Cheapest 2014 Scion FR-S Insurance Rates in 2023
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UPDATED: Jun 5, 2023
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Tired of trying to scrape together enough money to insure your Scion every month? Your situation is no different than millions of other consumers. Big-name insurance companies like Allstate and Progressive all promote huge savings with TV and radio ads and it is challenging if not impossible to ignore the propoganda and effectively compare rates to find the best deal.
Lower rates by qualifying for discounts
The price of auto insurance can be rather high, but there could be available discounts that you may not even be aware of. Some discounts apply automatically at quote time, but some must be requested specifically prior to getting the savings. If you don’t get every credit available, you’re just leaving money on the table.
- Homeowners Pay Less – Owning a house may trigger a auto insurance policy discount because owning a home is proof that your finances are in order.
- Service Members Pay Less – Being deployed with a military unit can result in better rates.
- Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
- Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
- Multiple Cars – Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.
- Low Mileage – Driving fewer miles could be rewarded with a substantially lower rate.
- Accident Waiver – A handful of insurance companies permit an accident without raising rates if your claims history is clear for a set time period.
- New Car Discount – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
- Good Students Pay Less – Getting good grades can save 20 to 25%. Earning this discount can benefit you up to age 25.
A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. The majority will only reduce specific coverage prices like comprehensive or collision. Just because you may think all those discounts means the company will pay you, it just doesn’t work that way. But any discount will bring down your overall premium however.
A partial list of companies who might offer these discounts are:
- Farmers Insurance
- State Farm
- Liberty Mutual
Check with every prospective company which discounts they offer. Savings might not be offered in every state.
Why you might be paying too much to insure your Scion FR-S
An important part of buying insurance is that you know some of the elements that come into play when calculating your insurance coverage rates. Understanding what determines base rates enables informed choices that may reward you with better insurance coverage rates.
The list below includes some of the items insurance coverage companies consider when setting rates.
- With age comes lower rates – More mature drivers tend to be more responsible, statistically cause fewer accidents and get fewer tickets. Teenage drivers tend to be careless and easily distracted when driving and because of this, their insurance coverage rates are much higher.
- Rate your vehicle for proper use – The more you drive each year the higher your rates will be. Almost all companies charge to insure your cars based upon how you use the vehicle. Autos used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. Having the wrong rating on your FR-S may be wasting your money. Double check that your insurance coverage policy shows the correct driver usage, because it can save money.
- Higher safety ratings means cheaper insurance – Vehicles with high crash test scores can get you lower premiums. The safest vehicles result in less severe injuries and fewer injuries means lower claim amounts and lower rates for you. If your Scion scored better than four stars on Safercar.gov it is probably cheaper to insure.
- An active claims history can cost you – If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Insurance companies give discounts to insureds who do not rely on their insurance for small claims. Car insurance is intended for major claims that would cause financial hardship.
- Theft deterrents lower rates – Driving a car with a theft deterrent system can get you a discount on your insurance coverage. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder car theft.
- Adjust deductibles and save – Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your Scion. Some instances where coverage would apply would be colliding with a building, damage caused by hail, and burglary. Physical damage deductibles are how much you are required to spend before a claim is paid by your company. The more expense you are required to pay out-of-pocket, the lower your rates will be for FR-S coverage.
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Car insurance is unique, just like you
When it comes to buying coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions could help you determine whether you will benefit from professional help.
- Should I buy additional glass protection?
- Does coverage extend to a rental car in a foreign country?
- Is my cargo covered for damage or theft?
- Do I have newly-aquired coverage?
- What can I do if my company won’t pay a claim?
- Should I buy full coverage?
- Is my nanny covered when driving my vehicle?
- What if I owe more than I can insure my car for?
- Does medical payments coverage apply to all occupants?
- Can my teen driver be rated on a liability-only vehicle?
If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can help protect your family.
Drivers get pounded daily by advertisements for cheaper car insurance from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise that you can save if you move your policy.
How do they all say the same thing? This is how they do it.
Different companies have a preferred profile for the right customer they prefer to insure. For instance, a desirable insured might be profiled as over the age of 40, has no tickets, and drives newer vehicles. A propective insured who fits that profile will get the preferred rates and most likely will save when they switch companies.
Drivers who don’t measure up to the “perfect” profile will have to pay more money which usually ends up with business going elsewhere. The ad wording is “drivers who switch” but not “drivers who get quotes” save that much. That’s the way insurance companies can confidently advertise the way they do.
Because of the profiling, you need to get as many comparisons as possible. Because you never know which insurance companies will provide you with the cheapest Scion FR-S insurance rates.
Insurance coverage considerations
Understanding the coverages of a insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average insurance policy.
This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers things like rock chips in glass, damage from flooding and hail damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
This can cover damage or injury you incur to other people or property in an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.
