insurance is available from both online companies as well as from independent agents, so compare prices from both in order to have the best price selection to choose from. Some insurance companies don’t offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

As you prepare to switch companies, it’s very important that you do not buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced uninsured motorist or liability limits and learned later that their decision to reduce coverage ended up costing them more. The aim is to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

In this article, we covered many ideas to lower your Scion tC insurance rates. The key concept to understand is the more you quote, the better chance you’ll have of finding lower rates. You may be surprised to find that the best prices are with a smaller regional carrier.