Truthfully, the best way to get cheaper Scion xB insurance in Chula Vista is to start comparing rates regularly from companies in California. Rate comparisons can be done by following these guidelines.
- Step 1: Try to understand coverages and the steps you can take to prevent high rates. Many rating criteria that drive up the price such as traffic tickets, fender benders, and an unacceptable credit rating can be controlled by making minor changes to your lifestyle.
- Step 2: Request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from a single company like GEICO and State Farm, while independent agents can provide price quotes from multiple sources.
- Step 3: Compare the new rate quotes to the price on your current policy and see if there is a cheaper rate. If you can save money and switch companies, make sure coverage is continuous and does not lapse.
- Step 4: Give notification to your current company of your intention to cancel your current coverage. Submit the required down payment along with the signed application for the new coverage. Once the paperwork is finalized, store the proof of insurance certificate in your glove compartment.
An essential thing to point out is to use identical coverages on each price quote and and to get prices from as many different insurance providers as possible. Doing this ensures an apples-to-apples comparison and a better comparison of the market.
It goes without saying that insurance companies don’t want policyholders to compare prices from other companies. Consumers who get comparison quotes once a year will most likely switch insurance companies because there is a high probability of finding coverage at a more affordable price. Remarkably, a study showed that consumers who compared rates regularly saved on average $850 each year compared to policyholders who never compared other company’s rates.
If finding the lowest rates on car insurance is your objective, then learning about how to shop and compare car insurance can help make the process easier.
Most of the larger companies like State Farm and Allstate provide coverage prices online. Getting quotes for Scion xB insurance in Chula Vista is quite easy as you simply enter your coverage information on the page. After you submit the form the company’s rating system gets information on your driving record and credit history and returns pricing information.
Getting online price quotes for Scion xB insurance in Chula Vista simplifies rate comparisons, and it’s necessary to perform this step if you want to get a better rate.
To get comparison pricing now, visit the companies below or click here to submit a quote request to multiple companies at once. If you currently have coverage, we recommend you input coverages and limits identical to your current policy. Doing this guarantees you will get a price comparison using the exact same coverages.
The companies shown below are our best choices to provide comparison quotes in Chula Vista, CA. In order to find the cheapest car insurance in Chula Vista, CA, we suggest you compare several of them to find the most competitive car insurance rates.
Scion xB insurance coverage information
The rate information shown below covers estimates of insurance policy prices for Scion xB models. Learning more about how auto insurance premiums are figured can assist in making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XB 2WD | $294 | $488 | $500 | $30 | $150 | $1,462 | $122 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Table data does not factor in the specific area where the vehicle is garaged which can impact insurance rates noticeably.
Car insurance deductibles
One of the more difficult decisions when buying car insurance is at what level do you set your deductibles. The rates below outline the differences in premium rates when you select higher and lower insurance deductibles. The first rate comparisons uses a $100 comprehensive and collision deductible and the second set of prices 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 Custom 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 Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Table data does not factor in specific location information which can lower or raise price quotes noticeably.
Using the premium rates above, we can conclude that using a $100 deductible costs roughly $39 more each month or $468 every year than selecting the higher $1,000 deductible. Since you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at a minimum 23 months between claims, you would save money by selecting a higher deductible. The numbers below show the way you can do this calculation yourself.
| 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 |
One thing to note is that higher deductibles means you will have to pay more out-of-pocket when you have to file a claim. That will require enough money stashed away in the event you have to pay the higher deductible in order to repair your vehicle.
The example below demonstrates how deductible levels and can influence Scion xB premium costs for each different age group. The premiums assume a single female driver, full coverage, and no policy discounts are applied.
Car insurance cost for men versus women
The illustration below illustrates the comparison of Scion xB insurance premiums for male and female drivers. The information is based on no claims or driving violations, full physical damage coverage, $250 deductibles, single marital status, and no other discounts are factored in.
Scion xB liability rates compared to full coverage
The chart below shows the comparison of Scion xB insurance costs when comparing full coverage to state minimum liability only. The information is based on no claims or driving citations, $1,000 deductibles, single status, and no discounts are applied.
When to stop buying physical damage coverage
There is no specific rule to stop buying full coverage on your policy, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.
For example, let’s assume your Scion xB claim settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $2,000 after you pay the deductible. If you are paying over $200 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
There are some conditions where eliminating full coverage is not a good idea. If you still have a loan on your vehicle, you have to carry full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.
Choosing the best Scion vehicle insurance in California is an important decision
Despite the high cost, maintaining insurance serves several important purposes.
First, most states have minimum liability requirements which means state laws require a minimum amount of liability insurance in order to license the vehicle. 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 car, almost every bank will make it mandatory that you have full coverage to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the bank may buy a policy for your Scion at a much higher premium rate and force you to pay much more than you were paying before.
