Cheapest San Jose Scion xB Insurance

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It takes a little time, but the best way to get budget auto insurance rates in San Jose is to start doing an annual price comparison from companies that insure vehicles in California. Price quotes can be compared by following these guidelines.

  1. Try to comprehend policy coverages and the steps you can take to prevent expensive coverage. Many factors that result in higher rates such as accidents, careless driving, and an unacceptable credit history can be eliminated by being financially responsible and driving safely. Keep reading for information to help prevent high rates and get discounts that may be available to you.
  2. Compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from a single company like Progressive or Allstate, while agents who are independent can provide prices for a wide range of insurance providers.
  3. Compare the new rates to your existing coverage to see if you can save by switching companies. If you find a lower rate quote and make a switch, verify that coverage does not lapse between policies.
  4. Give notification to your current company to cancel your current policy and submit a down payment along with a signed application to the new company. Don't forget to store the certificate verifying proof of insurance in an accessible location in your vehicle.

The most important part of shopping around is that you'll want to make sure you compare similar coverage information on every price quote and to quote with as many car insurance companies as possible. This enables a fair rate comparison and maximum price selection.

Discount Scion xB insuranceWe don't have to tell you that insurance companies don't want you to compare rates. Consumers who shop around for the cheapest price are likely to buy a new policy because there is a good chance of finding a policy with better rates. Surprisingly, a recent survey revealed that consumers who make a habit of shopping around saved approximately $865 a year as compared to drivers who never shopped around for lower prices.

If finding low prices for auto insurance is why you're reading this, then having a grasp of the best ways to find and compare cheaper coverage can help simplify the process.

These tips will teach you the best methods to compare rates and also pocket some savings If you are paying for car insurance now, you will definitely be able to buy cheaper auto insurance using the ideas covered in this article. Nevertheless, California consumers can benefit from knowing how the larger insurance companies determine what you pay and use this information to your advantage.

Just remember that obtaining a wide range of quotes will improve the odds of getting the best price. Not every company provides online San Jose xB insurance quotes, so it's important to also get price quotes on coverage from those companies, too.

The providers in the list below are our best choices to provide price quotes in San Jose, CA. If the list has multiple companies, we recommend you visit several of them to get the most affordable price.

Coverage information

The rate table shown below highlights a range of insurance costs for Scion xB models. Having a better understanding of how car insurance premiums are formulated helps drivers make informed coverage decisions.

Scion xB Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XB 2WD $210 $298 $442 $26 $132 $1,108 $92
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Premium costs do not factor in specific location which can raise or lower auto insurance rates noticeably.

Physical damage deductible comparison

A question often asked by San Jose drivers is which comprehensive and collision deductibles to buy. The rates below may help to conceptualize the differences in price when you select higher and lower policy deductibles. The first price estimate table uses a $250 physical damage deductible and the second rate chart uses a $1,000 deductible.

Scion xB insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XB 2WD $342 $472 $442 $26 $132 $1,439 $120
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Scion xB insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XB 2WD $210 $298 $442 $26 $132 $1,108 $92
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Rate quotes do not factor in garaging location in San Jose which can increase or decrease insurance rates noticeably.

Based on the above data, using a $250 deductible costs an average of $28 more each month or $336 each year across all Scion xB models than selecting the higher $1,000 deductible. Since you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 27 months between claim filings, you would come out ahead by selecting a higher deductible. Here is an example of how you can make this decision for your own policy.

Average monthly premium for $250 deductibles: $120
Average monthly premium for $1,000 deductibles (subtract): - $92
Monthly savings from raising deductible: $28
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $28
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 27 months

The information below shows how choosing a deductible and can impact Scion xB annual premium costs for different ages of insureds. The prices are based on a single male driver, comp and collision included, and no additional discounts are factored in.

Careless driving habits raise San Jose auto insurance rates

The example below shows how violations and accidents can affect Scion xB auto insurance costs for different age groups. The rates are based on a single male driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.

Difference between liability only and full coverage rates

The illustration below shows the difference between Scion xB premium costs with and without physical damage coverage. The premiums assume no violations or accidents, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.

Are you wasting money on full coverage?

