Want more competitive insurance rates in Los Angeles, CA? Los Angeles consumers have a choice when looking for the best price on Scion xB insurance. They can either waste time struggling with agents to get rate comparisons or use the internet to make rate comparisons. There are more efficient ways to shop for insurance so you’re going to learn the best way to price shop coverage for a new or used Scion and find the best price possible from both online companies and Los Angeles agents.
It’s a good habit to compare rates yearly because insurance rates are usually higher with each renewal. If you had the best deal on Scion xB insurance in Los Angeles on your last policy there is a good chance you can find better prices now. Ignore everything you know about insurance because you’re going to get a crash course in how to use the internet to save on insurance.
If you already have coverage or are looking for a new policy, you can follow these tips to lower your rates and still get good coverage. This information will instruct you on how to get online quotes. You just have to know the best way to compare company rates from many different companies online.
Cheapest companies for Scion xB insurance
The following companies can provide quotes in California. If multiple providers are shown, we suggest you visit as many as you can in order to get a fair rate comparison.
Premium rates and analysis
The price information displayed below showcases a range of rate quotes for Scion xB models. Learning as much as possible about how auto insurance prices are formulated is important to be able to make informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XB 2WD | $278 | $382 | $442 | $26 | $132 | $1,260 | $105 |
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Rate information does not factor in specific Los Angeles garaging location which can change coverage rates considerably.
Rate comparison for different deductibles
One of the hardest decisions when shopping for insurance is which deductible level should you buy. The premium rates below outline the rate fluctuation between high and low deductibles. The first data set uses a $100 physical damage coverage deductible and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XB 2WD | $380 | $564 | $442 | $26 | $132 | $1,569 | $131 |
| Get Your Own Customized Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XB 2WD | $210 | $298 | $442 | $26 | $132 | $1,108 | $92 |
| Get Your Own Customized Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Estimates do not factor in specific zip code location which can decrease or increase premiums greatly.
Based on this data, using a $100 deductible costs approximately $39 more each month or $468 every year than quoting the higher $1,000 deductible. Because you would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 23 months between claim filings, you would save money by selecting a higher deductible. Here is a better example of how you can come to your own conclusion.
| Average monthly premium for $100 deductibles: | $131 |
| Average monthly premium for $1,000 deductibles (subtract): | – $92 |
| Monthly savings from raising deductible: | $39 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $39 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 23 months |
Careless driving habits raise insurance rates
The illustration below shows how traffic citations and accidents drive up Scion xB premium costs for each different age category. The data is based on a married female driver, comp and collision included, $100 deductibles, and no discounts are applied.
Take policy discounts and save on Scion xB insurance in Los Angeles
Auto insurance companies don’t necessarily list every possible discount very clearly, so the following list contains some of the more common and also the lesser-known discounts that you may qualify for.
- Drivers Ed for Students – Teen drivers should enroll and complete driver’s education in high school.
- Multi-policy Discount – If you combine your home and auto policies with the same company you may save at least 10% off all policies.
- Savings for New Vehicles – Buying a new car instead of a used xB is cheaper because newer models have to meet stringent safety requirements.
- Claim Free – Drivers who don’t have accidents can save substantially compared to insureds who have frequent claims or accidents.
- Low Miles Discount – Fewer annual miles on your Scion could qualify for better prices on cars that stay parked.
A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like liability and collision coverage. Despite the appearance that it’s possible to get free car insurance, company stockholders wouldn’t be very happy.
The information below shows the difference between Scion xB insurance rates with and without discounts being applied to the rates. The prices are based on a female driver, no accidents, no driving violations, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, safe-driver, homeowner, marriage, and multi-car discounts applied.
Some of the larger companies that may have some of the above discounts include:
Double check with every prospective company what discounts are available to you. Discounts may not apply to policies in every state. To view insurers that offer some of these discounts in California, follow this link.
Insurance can be complex
When it comes to adequate coverage for your vehicles, there really is no single plan that fits everyone. Each situation is unique.
For instance, these questions might help in determining if your insurance needs might need an agent’s assistance.
- What is the ISO rating for a Scion xB?
- Am I covered if I back into my garage door?
- Can I still get insurance after a DUI?
- Do they offer discounts for home and auto coverage?
- Do I pay less for low miles?
- Can I insure my car for more than it’s worth?
- How many claims can I have before being canceled?
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 a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.
Auto insurance is available from local agents
A lot of people prefer to buy from a local agent and that is not a bad decision Experienced insurance agents can help determine the best coverages and help submit paperwork. The biggest benefit of comparing rates online is that drivers can save money and get better rates and still choose a local agent.
To make it easy to find an agent, after completing this form (opens in new window), the coverage information is instantly submitted to companies in Los Angeles who will give you quotes and help you find cheaper coverage. You don’t have to contact any agents since rate quotes are delivered to you. If you wish to get a price quote from a particular provider, just navigate to their website and fill out their quote form.
Picking an company shouldn’t rely on just the bottom line cost. Here are some questions you should ask.
- Do they see any coverage gaps in your plan?
- Is the agent and/or agency licensed to do business in California?
- Are they able to provide referrals?
- How long has their agency been open in Los Angeles?
- Is there a 24/7 contact number?
- Do they assist clients in filing claims?
Compare rates regularly to save
When getting Los Angeles auto insurance quotes online, it’s a bad idea to skimp on coverage in order to save money. There are too many instances where an insured cut comprehensive coverage or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. The goal is to purchase plenty of coverage for the lowest cost while still protecting your assets.
Budget-friendly insurance in Los Angeles can be bought on the web as well as from insurance agents, and you need to price shop both in order to have the best chance of saving money. Some companies don’t offer rates over the internet and most of the time these small insurance companies provide coverage only through independent insurance agents.
Insureds change insurance companies for many reasons like delays in paying claims, lack of trust in their agent, questionable increases in premium and high rates after DUI convictions. It doesn’t matter what your reason, finding a new company can be pretty painless.
To read more, link through to the resources below:
- Insuring a Leased Car (Insurance Information Institute)
- Who Has Cheap Los Angeles Car Insurance Quotes for Lyft Drivers? (FAQ)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Distracted Driving Statistics (Insurance Information Institute)