Scion tC Insurance Quotes in San Jose

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Insurance rates Scion tC in San JoseIf you want to save money, the best way to get budget auto insurance rates in San Jose is to start doing a yearly price comparison from different companies in California.

  • First, it will benefit you to learn about car insurance and the things you can control to keep rates down. Many risk factors that are responsible for high rates such as accidents, traffic violations, and a bad credit score can be amended by making minor driving habit or lifestyle changes. Continue reading for instructions to help find cheaper rates and find discounts that you may qualify for.
  • Second, request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from one company like GEICO and State Farm, while independent agents can provide prices for a wide range of companies. View rates
  • Third, compare the new rate quotes to your current policy premium and see if there is a cheaper rate in San Jose. If you find a better price and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
  • Fourth, give notification to your agent or company to cancel your current car insurance policy and submit payment and a completed application to the newly selected company. Once the paperwork is finalized, put the certificate verifying coverage in a readily accessible location in your vehicle.

One bit of advice is that you'll want to make sure you compare the same deductibles and limits on every quote and to quote with every insurance company. Doing this guarantees the most accurate price comparison and a complete price analysis.

A recent study revealed that over 70% of consumers have been with the same company for a minimum of four years, and approximately 40% of consumers have never compared rates with other companies. Many consumers in the United States can cut their rates by as much as $860 a year just by shopping around, but most just don't grasp how much they could save if they moved their coverage to a different company.

How to Lower Your Insurance Premiums

Lots of things are part of the calculation when you get a price on insurance. Some are obvious such as traffic violations, although some other factors are more transparent like your vehicle usage or how financially stable you are. A large part of saving on insurance is knowing the rating factors that come into play when calculating the price you pay for insurance. If you know what impacts premium levels, this allows you to make educated decisions that will entitle you to much lower annual insurance costs.

The following are a few of the things used by companies to determine prices.

  • Battle of the sexes - Statistics have proven women tend to be less risk to insure than men. That doesn't necessarily mean that females are better at driving than males. Both genders get in at-fault accidents at a similar rate, but males cause more damage. Men also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly. Youthful male drivers generally have the highest accident percentage so they pay the highest premiums.

    The illustration below visualizes the comparison of Scion tC insurance premiums for male and female drivers. Data assumes no driving violations, no at-fault accidents, full coverage, $100 deductibles, single status, and no discounts are applied to the premium.

  • Cars with good safety ratings save money - Safe vehicles can get you lower premiums. The safest vehicles help reduce the chance of injuries in an accident and better occupant protection means less money paid by your insurance company and lower rates for you. If your Scion tC is rated at least an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.
  • Small coverages can add up - Insurance policies have a lot of add-on coverages that may not really be needed if you aren't careful. Things like personal injury protection, death and dismemberment, and Farm Bureau memberships could be just wasting money. These coverages may sound good initially, but if they're wasting money get rid of them and save.
  • High performance equals high rates - The type of car you own makes a substantial difference in your premium level. Smaller low performance passenger models usually are quite affordable to insure, but the cost you end up paying is determined by many additional factors.

    The chart below uses these variables: married female driver age 30, full coverage with $1000 deductibles, and no discounts or violations. The chart compares Scion tC insurance premiums compared to other vehicles that have a range of performance rating factors.

  • Infrequent drivers can save - Driving more miles every year the more you will pay for insurance. Many insurance companies charge rates based upon how you use the vehicle. Vehicles left parked in the garage receive better premium rates as compared to vehicles used primarily for driving to work. A policy that improperly rates your tC is throwing money out the window. Double check that your policy is showing the correct usage.
  • Low coverage deductibles mean high rates - Physical damage protection, also called 'full coverage', protects your Scion from damage. A few examples of covered claims are collision with another vehicle, damage from fire, and damage caused by flying debris. Comprehensive and collision coverage deductibles are how much you are required to spend if you file a covered claim. The more damage repair cost you choose to pay out-of-pocket, the bigger discount you will receive.
  • Higher rates for stressful occupations - Occupations such as lawyers, executives, and dentists generally have higher premiums than the average policyholder due to high stress and long work days. On the other hand, careers such as scientists, engineers and retirees get better rates.
  • Loss probability for a Scion tC - Companies use past loss statistics for each vehicle when they set coverage costs for each model. Vehicles that tend to have higher losses will have a higher cost to insure. The table below shows the actual insurance loss data for Scion tC vehicles.

    For each policy coverage type, the claim probability for all vehicles, regardless of make, model or trim level, is set at 100. Numbers below 100 imply a favorable loss record, while percentage values above 100 indicate a higher chance of having a claim or tendency to have higher losses.

