Affordable Insurance for a Scion xB in Mesa

Insurance rates Scion xB in MesaThe best way we recommend to get low-cost car insurance rates in Mesa is to compare quotes annually from different companies who can sell car insurance in Arizona.

First, get a basic knowledge of car insurance and the factors you can control to prevent high rates. Many policy risk factors that result in higher rates such as traffic violations and an unfavorable credit rating can be controlled by making small lifestyle or driving habit changes.

Second, compare price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give prices from one company like Progressive or Allstate, while independent agents can quote rates from multiple companies.

Third, compare the new rate quotes to your existing policy to see if switching to a new carrier will save money. If you find better rates and buy the policy, make sure there is no lapse in coverage.

Fourth, provide notification to your current agent or company of your decision to cancel the current policy. Submit the required down payment along with the signed application for the new policy. When you receive it, store the certificate of insurance in your vehicle’s glove compartment or console.

The key thing to remember is to compare similar limits and deductibles on each quote request and and to get price estimates from as many different insurance providers as possible. This ensures a fair rate comparison and the best price selection.

It’s safe to assume that auto insurance companies don’t want you to look for a cheaper policy. Drivers who shop around at least once a year will presumably switch companies because they stand a good chance of finding lower rate quotes. A recent auto insurance study revealed that people who did price comparisons regularly saved over $860 a year compared to those who never shopped for cheaper rates.

If finding discount rates on Scion xB insurance is your ultimate target, then having some insight into the best way to quote and compare coverages can make shopping around easier.

Best companies for affordable Scion xB insurance in Arizona

The companies shown below can provide quotes in Mesa, AZ. If multiple companies are listed, we recommend you visit as many as you can in order to find the cheapest rates.

Rates and detailed analysis

The rate table below highlights different coverage costs for Scion xB models. Understanding how rate quotes are figured is important to be able to make informed purchases.

Scion xB Insurance Rates in Mesa, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XB 2WD $250 $376 $306 $18 $92 $1,042 $87
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Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Estimates do not factor in specific location information which can alter coverage rates significantly.

Physical damage deductibles: Should you raise them?

One of the hardest decisions when shopping for car insurance is how low should you set your deductibles. The comparison tables below may help to illustrate the rate fluctuation of buying low and high comp and collision deductibles. The first set of rates uses a $100 deductible for comp and collision and the second price grid uses a $500 deductible.

Scion xB insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XB 2WD $258 $382 $300 $18 $90 $1,073 $89
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Scion xB insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XB 2WD $188 $258 $300 $18 $90 $854 $71
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Price information does not factor in specific location which can modify auto insurance rates considerably.

Based on these figures, using a $100 deductible could cost the average driver approximately $18 more each month or $216 a year across all Scion xB models than selecting the higher $500 deductible. Because you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you average at least 22 months between claims, you would save more money if you opt for a higher deductible.

Poor driving habits will raise your car insurance rates

The diagram below shows how violations and fender-benders can drive up Scion xB insurance rates for different age groups of insureds. The price estimates are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are applied.

Cost difference between full coverage and liability

The diagram below illustrates the difference between Scion xB yearly insurance costs with and without physical damage coverage. The premiums assume no accidents, no driving violations, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

When to drop comprehensive and collision

There is no definitive guideline to eliminate comp and collision coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is more than about 10% of replacement cost minus your deductible, then it could be time to drop full coverage.

For example, let’s assume your Scion xB book value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $6,000 after paying your deductible. If premium cost is more than $600 a year for your policy with full coverage, then it could be time to drop full coverage.

There are some scenarios where buying only liability insurance is not a good plan. If you haven’t paid off your loan, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not opt for liability only.

Do you qualify for discounts?

Auto insurance companies do not advertise all available discounts very clearly, so here is a list a few of the more common in addition to some of the lesser obvious discounts that may be available.Cheaper insurance with discounts

Remember that most discount credits are not given to all coverage premiums. Most only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like it’s possible to get free car insurance, it doesn’t quite work that way. But any discount should help lower the amount you have to pay.

The illustration below shows the comparison of Scion xB insurance costs with and without discounts being applied to the rates. The rates are based on a female driver, no accidents, no driving violations, Arizona 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 claim-free, homeowner, multi-policy, multi-car, safe-driver, and marriage discounts applied.

A few companies that possibly offer most of these discounts may include but are not limited to:

If you need inexpensive Mesa auto insurance quotes, ask every prospective company which credits you are entitled to. All car insurance discounts may not be available in Mesa. If you would like to choose from a list of companies that offer some of these discounts in Mesa, follow this link.

Smart Buyers Can Reduce Their Insurance Prices

A large part of saving on car insurance is knowing a few of the rating criteria that are used to determine your premiums. When you understand what influences your rates, this enables informed choices that may result in cheaper rates. Many different elements are used when premium rates are determined. Most are fairly basic like your driving record, but other criteria are not quite as obvious like your vehicle usage or your vehicle rating.

More performance means more cost – The make and model of the car or truck you need insurance for makes a huge difference in your rates. The cheapest rates will generally be found on economy passenger models, but there are many factors that impact the final cost.

The next chart assumes a married male driver age 40, full coverage with $1000 deductibles, and no discounts or violations. It shows Scion xB insurance rates compared to other models that have a range of risk factors.

Your address can push rates up or down – Residing in a small town can be a good thing when it comes to car insurance. Residents of big cities tend to have more road rage incidents and much longer commute distances. Lower population corresponds to lower accident rates and lower theft and vandalism rates.

