Save Money on Scion xD Insurance in San Diego

Are you burned out from sacrificing other expenses each month for insurance? You are no different than many other California consumers.

It’s shocking but most California insurance customers have been with the same company for at least the last four years, and almost half have never compared rates from other carriers. U.S. insurance shoppers could save an average of up to 47% each year by just comparing quotes, but they mistakenly think it’s difficult to compare rate quotes online.

Multiple car insurance companies compete for your insurance dollar, so it can be very hard to choose a insurance company to get the lowest rate possible on Scion xD insurance in San Diego.

All major car insurance companies give coverage price quotes direct online. Obtaining pricing for Scion xD insurance in San Diego is fairly straightforward as all you need to do is type in the coverages you want on the page. When the form is submitted, their quoting system automatically retrieves your driving record and credit report and returns pricing information based on these and other factors. Using the web to get price quotes for Scion xD insurance in San Diego helps simplify price comparisons, and it’s very important to do this if you want to find lower-cost prices.

If you want to fill out one form to compare multiple rates now, check out the car insurance providers below. If you have your current policy handy, we recommend you replicate coverages and limits identical to your current policy. This guarantees you will be getting a rate comparison using the exact same coverages.

The companies shown below provide free rate quotes in San Diego, CA. If more than one company is shown, we recommend you visit several of them to get the best price comparison.

Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Price estimates do not factor in specific garaging location which can lower or raise price quotes noticeably.

An analysis of deductible level

One of the hardest decisions when shopping for auto insurance is what deductibles to buy. The rates below can help show the price difference when you buy lower versus higher insurance deductibles. The first rate table uses a $250 physical damage coverage deductible and the second set of prices uses a $500 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Premium amounts do not factor in zip code location which can change rates substantially.

Using the premium rates above, we can conclude that using a $250 deductible could cost the average driver approximately $16 more each month or $192 a year than choosing the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you have at a minimum 16 months between claims, you would probably be better off if you decide on a higher deductible.

One important issue to know is that raising deductibles means you pay more out-of-pocket if you have a claim. You must have enough money in the bank in order to pay the deductible for vehicle repair.

How much more does full coverage cost?

The chart below shows the difference between Scion xD annual premium costs with and without physical damage coverage. The premiums are based on no tickets, no at-fault accidents, $500 deductibles, single female driver, and no other discounts are factored in.

Should you be buying full coverage?

There is no written rule to delete comp and collision coverage, but there is a guideline you can use. If the annual cost of having full coverage is more than 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.

For example, let’s pretend your Scion xD book value is $8,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $7,000 after the policy deductible has been paid. If it’s costing you more than $700 annually for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are some circumstances where dropping physical damage coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

Choosing deductibles

The chart below shows how choosing a deductible and can influence Scion xD insurance prices for different categories of driver ages. The premium estimates are based on a married female driver, comp and collision included, and no discounts are applied to the premium.

Three main reasons to buy car insurance

Even though San Diego xD insurance rates can get expensive, insurance is not optional due to several reasons.

First, the majority of states have minimum liability requirements which means the state requires a specific level 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 your vehicle has a loan, it’s guaranteed your bank will force you to carry insurance to ensure loan repayment if the vehicle is totalled. If you default on your policy, the bank may buy a policy for your Scion for a much higher rate and make you pay for the expensive policy.

Third, car insurance protects your car and your assets. It will also provide coverage for medical expenses incurred in an accident. Liability insurance also covers legal expenses if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of insuring your xD outweigh the cost, specifically if you ever have a liability claim. In a recent study of 1,000 drivers, the average customer is wasting up to $830 a year so compare quotes from several companies at every policy renewal to make sure the price is not too high.

Save money with these premium slashing discounts

Not too many consumers would say insurance is affordable, but there could be significant discounts that you may not even be aware of. Certain reductions will be credited when you get a quote, but lesser-known reductions have to be asked for before you get the savings.

• Student in College – Children who are attending college and won’t have access to an insured vehicle could qualify for this discount.
• Claim-Free Discount – San Diego drivers who stay claim-free pay much less as compared to policyholders that have many claims.
• Discount for Swiching Early – Some insurance companies reward drivers for switching companies prior to your current xD insurance policy expiring. The savings is around 10%.
• Federal Government Employee – Employees or retirees of the government may reduce rates when you quote San Diego auto insurance with certain companies.
• Anti-lock Brakes – Vehicles that have anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
• Student Discounts – Performing well in school may save you up to 25%. You can use this discount normally up until you turn 25.
• Discounts for New Vehicles – Adding a new car to your policy can get you a discount compared to insuring an older model.
• Telematics Devices – Drivers who elect to allow driving data collection to look at driving manner by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they show good driving skills.
• Air Bag Discount – Vehicles with factory air bags or motorized seat belts can get savings as much as 30%.

You should keep in mind that most of the big mark downs will not be given to your bottom line cost. Some only reduce individual premiums such as medical payments or collision. So even though you would think all the discounts add up to a free policy, insurance companies aren’t that generous. Any qualifying discounts will positively reduce the amount you pay for coverage.

