2008 Scion xD Insurance Rates
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UPDATED: Feb 28, 2020
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Average insurance rates for a 2008 Scion xD are $994 a year for full coverage insurance. Comprehensive insurance costs around $144 each year, collision costs $214, and liability coverage costs around $478. Buying a liability-only policy costs as low as $526 a year, with high-risk insurance costing $2,150 or more. Teen drivers receive the highest rates at $4,062 a year or more.
Annual premium for full coverage: $994
Rate estimates for 2008 Scion xD Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2008 Scion xD models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from as low as $526 for basic liability insurance to a high rate of $2,150 for high-risk insurance.
These differences illustrate why all drivers should compare prices for a specific zip code and risk profile, rather than using price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2008 Scion xD Insurance
Locating cheaper insurance for a Scion xD can be a lot of work, but you can follow these tips to save time.
There is a right way and a wrong way to shop for car insurance so you’re going to learn the absolute fastest way to quote coverages for a Scion and obtain the lowest possible price.
The best way we recommend to compare rate quotes takes advantage of the fact all the major auto insurance companies participate in online systems to give you rate quotes. All you need to do is give the companies some data including if you have a valid license, the ages of drivers, if the car is leased, and level of coverage desired. Your insurance information is sent automatically to many different companies and they return rate quotes immediately.
Take advantage of discounts
Insurance can be prohibitively expensive, but there could be available discounts to reduce the price significantly. Certain discounts will be applied when you complete an application, but some must be asked for prior to getting the savings. If they aren’t giving you every credit you deserve, you are paying more than you should be.
- Anti-theft System – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
- Government Employees – Active or retired federal employment may qualify you for a discount on xD coverage depending on your company.
- Military Discounts – Having a deployed family member could mean lower rates.
- Homeowners Discount – Being a homeowner can help you save on insurance coverage because maintaining a house shows financial diligence.
- Passive Restraint Discount – Cars that have air bags or automatic seat belts can receive discounts of 20% or more.
- Multiple Vehicles – Buying coverage for multiple vehicles on one policy can get a discount on all vehicles.
- Good Student Discount – Performing well in school can save 20 to 25%. The discount lasts up until you turn 25.
Keep in mind that many deductions do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, you won’t be that lucky. Any qualifying discounts will bring down your premiums.
To see a list of companies who offer insurance coverage discounts, click this link.
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How to know if you need help
When it comes to buying adequate coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s.
For instance, these questions can help discover whether or not you could use an agent’s help.
- Are split liability limits better than a combined single limit?
- Am I covered if hit by an uninsured driver?
- How high should my medical payments coverage be?
- When should I drop full coverage on my 2008 Scion xD?
- Where can I find high-risk insurance?
- Do I need motorclub coverage?
- Do I have coverage when pulling a U-Haul trailer?
- I have health insurance so do I need medical payments coverage?
- What is high-risk coverage and where do I buy it?
If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.
Specifics of your insurance policy
Understanding the coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your 2008 Scion xD.
Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are similar to your liability insurance amounts.
Liability coverage – This coverage can cover injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property. Another option is a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.
Liability can pay for claims such as attorney fees, medical services and medical expenses. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.
Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for immediate expenses such as rehabilitation expenses, pain medications and ambulance fees. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. It covers you and your occupants and also covers getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage
Collision coverage – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims such as crashing into a ditch, damaging your car on a curb and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.
Comprehensive auto coverage – Comprehensive insurance coverage pays for 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 coverage protects against things like hitting a bird, a broken windshield, damage from getting keyed and hail damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
A fool and his money are soon parted
Budget-conscious 2008 Scion xD insurance is attainable online in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies do not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.
When trying to cut insurance costs, don’t be tempted to skimp on coverage in order to save money. There have been many cases where an accident victim reduced uninsured motorist or liability limits only to find out they didn’t have enough coverage. Your strategy should be to buy enough coverage at the best price while not skimping on critical coverages.
Throughout this article, we presented a lot of ways to lower your insurance rates. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from a company that doesn’t do a lot of advertising.
To read more, link through to the resources below:
- Understanding Rental Car Insurance (Insurance Information Insitute)
- Auto Insurance 101 (About.com)
- Bodily Injury Coverage (Liberty Mutual)
- Coverage Information (Progressive Insurance)
- Top Signs Your Brakes are Giving Out (State Farm)
Rates by U.S. City
|New York City, NY||$1,569|
|Los Angeles, CA||$1,698|
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$61|
|5-yr Claim Free||$63|
|Paid in Full/EFT||$36|
Discounts are estimated and may not be available from every company or in every state.