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2015 Scion iQ Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 23, 2017

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Looking for lower insurance rates for your Scion iQ? Feel like you’re a prisoner to high-priced insurance? Trust us, there are many consumers feeling the pinch from expensive insurance. You have so many insurance companies to pick from, and even though it’s nice to be able to choose, lots of choices makes it harder to find the best rates for your vehicles.

Finding affordable coverage is easy if you know what you’re doing. If you are paying for car insurance now, you should be able to cut costs considerably using this information. Drivers just need to learn the proper way to shop their coverage around online.

Save money by taking advantage of these discounts

Companies that sell car insurance don’t necessarily list all their discounts very clearly, so we took the time to find both the well known as well as the least known savings tricks you should be using. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for iQ insurance than their less cautious counterparts.
  • Federal Employees – Active or retired federal employment can save as much as 8% for iQ insurance with select insurance companies.
  • Bundle and Save – When you combine your home and auto insurance with the same insurance company you may save approximately 10% to 15%.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.
  • Save with a New Car – Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.

Drivers should understand that most discounts do not apply to the entire policy premium. Most cut specific coverage prices like medical payments or collision. So even though it sounds like all those discounts means the company will pay you, companies don’t profit that way.

To see a list of companies with the best auto insurance discounts, click here.

The quickest method to get rate comparisons is to know most insurance companies provide online access to compare their rates. All consumers are required to do is provide a small amount of information such as if a SR-22 is required, whether the vehicles are used for commuting, your occupation, and distance driven. Your rating data is instantly submitted to insurance companies and you will receive price estimates within a short period of time.

To check rates for your Scion iQ , click here and enter your zip code.

Factors influencing Scion iQ insurance rates

Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for insurance. Having a good understanding of what influences your rates empowers consumers to make smart changes that will entitle you to better insurance rates.

The list below includes a few of the “ingredients” used by your company to calculate prices.

  • Frequent insurance claims increase rates – If you file claims often, you can expect higher rates. Car insurance companies give discounts to drivers who do not rely on their insurance for small claims. Insurance coverage is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Don’t skimp on liability – Liability coverage is the coverage that protects you in the event that you are found to be at fault for damages from an accident. Liability provides you with a defense in court up to the limits shown on your policy. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Lower deductibles cost more – Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your Scion from damage. Some examples of claims that would be covered are colliding with a building, damage caused by hail, or theft. Your deductibles are the amount of money you are required to spend if you file a covered claim. The higher the amount the insured has to pay upfront, the less your company will charge you for insurance for iQ insurance.
  • Do you need those extra coverages? – There are quite a few extra coverages you can purchase on your insurance policy. Insurance for rental car reimbursement, better glass coverage and membership fees may be costing you every month. They may seem like a good idea when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Pay less if you’re married – Having a wife or husband actually saves money on your insurance policy. Marriage is viewed as being more mature than a single person it has been statistically shown that married couples file fewer claims.
  • Men are more aggressive – Statistics have proven women are more cautious behind the wheel. However, don’t assume that men are worse drivers. They both are in accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations such as reckless driving.

When should I use an insurance agent?

When choosing the best insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that might point out if your insurance needs might need professional guidance.

  • Do I have coverage when making deliveries for my home business?
  • Should I buy only the required minimum liability coverage?
  • Are my friends covered when driving my 2015 Scion iQ?
  • Can I afford to buy a different vehicle if my 2015 Scion iQ is totaled?
  • Does my 2015 Scion iQ qualify for pleasure use?
  • Do I get a pro-rated refund if I cancel my policy early?
  • When should I buy a commercial auto policy?
  • How much can I save by bundling my policies?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Buyer beware of car insurance advertising tricks

Consumers get pounded daily by advertisements for the lowest price auto insurance by State Farm and Allstate. All the companies make an identical promise about savings if you change to their company.

How do they all claim to save you money?

Different companies have a preferred profile for the driver that is profitable for them. For example, a profitable customer might be profiled as between 25 and 40, owns a home, and has excellent credit. A propective insured who meets those qualifications is entitled to the best price and as a result will probably save quite a bit of money when switching.

Drivers who do not match the requirements will be quoted a more expensive rate and ends up with the customer not buying. The ad wording is “people who switch” not “people who quote” save that much money. That’s the way insurance companies can advertise the savings. This emphasizes why drivers should quote coverage with many companies. You cannot predict which car insurance company will fit your personal profile best.

Car insurance coverages explained

Understanding the coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages offered by car insurance companies.

Liability insurance

This will cover injuries or damage you cause to other people or property by causing an accident. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, 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 insurance covers claims such as structural damage, legal defense fees and medical expenses. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Medical expense coverage

Med pay and PIP coverage provide coverage for expenses such as doctor visits, chiropractic care, rehabilitation expenses and ambulance fees. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Collision protection

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as sustaining damage from a pot hole, hitting a mailbox, crashing into a ditch, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Scion iQ.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a broken windshield, theft and hitting a bird. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Do the work, save more money

As you shop your coverage around, do not skimp on critical coverages to save a buck or two. In many instances, an insured cut full coverage to discover at claim time they didn’t purchase enough coverage. Your strategy should be to buy the best coverage you can find for the lowest price.

Affordable 2015 Scion iQ insurance is definitely available from both online companies as well as from independent agents, so compare prices from both to have the best chance of lowering rates. Some insurance providers don’t offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

We just covered a lot of ways to get a better price on insurance. The most important thing to understand is the more providers you compare, the higher the chance of saving money. Consumers could even find that the best prices are with a small local company. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm and Allstate.

Much more information about insurance can be read on the following sites:

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