Cheapest Scion xD Insurance in San Francisco

Insurance for Scion xDWant to learn how to save money and find more competitive Scion xD insurance in San Francisco? Searching for low-cost insurance for your Scion xD in California can be a lot of work, but you can learn these tips and make it easy. There are more efficient ways to buy auto insurance so we’re going to tell you the best way to compare rates for a Scion and find the lowest possible price from both online companies and San Francisco agents.

Insurance statistics and figures

The rate information shown next covers detailed analysis of prices for Scion xD models. Having knowledge of how rate quotes are formulated can help customers make informed decisions when comparing rate quotes.

Scion xD Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XD 4-Dr Hatchback $242 $464 $442 $26 $132 $1,306 $109
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Price information does not factor in zip code location which can impact premium rates noticeably.

Higher deductibles save money

One of the most common insurance questions is what deductibles to buy. The data tables below highlight how much more rates are between high and low physical damage coverage deductibles. The first data set uses a $100 deductible for physical damage and the second price grid uses a $500 deductible.

Scion xD insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XD 4-Dr Hatchback $332 $686 $442 $26 $132 $1,643 $137
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Scion xD insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XD 4-Dr Hatchback $242 $464 $442 $26 $132 $1,306 $109
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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 safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Premium costs do not factor in your specific San Francisco location which can impact coverage rates considerably.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you approximately $28 more each month or $336 annually than buying the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you usually have more than 14 months between claims, you would save money if you opt for a higher deductible.

Driving violations and accidents

The chart below highlights how traffic violations and accidents drive up Scion xD auto insurance costs for different age categories. The data is based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.

Full coverage or liability only

The example below shows the comparison of Scion xD car insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums assume no accidents, no driving violations, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.

When to eliminate full coverage

There is no exact formula for eliminating full coverage, but there is a guideline you can consider. If the yearly cost of full coverage is 10% or more of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s assume your Scion xD replacement cost is $5,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $4,000 after paying your policy deductible. If it’s costing you more than $400 a year for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.

There are some situations where removing full coverage is not a good idea. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should keep full coverage on your policy.

Cut Insurance Costs with These Tips

Lots of factors are taken into consideration when quoting car insurance. Some are obvious like your driving record, but other criteria are more obscure such as your credit history and annual miles driven.

The list below includes a few of the “ingredients” used by companies to determine your rates.

Type of vehicle determines base costs – The make and model of the car you own makes a substantial difference in your rates. The cheapest insurance rates will generally be found on the lowest performance passenger cars, but many other things help determine your insurance rates.

The following chart uses these variables: single male driver age 50, full coverage with $100 deductibles, and no discounts or violations. The chart compares Scion xD insurance rates compared to other models that have a range of risk factors.

Advanced alarms and GPS tracking – Purchasing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft.

Premiums are high for teenagers – Young drivers in California have a tendency to be more careless behind the wheel so they pay higher auto insurance rates. Parents adding a youthful driver to your policy can be very expensive. Older, more experienced drivers are shown to be more cautious, tend to file fewer claims, and receive fewer citations.

The following chart uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.

Pay more out-of-pocket – Comprehensive and collision coverage deductibles are how much you are required to pay if a claim is determined to be covered. Protection for physical damage, aka comp and collision, covers damage that occurs to your car. Some coverage claims are rear-ending another vehicle, hail damage, and damage from wind. The more expense you choose to pay out-of-pocket, the better rate you will receive.

Multiple policies with one company – Many auto insurance companies will give lower prices to policyholders who consolidate policies with them such as combining an auto and homeowners policy. Even if you’re getting this discount consumers should still comparison shop to help ensure you have the lowest rates.

Do you save by driving less? – The higher the miles on your Scion in a year’s time the more you’ll pay to insure your vehicle. Many insurance companies charge rates based upon how much you drive. Cars and trucks that are left in the garage receive lower rates than vehicles that have high annual mileage. It’s a smart idea to ensure your auto insurance policy properly reflects the correct usage. Improper usage on your xD can result in significantly higher rates.

Occupation reflects on rates – Occupations such as fire fighters, police officers, and financial analysts generally have higher rates than average attributed to high stress levels and incredibly demanding work hours. On the other hand, careers such as scientists, historians and performers get better rates.

Pay less with a high NHTSA crash test rating – Safer cars tend to be cheaper to insure. Vehicles engineered for safety have better occupant injury protection and lower injury rates means lower claim amounts which can result in lower premiums. If your Scion scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.

More effort can pay off

When buying insurance coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced physical damage coverage and found out when filing a claim that it was a big mistake. Your goal is to purchase plenty of coverage at the lowest possible cost but still have enough coverage for asset protection.

Consumers leave their current company for any number of reasons including poor customer service, not issuing a premium refund, being labeled a high risk driver or even high rates after DUI convictions. No matter why you want to switch, finding a great new company can be pretty painless.

Cheaper Scion xD insurance in San Francisco is possible both online as well as from insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers don’t offer the ability to get a quote online and usually these smaller companies prefer to sell through independent agencies.

How to save on Scion xD insurance in San Francisco

It takes a few minutes, but the best way to find affordable quotes for Scion xD insurance in San Francisco is to regularly compare prices from insurers who provide auto insurance in California. Drivers can shop around by following these steps.

First, spend some time learning about the coverage provided by your policy and the things you can control to prevent rate increases. Many policy risk factors that result in higher prices such as at-fault accidents, careless driving, and poor credit history can be rectified by paying attention to minor details.

Second, compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from one company like GEICO and State Farm, while agents who are independent can quote prices for many different companies.

Third, compare the new rates to your existing coverage to see if switching to a new carrier will save money. If you find better rates and change companies, ensure coverage does not lapse between policies.

Fourth, provide notification to your current company of your intent to cancel your existing policy. Submit a completed policy application and payment to the new insurer. Once the paperwork is finalized, keep your new certificate of insurance with your vehicle’s registration.

An important part of this process is to make sure you enter identical coverages on every price quote and and to compare as many companies as you can. This provides a fair price comparison and a good representation of prices.

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