Scion xB Insurance Rate Quotes in Orlando

Discount Scion xB insuranceThe best way to get low-cost car insurance rates in Orlando is to start comparing prices yearly from companies who sell auto insurance in Florida.

The most important part of shopping around is to try to use identical coverages on each quote and and to get rates from as many different insurance providers as possible. Doing this guarantees an accurate price comparison and a complete selection of prices.

Everyone knows that car insurance companies want to keep you from shopping around. Insureds who shop around for the cheapest rate are inclined to switch car insurance companies because they have a good chance of finding lower prices. A study showed that consumers who routinely compared rates saved over $72 a month as compared to drivers who never compared rates.

If finding low prices for Scion xB insurance is why you’re reading this, learning the best way to compare car insurance can help simplify the process.

Companies offering Scion xB insurance in Florida

The providers in the list below can provide price comparisons in Florida. In order to find cheap auto insurance in Orlando, it’s highly recommended you visit two to three different companies in order to find the cheapest rates.

Rate information and statistics

The premium information below highlights detailed analysis of insurance policy prices for Scion xB models. Being able to understand how insurance policy premiums are formulated can assist in making informed decisions.

Scion xB Insurance Rates in Orlando, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XB 2WD $238 $332 $430 $26 $128 $1,154 $96
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Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rates do not factor in Orlando location which can change price quotes greatly.

Auto insurance deductibles

One of the most common auto insurance questions is how high should the deductibles for physical damage be. The comparisons below summarize how much more you’ll pay when you buy lower versus higher insurance deductibles. The first set of rates uses a $250 deductible for physical damage and the second rate table uses a $1,000 deductible.

Scion xB insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XB 2WD $322 $446 $418 $24 $124 $1,359 $113
Get Your Own Custom Quote Go

Scion xB insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XB 2WD $200 $280 $418 $24 $124 $1,046 $87
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate quotes do not factor in vehicle location which can raise or lower rates significantly.

Based on this data, using a $250 deductible costs approximately $26 more each month or $312 each year than requesting the higher $1,000 deductible. Since you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 29 months between claim filings, you would most likely save money by going with a higher deductible. Here’s the way you can perform this determination yourself.

Average monthly premium for $250 deductibles: $113
Average monthly premium for $1,000 deductibles (subtract): – $87
Monthly savings from raising deductible: $26
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $26
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 29 months

One important note is that raising deductibles means you will have to pay more when you have a claim. You need to have access to more funds in order to pay more to get your vehicle repaired.

How You Can Control Scion xB Insurance Prices

Many different elements are used when you get a price on insurance. A few of the factors are predictable like your driving record, although some other factors are not quite as obvious like where you live or how safe your car is. An important part of buying insurance is that you know the factors that help calculate the level of your policy premiums. When you know what positively or negatively determines base rates, this allows you to make educated decisions that may result in lower premium levels.

Accidents will cost you – Having a clean driving record has a huge affect on how much you pay. Having a single moving violation may cause rates to rise forty percent or more. Good drivers get better prices than people who have multiple driving citations. People who have severe tickets such as DUI, reckless driving or excessive speeding may be required to file a proof of financial responsibility form (SR-22) with their state in order to keep their license.

The chart below demonstrates how traffic citations and at-fault claims can affect Scion xB insurance costs for different ages of insureds. The information is based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.

Are you male or female? – Statistics demonstrate women are more cautious behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Men and women get in fender benders at about the same rate, but the male of the species have costlier accidents. They also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.

The diagram below visualizes the comparison of Scion xB insurance costs for male and female drivers. The premiums assume a clean driving record, no claims, full physical damage coverage, $500 deductibles, drivers are single, and no policy discounts are applied.

Always have insurance – Having a lapse in insurance coverage is a sure-fire way to increase your insurance rates. Not only will you pay higher rates, being ticketed for driving with no insurance will get you a license revocation or jail time. You will then be forced to provide proof of insurance in the form of an SR-22 filing with the Florida department of motor vehicles.

Use credit responsibly and save – Credit score is a large factor in determining premium rates. If your credit could use some work, you could pay less to insure your Scion xB if you clean up your credit. People that have high credit ratings tend to file fewer claims as compared to drivers with poor credit.

Frequent insurance claims increase prices – Companies in Florida award most affordable rates to insureds who are claim-free. If you file a lot of claims you can pretty much guarantee higher rates. Auto insurance is intended for claims that you cannot pay yourself.