    Insurance Loss Ratings for Scion tC Vehicles
    Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Scion tC 133 139 136 148 152 143

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

All the larger car insurance companies make it easy to get prices on the web. Obtaining pricing for Scion tC insurance in San Jose is fairly simple as all you need to do is type in your personal and coverage information on the page. Once entered, the company's rating system automatically orders your driving and credit reports and gives you a price quote determined by many factors. This makes it a lot easier to compare rates and it's necessary to perform this step if you want to find a lower rate.

To use this form to compare rates, compare rates from the companies below. To compare your current rates, we recommend you input the coverage information as close as possible to your current policy. Doing this guarantees you're receiving comparison quotes using the exact same coverages.

The companies shown below can provide free rate quotes in San Jose, CA. If several companies are displayed, it's highly recommended you visit as many as you can to get a more complete price comparison.

Scion tC coverage statistics

The data table displayed below showcases a range of insurance coverage prices for Scion tC models. Having a good grasp of how insurance premiums are figured is important for you to make decisions when choosing a new policy provider.

Scion tC Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TC 2-Dr Hatchback $278 $630 $552 $32 $166 $1,658 $138
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Information does not factor in specific location information which can alter insurance rates significantly.

Choosing deductibles

One frequently asked question is the level to set your comp and collision deductibles. The rates shown below can help you understand the rate difference when you choose different comp and collision deductibles. The first data set uses a $100 physical damage deductible and the second rate table uses a $500 deductible.

Scion tC insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TC 2-Dr Hatchback $380 $932 $552 $32 $166 $2,087 $174
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Scion tC insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TC 2-Dr Hatchback $278 $630 $552 $32 $166 $1,658 $138
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Price estimates do not factor in specific San Jose garaging location which can revise auto insurance rates significantly.

Using the premium rates above, we can conclude that using a $100 deductible costs approximately $36 more each month or $432 a year across all Scion tC models than opting for the higher $500 deductible. Because you would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you normally go at least 11 months between claims, you would most likely save money by selecting a higher deductible.

How to calculate deductible break even period

Average monthly premium for $100 deductibles: $174
Average monthly premium for $500 deductibles (subtract): - $138
Monthly savings from raising deductible: $36
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $36
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 11 months

The information below demonstrates how choosing different deductibles and can influence Scion tC insurance costs for different age groups. The data is based on a single male driver, full coverage, and no policy discounts are applied.

Rate comparison of full coverage and liability-only

The information below shows the comparison of Scion tC insurance costs with full coverage compared to only the California minimum liability coverage. The premium estimates are based on no claims or driving violations, $500 deductibles, drivers are not married, and no discounts are taken into consideration.

When to stop buying comprehensive and collision coverage

There is no definitive rule of when to drop full coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it's probably a good time to buy liability coverage only.

For example, let's pretend your Scion tC replacement cost is $9,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $8,000 after paying your deductible. If it's costing in excess of $800 annually for comprehensive and collision coverage, then it could be time to drop full coverage.

There are some scenarios where dropping full coverage is not advised. If you still have a loan on your vehicle, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.

Protect your Scion tC and other assets

Despite the fact that car insurance is not cheap in San Jose, paying for car insurance serves several important purposes.

First, the majority of states have mandatory liability insurance requirements which means you are required to buy a minimum amount of liability protection in order to get the vehicle licensed. 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 you have a lien on your tC, it's most likely the lender will make it a condition of the loan that you buy full coverage to guarantee payment of the loan. If you default on your policy, the lender may have to buy a policy to insure your Scion for a much higher rate and require you to fork over a much higher amount than you were paying before.

Third, car insurance protects not only your Scion but also your financial assets. It will also reimburse you for all forms of medical expenses for you, your passengers, and anyone else injured in an accident. Liability coverage also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, comprehensive and/or collision insurance will pay to repair the damage.

The benefits of insuring your car more than cancel out the cost, particularly for liability claims. In a recent study of 1,000 drivers, the average customer overpays more than $865 each year so compare quotes from several companies each time the policy renews to ensure rates are inline.

Get discounts on San Jose auto insurance

Some companies don't always publicize every discount they offer very clearly, so we break down some of the more common and also the lesser-known auto insurance savings.Discount auto insurance

  • Use Seat Belts - Drivers who require all occupants to wear their seat belts can save up to 15% off the personal injury premium cost.
  • Lower Rates for Military - Being on active deployment in the military could be rewarded with lower rates.
  • Responsible Driver Discount - Insureds who avoid accidents can get discounts for up to 45% lower rates compared to accident prone drivers.
  • Anti-lock Brake System - Vehicles with ABS and/or traction control can avoid accidents so companies give up to a 10% discount.
  • Accident Forgiveness Coverage - Not necessarily a discount, but a handful of insurance companies permit an accident before they charge you more for coverage if you are claim-free for a certain period of time.
  • Claim Free - Drivers who don't have accidents get the best auto insurance rates as opposed to drivers who are more careless.

