2013 Scion iQ Insurance Rates
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UPDATED: Nov 23, 2017
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Are you overwhelmed by the dozens of insurance choices? Many other drivers are as well. Drivers have so many choices that it can easily become more work than you anticipated to find the perfect company for you.
The easiest way to compare insurance rates in your area is to understand auto insurance companies have advanced systems to provide you with a free rate quote. All you need to do is take a few minutes to give details like whether your vehicle is owned or leased, how much school you completed, how much coverage you want, and whether the vehicles are used for commuting. Your insurance information is then sent to multiple different insurance companies and you should receive rate quotes very quickly.
Which insurance is the “right” coverage?
When buying proper insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.
For instance, these questions could help you determine whether you might need professional guidance.
- What is roadside assistance coverage?
- What can I do if my company won’t pay a claim?
- How can I get my company to pay me more for my totalled car?
- Does my 2013 Scion iQ need full coverage?
- When can I cancel my policy?
- Does my medical payments coverage pay my health insurance deductible?
- Can I rent a car in Mexico?
- Am I covered when driving someone else’s vehicle?
If you’re not sure about those questions then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form.
Auto insurance 101
Understanding the coverages of a car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.
Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for chiropractic care, X-ray expenses, hospital visits and EMT expenses. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible
Collision – This coverage will pay to fix damage to your iQ from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for things such as backing into a parked car, colliding with a tree, crashing into a ditch, rolling your car and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.
Comprehensive protection – This coverage pays to fix your vehicle from 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 insurance covers things such as damage from a tornado or hurricane, theft, a tree branch falling on your vehicle, damage from flooding and fire damage. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Auto liability insurance – Liability insurance will cover damage or injury you incur to a person or their property. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.
Liability coverage protects against claims like repair bills for other people’s vehicles, structural damage and medical expenses. How much coverage you buy is your choice, but you should buy as much as you can afford.
Uninsured or underinsured coverage – This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Scion iQ.
Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.
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