Companies and their possible discounts are outlined below.

• State Farm may include discounts for passive restraint, good driver, safe vehicle, good student, and multiple policy.
• Progressive may offer discounts for multi-vehicle, continuous coverage, good student, homeowner, and online quote discount.
• Travelers offers discounts for multi-policy, hybrid/electric vehicle, home ownership, multi-car, student away at school, continuous insurance, and save driver.
• American Family discounts include multi-vehicle, Steer into Savings, good student, good driver, and mySafetyValet.
• Liberty Mutual includes discounts for multi-policy, new graduate, newly retired, multi-car, teen driver discount, newly married, and hybrid vehicle.

Before purchasing a policy, check with every prospective company which discounts you qualify for. Depending on the company, some discounts might not be offered in your state. To view companies with discount rates in California, click here.

Shop online but buy locally

Some people prefer to visit with an insurance agent and often times that is recommended The biggest benefit of getting online price quotes is you can get lower auto insurance rates and still choose a local agent. Supporting neighborhood insurance agencies is still important in San Diego.

For easy comparison, once you complete this quick form, your insurance data is transmitted to insurance agents in San Diego who will give competitive quotes for your coverage. You don’t have to find an agent since rate quotes are delivered instantly to you. You can most likely find cheaper rates without a big time investment. In the event you want to get a comparison quote from a specific insurance company, you just need to search and find their rate quote page to submit a rate quote request.

If you are wanting to find a local insurance agency, you must know there are a couple types of agencies and how they work. Car insurance policy providers can either be independent agents or exclusive agents depending on their employer.

Independent Car Insurance Agencies

Agents in the independent channel are not locked into one company so they can insure your vehicles with any number of different companies and get the cheapest rates. If premiums increase, the business is moved internally and you don’t have to find a new agent. When comparing car insurance rates, we highly recommend that you compare prices from at least one independent agent to get the most accurate price comparison.

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

More insurance agents

Exclusive Insurance Agencies

Exclusive insurance agents can only quote rates from one company such as State Farm, Allstate and AAA. Exclusive agencies are unable to provide rate quotes from other companies so always compare other rates. Exclusive agencies are trained well on their company’s products and that enables them to sell even at higher rates.

Shown below are San Diego exclusive agents that are able to give comparison quotes.

More insurance agents

Picking an insurance agency requires more thought than just a cheap price quote. These are some questions you should get answers to.

• Can glass claims be handled at your home?
• Who is covered by the car insurance policy?
• Do you qualify for any additional discounts?
• Which company do they place the most coverage with?
• Do they write coverage based solely on cost?
• Do they have a Better Business Bureau rating in San Diego?
• Can you contact them at any time?
• Do the agents have professional certifications like CPCU or CIC?

There’s no such thing as the perfect car insurance policy

When it comes to insurance from an agent or online, there really isn’t a perfect coverage plan. Each situation is unique so your insurance should reflect that
For instance, these questions can aid in determining whether or not you could use an agent’s help.

• Is a driver training discount available?
• Do I need roadside assistance coverage?
• Can my teen drive my company car?
• Are my company tools covered if they get stolen?
• Will my Scion xD be repaired with OEM or aftermarket parts?
• Is my Scion xD covered if I use it for business?
• Does my personal policy cover me when driving out-of-state?
• Should I bundle my homeowners policy with my auto?
• Are all vehicle passengers covered by medical payments coverage?
• What is glass protection for?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Be persistent to save money

While you’re price shopping online, it’s a bad idea to skimp on coverage in order to save money. There are many occasions where consumers will sacrifice liability limits or collision coverage only to discover later they didn’t purchase enough coverage. Your goal is to purchase plenty of coverage at an affordable rate.

In this article, we presented many ways to find lower-cost Scion xD insurance in San Diego. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. You may even find the lowest priced car insurance comes from the least-expected company. Regional companies can often provide lower rates in certain areas compared to the large companies like Allstate and Progressive.

Helpful learning opportunities

• Frontal Crash Tests (iihs.org)
• Who Has Affordable San Diego Auto Insurance for a School Permit? (FAQ)
• How Much are Car Insurance Rates for a Toyota Camry in San Diego? (FAQ)
• How Much is Auto Insurance for Single Moms in San Diego? (FAQ)
• Who Has Cheap Car Insurance Rates for a Subaru Outback in San Diego? (FAQ)
• Who Has the Cheapest San Diego Car Insurance for High Risk Drivers? (FAQ)
• Who Has Cheap Auto Insurance Rates for Good Students in San Diego? (FAQ)
• Who Has Cheap Auto Insurance for a Toyota Corolla in San Diego? (FAQ)
• What is Covered by GAP Insurance? (Allstate)
• No-Fault Auto Insurance Statistics (Insurance Information Institute)
• Medical Payments Coverage (Liberty Mutual)