It's important to understand that most credits do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think adding up those discounts means a free policy, auto insurance companies aren't that generous.

The information below visualizes the comparison of Scion tC auto insurance costs with and without discounts applied to the premium. The premiums are based on a female driver, no tickets, no at-fault accidents, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, multi-car, safe-driver, marriage, and claim-free discounts applied.

Larger auto insurance companies and the discounts they provide are outlined below.

  • The Hartford has savings for defensive driver, anti-theft, air bag, vehicle fuel type, driver training, and good student.
  • American Family may have discounts that include bundled insurance, air bags, TimeAway discount, accident-free, Steer into Savings, defensive driver, and early bird.
  • Progressive may offer discounts for online quote discount, homeowner, continuous coverage, multi-policy, multi-vehicle, and online signing.
  • Travelers discounts include payment discounts, continuous insurance, save driver, hybrid/electric vehicle, and multi-car.
  • Farmers Insurance includes discounts for switch companies, bundle discounts, pay in full, youthful driver, early shopping, alternative fuel, and multi-car.
  • USAA offers premium reductions for multi-policy, good student, vehicle storage, defensive driver, loyalty savings, military installation, and family discount.
  • Liberty Mutual offers discounts for teen driver discount, multi-car, newly married, new graduate, new vehicle discount, and good student.

When quoting, ask all companies you are considering which discounts can lower your rates. Some discounts might not be available to policyholders in San Jose. To see a list of insurers who offer free Scion tC insurance quotes in San Jose, click here to view.

Get rate quotes but buy from a local San Jose insurance agency

A lot of people still prefer to talk to a local agent and there is nothing wrong with that. Licensed agents are very good at helping people manage risk and help you file claims. One of the best bonuses of getting free rate quotes online is the fact that drivers can get the lowest rates but also keep your business local. Buying insurance from local insurance agencies is still important in San Jose.

San Jose insurance agentsAfter completing this form (opens in new window), your coverage information is transmitted to local insurance agents that give free quotes for your insurance coverage. It's much easier because you don't need to drive around because prices are sent to you. If you need to quote rates from a particular provider, you would need to find their quoting web page and give them your coverage information.

When looking for a local insurance agency, you must know there are a couple different agency structures and how they differ in how they quote coverages. Agencies in San Jose are categorized either independent agents or exclusive agents depending on their employer. Both types of agents can handle insurance, but it's important to point out the subtle differences since it can affect the kind of agent you use.

Independent Agencies or Brokers

Independent insurance agents are not required to write business for one company so as a result can place your coverage with many different companies and find the cheapest insurance rates. If your premiums go up, your policy is moved internally which is easy for the insured.

If you need lower rates, we highly recommend that you check rates from a couple of independent agencies so that you can do a thorough price comparison.

Below is a short list of independent insurance agencies in San Jose who may be able to give you competitive price quotes.

543 W Capitol Expy - San Jose, CA 95136 - (408) 441-7777 - View Map

900 N 1st St E - San Jose, CA 95112 - (408) 292-2925 - View Map

1639 Meridian Ave a - San Jose, CA 95125 - (408) 286-4467 - View Map

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Exclusive Insurance Agencies

Exclusive agents can only provide one company's prices and examples are Farmers Insurance and State Farm. Exclusive agents are unable to provide other company's prices so always compare other rates. Exclusive insurance agents are usually quite knowledgeable on the products they sell which can be an advantage.

Below are San Jose exclusive agents who can help you get rate quotes.

478 E Santa Clara St #216 - San Jose, CA 95112 - (408) 293-7250 - View Map

1153 Redmond Ave Ste C - San Jose, CA 95120 - (408) 927-7526 - View Map

5615 Cottle Rd - San Jose, CA 95123 - (408) 365-7268 - View Map

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Choosing an insurance agent shouldn't rely on just the price. Any agent in San Jose should be willing to answer these questions.

  • Is every driver in your family covered?
  • Does the company use OEM repair parts?
  • Do they assist clients in filing claims?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Do they offer claims assistance after hours?

Find affordable rates by being thorough

You just read a lot of ways to find cheaper Scion tC insurance in San Jose. The key concept to understand is the more providers you compare, the better your chances of lowering your premium rates. You may even be surprised to find that the best car insurance rates are with an unexpected company. They may cover specific market segments cheaper compared to the large companies like State Farm and Allstate.

Cheaper auto insurance in San Jose can be found both online in addition to local insurance agencies, and you need to price shop both to have the best selection. There are still a few companies who don't offer online rate quotes and most of the time these small, regional companies only sell coverage through independent insurance agencies.

While you're price shopping online, it's very important that you do not buy poor coverage just to save money. In too many instances, someone sacrificed collision coverage only to regret at claim time that it was a big error on their part. Your goal is to buy a smart amount of coverage at the best possible price while not skimping on critical coverages.

More information can be found at the links below