There isn't a written rule for dropping physical damage insurance, but there is a guideline you can use. If the yearly cost of full coverage is more than 10% of any settlement you would receive from your insurance company, then it's probably a good time to buy liability coverage only.

For example, let's pretend your Scion xB book value is $7,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $6,000 after you pay the deductible. If it's costing in excess of $600 annually for physical damage coverage, then it might be time to consider dropping full coverage.

There are some cases where dropping full coverage is not advised. If you still owe money on your vehicle, you must maintain physical damage coverage in order to keep the loan. Also, if you don't have enough money to buy a different vehicle if your current one is damaged, you should maintain full coverage.

It may be expensive, but it's not optional

Despite the high cost, paying for auto insurance serves several important purposes.

First, almost all states have minimum mandated liability insurance limits which means you are required to buy a specific level of liability insurance coverage in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if your xB has a lienholder, most banks will stipulate that you have full coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank may insure your Scion at a much higher premium rate and require you to fork over much more than you were paying before.

Third, insurance safeguards both your assets and your vehicle. Insurance will also pay for medical expenses for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.

The benefits of insuring your car are definitely more than the cost, especially when you need to use it. According to a survey of 1,000 drivers, the average driver is overpaying over $820 a year so you should quote rates at least once a year to make sure the price is not too high.

Smart Buyers Can Lower Their Insurance Prices

Consumers need to have an understanding of some of the things that play a part in calculating the level of your policy premiums. If you understand what positively or negatively impacts your premiums, this enables informed choices that could result in lower insurance prices.

The itemized list below are some of the items companies use to determine prices.

  • Where you call home is a factor - Being located in less populated areas of the country can save you money when buying insurance. Fewer people translates into fewer accident claims in addition to fewer liability claims. People in densely populated areas have to deal with more traffic problems and a longer drive to work. Higher commute times statistically corresponds to a higher accident and claim rate.
  • Women tend to take less risk - Over the last 30 years, statistics show women are more cautious behind the wheel. However, don't assume that females are better drivers. Both sexes are responsible for at-fault accidents in similar numbers, but men tend to have more serious accidents. Not only that, but men also receive more costly citations such as DWI and reckless driving. Young men ages 16 to 20 tend to get in the most accidents and thus pay the highest rates.

    The chart below visualizes the comparison of Scion xB annual premium costs for male and female drivers. The premiums are based on no violations or accidents, full coverage, $250 deductibles, drivers are single, and no discounts are applied to the premium.

  • Lower rates for married couples - Having a wife or husband may earn you lower rates when buying insurance. Having a spouse usually means you are more financially stable it has been statistically shown that drivers who are married are more cautious.
  • Your credit score is important - An insured's credit score will be a significant factor in determining what you pay for insurance. Insureds that have excellent credit scores tend to be better drivers and file fewer claims than drivers who have bad credit. So if your credit score is not that good, you may save money insuring your Scion xB by improving your rating.
  • Scion xB claim statistics - Insurers include the past claim trends for vehicles when they set coverage costs for each model. Models that have a trend towards higher claims will have increased rates. The table below illustrates the insurance loss data used by companies for Scion xB vehicles.

    For each policy coverage, the statistical loss for all vehicles, regardless of manufacturer or model, is a value of 100. Numbers that are below 100 indicate a favorable loss history, while values that are above 100 point to more claims or an increased chance of larger losses than average.

    Car Insurance Loss Data for Scion xB Models
    Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Scion xB 86 92 89 148 127 116

    Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Do you qualify for discounts on Scion xB insurance in San Jose?