Single vs. married – Your spouse actually saves money when shopping for car insurance. Marriage usually means you are more financially stable and it’s proven that married drivers get in fewer accidents.

Is insurance cheaper for men or women? – Statistics show women are more cautious behind the wheel. However, this does not mean men are worse drivers. Both genders have at-fault accidents in similar numbers, but the males have accidents that have higher claims. They also have more aggressive citations like reckless driving and DUI.

The information below visualizes the comparison of Scion xB auto insurance rates for male and female drivers. The price estimates are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, drivers are single, and no policy discounts are applied.

Poor credit score equals high costs – Having a bad credit history can be a huge factor in your rate calculation. If your credit history can use some improvement, you may save money insuring your Scion xB by repairing your credit. Insureds that have good credit tend to be more responsible and file fewer claims as compared to drivers with lower credit scores.

Fewer miles means better premiums – Driving more miles each year the higher your rates will be. A lot of companies charge to insure your cars based upon how you use the vehicle. Cars and trucks that are left in the garage receive lower rates than vehicles that are driven to work every day. It’s always a good idea to double check that your car insurance declarations sheet correctly shows the right rating data. Having the wrong rating on your xB may be costing you higher rates.

Pay more out-of-pocket – Comp and collision deductibles define how much you are required to spend if the claim is covered. Insurance for physical damage, also called comprehensive and collision insurance, covers damage that occurs to your car. Some examples of covered claims could be colliding with a stationary object, vandalism, or theft of your vehicle. The more money you choose to pay out-of-pocket, the bigger discount you will receive.

Coverage lapses lead to higher rates – Driving any period of time without insurance is illegal and as a result your rates will increase for letting your coverage lapse. Not only will you pay more, not being able to provide proof of insurance could result in a fine, jail time, or a revoked license.

Scion xB claim statistics – Companies analyze claim trends for every vehicle when setting rates for each model. Vehicles that historically have a trend towards higher claims will cost more to insure. The information below illustrates the compiled insurance loss statistics for Scion xB vehicles.

For each type of coverage, the statistical loss for all vehicles, without regard to make or model, is a value of 100. Values that are below 100 suggest losses that are better than average, while values that are 100 or greater indicate higher probability of having a loss or larger claims.

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

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

You may need advice from an insurance agency

Many drivers just prefer to get professional advice from a licensed agent and that is a smart decision Insurance agents can help determine the best coverages and give you someone to call. One of the great benefits of comparing rate quotes online is you can get lower car insurance rates and still have a local agent. And providing support for neighborhood agents is still important in Mesa.

Insurance agency in MesaAfter filling out this form (opens in new window), the quote information is instantly submitted to agents in your area that provide free Mesa auto insurance quotes for your business. You never need to do any legwork because quoted prices will be sent immediately to your email address. In the event you want to compare rates from a specific insurance company, feel free to search and find their rate quote page and fill out their quote form.

Insurance agent types

If you are wanting to find a reputable agency, there are two different types of agents and how they can write your policy. Agencies in Mesa are classified as either independent agents or exclusive agents. Either one can do a good job, but we need to point out the difference in the companies they write for since it may influence buying decisions.

Independent Insurance Agents

Agents of this type are not limited to a single company and that enables them to quote your coverage with multiple insurance companies and possibly get better coverage at lower prices. If prices rise, your agent can switch companies and that require little work on your part.

When shopping rates, we recommend you check rates from a few independent agents so that you have a good selection of quotes to compare. Most independent agents also contract with lesser-known insurance companies which can be an advantage.

Shown below is a partial list of independent insurance agencies in Mesa that can give you free insurance rate quotes.

View more Mesa agents

Exclusive Insurance Agencies

Agents of this type normally can only provide a single company’s rates and some examples include Allstate, AAA, Farmers Insurance, and State Farm. These agents are unable to shop your coverage around so they are skilled at selling on more than just price. Exclusive insurance agents are very knowledgeable on their products and sales techniques which helps overcome the inability to quote other rates. Many people choose to use an exclusive agent mainly due to the prominence of the brand rather than low price.

The following is a list of exclusive insurance agents in Mesa willing to provide comparison quotes.

View more Mesa agents

Choosing an insurance agency should include more criteria than just a low price. Here are some questions to ask:

If you get good answers to all your questions as well as offering an affordable quote, you may have just found an insurance agent that can adequately provide insurance. It’s important to know that policyholders can cancel coverage at any point so don’t assume you are locked into any specific company for the full term.

Best car insurance in Arizona

Selecting a high-quality company is hard considering how many different companies insure vehicles in Mesa. The information shown next may help you pick which car insurance companies you want to consider buying from.

Best Car Insurance Companies in Mesa
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

Keep this in mind when shopping around

A few companies may not offer online quoting and most of the time these regional carriers only sell coverage through independent insurance agencies. Low-cost Scion xB insurance in Mesa can be sourced online in addition to local insurance agencies, and you need to comparison shop both in order to have the best price selection to choose from.

We just covered many ideas to reduce Scion xB insurance car insurance rates online in Mesa. The key thing to remember is the more rate quotes you have, the better likelihood of getting affordable Mesa auto insurance quotes. Drivers may even discover the best car insurance rates are with a smaller regional carrier.

When shopping online for auto insurance, do not skimp on critical coverages to save a buck or two. There have been many cases where someone dropped collision coverage only to regret at claim time that it was a big error on their part. Your focus should be to buy the best coverage you can find at the best possible price but still have enough coverage for asset protection.

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