Car Insurance Quotes for a Scion tC in San Francisco

Insurance quote for Scion tC in San FranciscoStatistics show that nearly 70% of consumers renewed their policy with the same company for more than four years, and approximately 40% of consumers have never compared quotes from other companies. U.S. drivers could save an average of roughly $859 each year, but they just don’t want to compare other rate quotes.

It takes a little time, but the best way to get the cheapest car insurance rates in San Francisco is to compare quotes once a year from different companies that sell auto insurance in California.

A valuable tip to remember is to compare the same deductibles and limits on each price quote and to quote with as many companies as you can. This provides a fair rate comparison and many rates to choose from.

If you are paying for car insurance now, you stand a good chance to be able to cut your premiums using the techniques covered below. Locating the best insurance company for you in San Francisco is much easier if you have a good place to start. But California drivers do need to understand the methods companies use to determine premium rates because rates fluctuate considerably.

The majority of larger companies allow consumers to get price estimates direct online. Getting online rates for Scion tC insurance in San Francisco is possible for anyone because it’s just a matter of typing in the amount of coverage you want into a form. When the form is submitted, their system will obtain your credit score and driving record and returns pricing information based on many factors. Using the web to get price quotes for Scion tC insurance in San Francisco simplifies rate comparisons, and it is important to get many rate quotes in order to find cheaper auto insurance pricing.

If you want to compare rates using this form now, take a look at the companies shown below. If you have a policy now, it’s recommended you type in the coverage information identical to your current policy. This guarantees you will get an apples-to-apples comparison for exact coverage.

The companies shown below offer free rate quotes in San Francisco, CA. If the list has multiple companies, it’s highly recommended you get rates from several of them to get the cheapest price.

Car insurance protects more than just your car

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

The benefits of having car insurance more than cancel out the cost, particularly when you have a large claim. According to a recent study, the average American driver is overpaying more than $855 a year so you should quote and compare rates at least once a year to ensure rates are inline.

Rate information and statistics

The coverage table shown next covers estimates of rate quotes for Scion tC models. Learning how premiums are determined can help you make smart choices when selecting a coverage provider.

Scion tC Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TC 2-Dr Hatchback $372 $1072 $668 $40 $200 $2,352 $196
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Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Price information does not factor in garaging location in San Francisco which can change auto insurance rates significantly.

Where to set your deductibles

One of the hardest decisions when shopping for auto insurance is the level to set your comp and collision deductibles. The comparison tables below illustrate the costs and benefits when you choose different coverage deductibles. The first table uses a $250 deductible for physical damage and the second rate chart uses a $500 deductible.

Scion tC insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TC 2-Dr Hatchback $342 $780 $552 $32 $166 $1,897 $158
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Scion tC insurance 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
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Rates do not factor in the specific area where the vehicle is garaged which can affect coverage rates greatly.

Based on these figures, using a $250 deductible will cost you approximately $20 more each month or $240 every year than quoting the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you go more than 13 months between claim filings, you would save more money if you elect the higher deductible. The illustration below shows a better example of how you can do this calculation yourself.

Average monthly premium for $250 deductibles: $158
Average monthly premium for $500 deductibles (subtract): – $138
Monthly savings from raising deductible: $20
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $20
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

An important thing to remember is that raising deductibles to get cheaper rates means you will have to cover more of the damage yourself when you file a claim. That will force you to have some extra savings in the event you have to pay the deductible to have repairs made.

Impact of violations and accidents on rates

The information below demonstrates how traffic citations and at-fault claims can impact Scion tC insurance costs for different ages of insureds. The data assumes a single male driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.

Cost comparison with and without full coverage

The chart below shows the comparison of Scion tC insurance premiums with full physical damage coverage compared to only buying the minimum liability limits required in California. The rate quotes are based on no violations or claims, $1,000 deductibles, marital status is single, and no policy discounts are applied.

Deciding between full coverage and liability only

There is no definitive guideline for phasing out full coverage, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your Scion tC settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $2,000 after the policy deductible has been paid. If premiums are more than $200 annually for your policy with full coverage, then it’s probably a good time to buy liability coverage only.

There are some cases where dropping physical damage coverage is not recommended. If you haven’t satisfied your loan, you have to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.

Check for these rate reducing discounts

Car insurance companies don’t necessarily list all possible discounts in a way that’s easy to find, so below is a list both well-publicized and also the lesser-known ways to save on insurance.Discount insurance

Policy discounts save money, but some of the credits will not apply to the whole policy. A few only apply to the price of certain insurance coverages like medical payments or collision. So even though you would think all the discounts add up to a free policy, it doesn’t quite work that way.

The chart below compares Scion tC insurance rates with and without discounts applied to the premium. The rates are based on a female driver, no accidents or 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 homeowner, marriage, multi-car, multi-policy, claim-free, and safe-driver discounts applied.

Large insurance companies and a summarized list of policyholder discounts can be found below.

When getting a coverage quote, ask every prospective company which discounts they offer. Depending on the company, some discounts might not apply in your area.