Scion xB insurance loss statistics – Insurance companies include the past claim trends for vehicles to help determine the rate you pay. Models that are shown to have higher losses will cost more for specific coverages.

The next table illustrates the insurance loss data for Scion xB vehicles. For each policy coverage, the loss probability for all vehicles averaged together is equal to 100. Percentage values below 100 are indicative of better than average losses, while values over 100 indicate higher probability of having a loss or larger claims.

Scion xB Insurance Loss Statistics
Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Scion xB 86 92 89 148 127 116

Statistics from for 2013-2015 Model Years

Save money by receiving discounts

Some companies do not list every discount available in an easy-to-find place, so the list below gives a summary of some of the best known in addition to some of the lesser obvious discounts that you may qualify for. If you don’t get every credit possible, you are just wasting money.Car insurance discounts

As a sidenote, most discount credits are not given to the overall cost of the policy. Most only apply to the cost of specific coverages such as comp or med pay. Just because it seems like you could get a free car insurance policy, insurance companies wouldn’t stay in business.

The example below compares Scion xB insurance costs with and without discounts applied to the premium. The information is based on a male driver, no claims, a clean driving record, Florida state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, multi-car, claim-free, homeowner, and safe-driver discounts applied.

If you would like to view providers who offer car insurance discounts in Orlando, follow this link.

You may want advice from an insurance agency

A small number of people prefer to buy from a local agent and doing that can be a smart decision Licensed agents can make sure you are properly covered and will help you if you have claims. A nice benefit of comparing rate quotes online is the fact that you can find the best rates and still choose a local agent.

After completing this simple form, your insurance data gets sent to local insurance agents that provide free Orlando car insurance quotes for your coverage. It makes it easy because there is no need to leave your house as quotes are delivered to the email address you provide. In the event you want to quote rates from one company in particular, just find their quoting web page and fill out the quote form the provide.

Finding the right provider is decision based upon more than just a cheap price. These are some questions you should get answers to.

Pick the best car insurance agent in Orlando for you

When researching a reliable insurance agent, you need to know there are two different agency structures and how they can quote your rates. Auto insurance policy providers are categorized either independent (non-exclusive) or exclusive. Both can sell and service auto insurance coverage, but it is important to understand how they are different since it can affect your selection of an agent.

Exclusive Agencies

Agents that elect to be exclusive work for only one company like State Farm, Allstate, and Farm Bureau. Exclusive agents cannot place coverage with different providers so you need to shop around if the rates are high. They are very knowledgeable on sales techniques and that enables them to sell even at higher rates. Some people will only buy from the same agent for years mainly due to the brand legacy and the convenience of having a single billing for all their coverages.

Below is a short list of exclusive agencies in Orlando that can give you price quote information.

More insurance agents

Independent Agents (or Brokers)

These agents do not sell for just one brand and that is an advantage because they can write policies with lots of companies and get you the best rates possible. If they find a cheaper price, an independent agent can move your coverage which makes it simple for you. When comparing rate quotes, we recommend you compare quotes from several independent insurance agents to get the best comparison. Many independent agencies also insure through small regional insurance companies which could offer lower prices.

Listed below is a list of independent insurance agencies in Orlando that can give you rate quotes.

More insurance agents

Best car insurance company in Orlando

Choosing a highly-rated insurance provider can be difficult considering how many choices you have in Orlando. The ranking data in the lists below may help you choose which auto insurers you want to consider when shopping your coverage around.

Top 10 Orlando Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Will just any policy work for me?

Keep in mind that when it comes to choosing coverage for your personal vehicles, there isn’t really a one-size-fits-all type of policy. Everyone’s situation is a little different and a cookie cutter policy won’t apply.Higher deductibles save money
For example, these questions may help you determine whether or not you might need an agent’s assistance.

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Find cheap auto insurance prices by comparing often

As you quote Orlando car insurance, it’s a bad idea to reduce coverage to reduce premium. Too many times, an accident victim reduced full coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy the best coverage you can find at the best possible price, but do not sacrifice coverage to save money.

We just covered a lot of tips how to find cheap Scion xB insurance in Orlando. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. You may even be surprised to find that the best prices are with the smaller companies. These companies may often insure only within specific states and give better rates than the large multi-state companies such as State Farm, GEICO and Nationwide.

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