Third, car insurance preserves not only your vehicle but also your assets. It also can pay for all forms of medical expenses that are the result of an accident. Liability insurance, one of your policy coverages, also pays for attorney fees and expenses in the event you 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 carrying adequate insurance are definitely more than the cost, particularly if you ever have a claim. But the average driver in California is wasting up to $700 annually so it’s recommended you shop around once a year at a minimum to be sure current rates are still competitive.
Six Tips to Get More Affordable Chula Vista Insurance Premiums
When buying insurance it’s important to understand the factors that aid in calculating insurance rates. If you have some idea of what influences your rates, this allows you to make educated decisions that could result in much lower annual insurance costs. Lots of things are taken into consideration when you get your auto insurance bill. Some factors are common sense such as traffic violations, but other factors are not quite as obvious like your vehicle usage and annual miles driven.
Single vs. married – Having a wife or husband may cut your premiums when buying insurance. Having a spouse translates into being more financially stable and insurance companies like that married drivers get in fewer accidents.
Pay more for higher performance vehicles – The performance level of the car or truck you need insurance for makes a big difference in how high your rates are. The cheapest insurance rates are for small economy passenger cars, but your final cost has many other factors.
The following data assumes a married female driver age 50, full coverage with $1000 deductibles, and no discounts or violations. It illustrates Scion xB rates compared to other models of vehicles that have a range of performance rating factors.
Save money by eliminating incidental coverages – There are quite a few extra coverages that can add up on your xB policy. Add-on coverages like rental car coverage, high-cost glass coverage, and term life insurance may not be needed and are just wasting money. They may sound like good ideas when buying your policy, but if you have no use for them eliminate them to save money.
Teen drivers pay high costs – Youthful drivers in California have a tendency to be careless and easily distracted when driving and because of this, their insurance rates are much higher. Older, more experienced drivers tend to be more responsible, cost insurance companies less in claims, and tend to be get fewer driving tickets.
The data below is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.
Commute or pleasure use – The more miles you rack up on your Scion in a year the more you’ll pay to insure your vehicle. Many insurance companies charge to insure your cars based upon how you use the vehicle. Vehicles not used for work or commuting receive lower rates than vehicles that have high annual mileage. Having the wrong rating on your xB can result in significantly higher rates. Verify your insurance policy states the correct usage for each vehicle, because improper ratings can cost you money.
An active policy claims history can cost more – Companies in California award the lowest premiums to insureds that do not abuse their auto insurance. If you tend to file frequent claims, you can expect higher premiums or even policy non-renewal. Your car insurance is designed for the large, substantial claims.
Loss probability for a Scion xB – Auto insurance companies use data from past claims to determine a rate that will be profitable for them. Vehicles that the data determines to have increased claim numbers or amounts will cost more to insure. The information below illustrates the loss history for Scion xB vehicles.
For each coverage type, the loss probability for all vehicles, regardless of make or model, is a value of 100. Values that are below 100 indicate a favorable loss history, while percentage numbers above 100 indicate higher probability of having a loss or an increased probability of a larger loss.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Scion xB | 86 | 92 | 89 | 148 | 127 | 116 |
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
When to get professional advice
When quoting and comparing coverage online or from an agent for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique and your auto insurance should be unique as well.
These are some specific questions might help in determining whether you may require specific advice.
- Am I covered by my spouse’s policy after a separation?
- When should I drop full coverage on my Scion xB?
- If I drive on a suspended license am I covered?
- How high should my uninsured/underinsured coverage be in California?
- Which companies will insure me after a DUI?
- Does my Scion xB qualify for pleasure use?
- Is pet coverage available?
- What does roadside assistance cover?
If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.
Cheaper insurance is a realistic goal
When shopping online for insurance, you should never buy lower coverage limits just to save a few bucks. In many cases, an insured dropped liability coverage limits and learned later that it was a big error on their part. Your goal should be to buy the best coverage you can find at the best cost but still have enough coverage for asset protection.
We’ve covered a lot of ways to find lower-cost Scion xB insurance in Chula Vista. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. Consumers may even find the best prices are with an unexpected company. These companies may often insure only within specific states and give better rates than the large multi-state companies such as Allstate, GEICO and Progressive.
More tips and info about insurance can be found by following these links:
- Comprehensive Coverage (Liberty Mutual)
- How Much are Auto Insurance Quotes for a Nissan Sentra in Chula Vista? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a GMC Sierra in Chula Vista? (FAQ)
- What Car Insurance is Cheapest for Real Estate Agents in Chula Vista? (FAQ)
- Who Has Cheap Car Insurance Quotes After a Speeding Ticket in Chula Vista? (FAQ)
- Who Has Cheap Chula Vista Auto Insurance Quotes for Good Drivers? (FAQ)
- Keeping Children Safe in Crashes Video (iihs.org)
- Auto Insurance 101 (About.com)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Side Impact Crash Tests (iihs.org)