Liability can pay for claims like repair bills for other people’s vehicles, repair costs for stationary objects and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.
Uninsured and underinsured coverage
This coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Scion FR-S.
Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these limits do not exceed the liability coverage limits.
Coverage for collisions
Collision insurance pays for damage to your FR-S resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like damaging your car on a curb, backing into a parked car and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.
Coverage for medical payments
Med pay and PIP coverage provide coverage for short-term medical expenses for things like funeral costs, doctor visits, EMT expenses, prosthetic devices and ambulance fees. They are utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage
Be a penny pincher
As you shop your coverage around, it’s very important that you do not reduce needed coverages to save money. There are many occasions where someone sacrificed physical damage coverage and learned later that it was a big error on their part. Your focus should be to buy a smart amount of coverage at a price you can afford while still protecting your assets.
Budget-conscious 2014 Scion FR-S insurance is available online and also from your neighborhood agents, and you need to price shop both to have the best selection. A few companies may not provide online quoting and most of the time these small insurance companies sell through independent agents.
Even more information is located in the articles below:
- Safety Features for Your New Car (State Farm)
- Your Car has been Stolen: Now What? (Allstate)
- Rollover Crash FAQ (iihs.org)
- Help Your Teen Be a Better Driver (State Farm)
- Winter Driving (Insurance Information Insitute)
- Auto Insurance for Teen Drivers (Insurance Information Insitute)
Frequently Asked Questions
How can I lower my auto insurance rates and qualify for discounts?
The price of auto insurance can be high, but there are often discounts available that you may not be aware of. Some discounts are applied automatically at the time of the quote, while others need to be requested specifically to receive the savings. It’s important to check with each insurance company to see which discounts they offer, as savings may vary by state.
What are some common discounts that insurance companies offer?
While discounts vary by insurer, here are some common discounts that may be available:
- Good driver discount
- Good student discount
- Multi-vehicle discount
- Multi-policy discount (bundling multiple policies with the same insurer)
- Safety features discount (for having safety features installed in your vehicle)
- Anti-theft device discount
- Low mileage discount
- Defensive driving course discount
Remember to inquire about available discounts with each prospective insurance company to maximize your savings.
Why might I be paying too much to insure my Scion FR-S?
Several factors come into play when calculating insurance coverage rates. Understanding these factors can help you make informed choices and potentially lower your insurance rates. Some of the elements that insurance companies consider include:
- Your driving record
- Your age and gender
- Your location (ZIP code)
- The make and model of your vehicle (Scion FR-S in this case)
- Your credit score
- Your chosen coverage limits and deductibles
- Any discounts you qualify for
By assessing these factors, you can better understand why you may be paying higher rates and take steps to potentially reduce your premiums.
Are the advertised discounts reflected in the overall premium cost?
It’s important to note that not all discounts will directly reduce your bottom-line premium cost. While discounts can help bring down your overall premium, they often apply to specific coverage prices, such as comprehensive or collision. Take into account that discounts may not necessarily mean the insurance company will pay you. However, any discount can help lower your overall premium.
How do insurance companies advertise cheaper car insurance rates?
Insurance companies often advertise lower rates to attract customers. These advertisements usually promote the savings drivers can achieve by switching their policy to the advertised company. It’s important to understand that different insurance companies have preferred customer profiles they prefer to insure. These profiles may include characteristics like age, driving history, and vehicle type. Drivers who match these preferred profiles are more likely to receive the advertised lower rates. To find the cheapest insurance rates for your Scion FR-S, it’s recommended to compare quotes from multiple insurance companies.
What are the typical coverages found in an insurance policy?
Understanding the different coverages in an insurance policy can help you determine the best options for your needs. Here are some common coverages found in an average insurance policy:
- Comprehensive coverage: Pays for damages to your vehicle from incidents other than collisions, such as theft, vandalism, or weather-related damage.
- Liability coverage: Protects you from legal claims by others for damage or injuries you cause in an accident. It does not cover damage to your own vehicle.
- Uninsured and underinsured coverage: Provides protection if you’re involved in an accident with a driver who has no insurance or insufficient coverage.
- Collision coverage: Pays for damages to your vehicle resulting from a collision with another car or object.
- Medical payments coverage: Covers medical expenses for you and your passengers in case of an accident, regardless of who is at fault.
Remember to review your policy and discuss your coverage needs with an agent to ensure you have adequate protection.
How can I find budget-friendly insurance for my 2014 Scion FR-S?
To find budget-friendly insurance for your Scion FR-S, it’s recommended to shop around and compare quotes from different insurance companies. You can use online quoting tools that allow you to enter your ZIP code and receive free quotes from multiple companies. Additionally, consider reaching out to local agents who can provide personalized assistance and help you find the best coverage options within your budget. Remember to balance affordability with the coverage and protection you need.
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