The price of auto insurance can be rather high, but you might be missing out on some discounts that could help you make your next renewal payment. A few discounts will automatically apply at the time you complete a quote, but some discounts are required to be specifically requested prior to receiving the credit.Save money with discounts

  • Military Rewards - Having an actively deployed family member could be rewarded with lower car insurance rates.
  • Senior Citizen Discount - Drivers that qualify as senior citizens may be able to get better car insurance rates.
  • Include Life Insurance and Save - If the company offers life insurance, you could get a discounted car insurance rate on car insurance if you buy a life policy as well.
  • Student Driver Training - Require your teen driver to successfully complete driver's ed class if offered at their school.
  • Cautious Drivers - Drivers without accidents could pay up to 40% less than their less cautious counterparts.
  • Theft Prevention System - Cars equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
  • More Vehicles More Savings - Buying a policy with several vehicles on a single policy could earn a price break for each car.
  • Passive Restraint Discount - Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
  • Government Employees - Employees or retirees of the government may qualify for a discount when you quote San Jose auto insurance but check with your company.
  • Accident-Free Discounts - San Jose drivers who stay claim-free pay less in comparison to insureds who have frequent claims or accidents.

Don't be shocked that most credits do not apply to the entire policy premium. Most only reduce individual premiums such as comp or med pay. Even though it appears having all the discounts means you get insurance for free, that's just not realistic.

The chart below visualizes the comparison of Scion xB insurance premiums with and without some available policy discounts. The data is based on a male driver, no accidents, no driving violations, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, homeowner, marriage, claim-free, and safe-driver discounts applied.

A few popular companies and a partial list of their discounts include:

  • American Family offers discounts for air bags, Steer into Savings, multi-vehicle, mySafetyValet, defensive driver, accident-free, and TimeAway discount.
  • State Farm has savings for anti-theft, good student, multiple policy, Drive Safe & Save, defensive driving training, and student away at school.
  • 21st Century may offer discounts for driver training, 55 and older, homeowners, theft prevention, air bags, automatic seat belts, and good student.
  • Travelers may have discounts that include driver training, multi-car, multi-policy, home ownership, and hybrid/electric vehicle.
  • GEICO has discounts for good student, air bags, membership and employees, driver training, five-year accident-free, and federal employee.

When getting free San Jose auto insurance quotes, it's a good idea to all the companies which discounts you may be entitled to. All car insurance discounts may not apply to policyholders everywhere. To see providers that offer the discounts shown above in California, click here.

Auto insurance is available from local insurance agents

Many drivers would rather get advice from a local agent and that is not a bad decision One of the best bonuses of comparing rates online is that drivers can save money and get cheaper car insurance rates but also keep your business local. And providing support for neighborhood insurance agencies is definitely important in San Jose.

Insurance agents in San JoseAfter filling out this quick form, the quote information is submitted to agents in your area who will gladly provide quotes for your insurance coverage. You never need to search for any insurance agencies as quotes are delivered immediately to your email address. You can get cheaper auto insurance rates without the usual hassles of price shopping. If for some reason you want to get a rate quote from a specific company, you can always jump over to their website to submit a rate quote request.

Shown below are San Jose auto insurance companies who can help you get price quotes for Scion xB insurance in San Jose.

3150 Almaden Expy #204 - San Jose, CA 95118 - (408) 267-3276 - View Map

5520 Almaden Expy - San Jose, CA 95118 - (408) 229-7870 - View Map

All Coverage Insurance Agency
3033 Moorpark Ave #27 - San Jose, CA 95128 - (408) 244-9100 - View Map

San Jose Insurance
2542 S Bascom Ave - Campbell, CA 95008 - (408) 371-3700 - View Map

More insurance agents

Choosing the best company requires more thought than just the quoted price. You should also get answers to these questions.

  • Does the agent recommend any additional coverage?
  • Can you use your own choice of collision repair facility?
  • By raising physical damage deductibles, how much would you save?
  • Can you get a list of referrals?
  • Are they actively involved in the community?

After getting good answers and a good coverage price, you have narrowed it down to an insurer that meets the criteria to adequately provide auto insurance.

Cheap coverage is out there

Lower-priced Scion xB insurance in San Jose is attainable both online and from local insurance agents, so you need to quote San Jose auto insurance with both to have the best rate selection. Some insurance providers may not provide online quoting and most of the time these smaller providers only sell coverage through independent agents.

While you're price shopping online, it's a bad idea to buy lower coverage limits just to save a few bucks. There have been many cases where drivers have reduced comprehensive coverage or liability limits to discover at claim time they didn't have enough coverage. The aim is to purchase a proper amount of coverage at a price you can afford, but don't skip important coverages to save money.

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