Best Ways to Save on Sacramento Scion xD Insurance

Being forced to pay for expensive insurance premiums can bottom out your monthly budget and put a big crunch on your finances.

Inconceivable but true, most drivers have purchased from the same company for four years or more, and roughly 40% of drivers have never compared quotes from other companies. California drivers could cut their rates by nearly 35% a year by just comparing quotes, but they don’t know how much money they would save if they bought a different policy. Due to the increasing number of companies and agents to choose from, it can be difficult for drivers to choose the lowest cost company.

Getting more affordable Scion xD car insurance pricing is not rocket science. All you need to do is invest a little time getting comparison quotes to find out which insurance company has the cheapest Scion xD rate quotes.

Comparing free rates online is easy and it, replaces the need to drive around to all the different Sacramento insurance agencies. Doing it all online eliminates the middleman unless you have a complicated situation and need the professional assistance of a local agency. Drivers can price shop online but have a local agent actually write the policy.

The companies shown below have been selected to offer comparison quotes in Sacramento, CA. If you wish to find the best cheap car insurance in Sacramento, we suggest you click on several of them to find the cheapest car insurance rates.

Three reasons auto insurance is important

Despite the potentially high cost of Scion xD insurance, insurance is not optional due to several reasons.

• Almost all states have mandatory liability insurance requirements which means you are required to buy a minimum amount of liability coverage if you don’t want to risk a ticket. 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.
• If you have a lien on your xD, it’s guaranteed your bank will make it mandatory that you have physical damage coverage to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the bank will be required to insure your Scion for a much higher rate and force you to pay for the expensive policy.
• Insurance protects not only your Scion xD but also your financial assets. It also can pay for most medical and hospital costs that are the result of an accident. Liability insurance, one of your policy coverages, will also pay to defend you if you are sued as the result of an accident. If your Scion gets damaged, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of carrying adequate insurance definitely exceed the cost, particularly for liability claims. In a recent study of 1,000 drivers, the average customer is overpaying more than $825 a year so you should quote and compare rates each time the policy renews to make sure the price is not too high.

Rates and statistics

The data table displayed below showcases a range of rate quotes for Scion xD models. Being more informed about how insurance premiums are determined can benefit drivers when making smart policy decisions.

Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Rate quotes do not factor in specific Sacramento garaging location which can increase or decrease premium rates substantially.

Raise deductibles and save

When comparing auto insurance rates, the most common question is what deductibles to buy. The rates below may aid in understanding the costs and benefits of buying low and high physical damage coverage deductibles. The first rate table uses a $100 deductible for physical damage and the second pricing table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Premium costs do not factor in specific Sacramento garaging location which can alter prices significantly.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you about $28 more each month or $336 every year averaged for all xD models than quoting the higher $500 deductible. Since you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you have at a minimum 14 months between claims, you would save more money by going with a higher deductible.

Careless driving habits raise auto insurance rates

The diagram below highlights how traffic violations and accidents increase Scion xD insurance rates for each age group. Data assumes a single female driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.

Get cheaper rates by getting discounts

Insuring your fleet can be pricey, but you might be missing out on some discounts that you may not even know about. Certain credits will be shown when you purchase, but once in a while a discount must be specially asked for before you get the savings.

• Telematics Devices – Insureds that choose to allow driving data collection to monitor driving manner by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if they exhibit good driving behavior.
• Government Employees – Employees or retirees of the government can save as much as 8% with some auto insurance companies.
• Passenger Safety Discount – Vehicles with factory air bags or automatic seat belts may qualify for discounts of up to 25% or more.
• Own a Home and Save – Simply owning a home can earn you a little savings since owning and maintaining a home is proof that your finances are in order.
• Early Renewal Discounts – Select insurance companies give a discount for buying a new policy early. It’s a savings of about 10%.
• Discounts for Safe Drivers – Insureds without accidents can pay as much as 50% less than their less cautious counterparts.
• Discounts for Multiple Vehicles – Insuring all your vehicles on one policy can get a discount for every vehicle.
• Discount for Life Insurance – Some auto insurance companies give better rates if you take out life insurance from them.
• Seat Belt Discounts – Drivers who require all occupants to use a seat belt can save up to 15% off the medical payments premium.

As a sidenote, most discounts do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, companies don’t profit that way.

The chart below visualizes the comparison of Scion xD auto insurance rates with and without some available policy discounts. Data assumes a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, homeowner, safe-driver, multi-policy, and multi-car discounts applied.

A list of companies and their offered discounts are outlined below.

• Farm Bureau policyholders can earn discounts including good student, safe driver, youthful driver, multi-policy, and driver training.
• MetLife offers discounts including defensive driver, good driver, multi-policy, good student, accident-free, and claim-free.
• Progressive may have discounts that include continuous coverage, multi-vehicle, good student, online signing, and online quote discount.
• AAA may offer discounts for anti-theft, education and occupation, pay-in-full, good driver, AAA membership discount, multi-car, and good student.
• American Family includes discounts for multi-vehicle, bundled insurance, early bird, good student, mySafetyValet, and TimeAway discount.
• GEICO has savings for defensive driver, driver training, multi-policy, military active duty, and anti-theft.
• State Farm has discounts for safe vehicle, good driver, driver’s education, Drive Safe & Save, multiple policy, and defensive driving training.

If you need lower rates, check with every prospective company which discounts can lower your rates. A few discounts might not apply in your area. To see a list of auto insurance companies with significant discounts in California, click here.

Can’t I compare rate quotes from local Sacramento insurance agencies?

Some people would rather have an agent’s advice and doing that can be a smart decision Professional insurance agents can help you build your policy and help submit paperwork. One of the great benefits of comparing auto insurance online is that drivers can save money and get cheap auto insurance quotes and still choose a local agent.

Once you complete this short form, your information gets sent to companies in Sacramento that can give you free Sacramento car insurance quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to do any legwork because quoted prices will be sent to the email address you provide. If you wish to get a rate quote for a specific company, don’t hesitate to find their quoting web page and fill out the quote form the provide.

Picking the best company is decision based upon more than just a cheap quote. These are some questions you should get answers to.

• Does the quote include credit and driving reports?
• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
• Do they offer claims assistance after hours?
• How long has their agency been open in Sacramento?
• Does the company have a solid financial rating?

If you want to use a good insurance agency, it’s helpful to know the different types of agents and how they can quote your rates. Agencies in Sacramento are categorized either exclusive or independent (non-exclusive). Both types of agents can write policy coverage, but we need to point out how they are different since it can impact your agent selection.

Exclusive Auto Insurance Agencies

These type of agents work for only one company like Farmers Insurance, State Farm, or Allstate. They usually cannot compare rates from other companies so it’s a take it or leave it situation. Exclusive insurance agents receive a lot of sales training on their company’s products and that allows them to sell at a higher price point.

The following are Sacramento exclusive insurance agents that can give you price quote information.

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Independent Agents

Independent agents are normally appointed by many insurers and that gives them the ability to insure with any number of different companies and find the cheapest rate. If your agent finds better pricing, an independent agent can move your coverage which requires no work on your part. When comparing rate quotes, you definitely need to check rates from several independent agencies to get the most accurate price comparison.

Shown below is a list of independent agents in Sacramento who can help you get price quotes.

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When should I discuss my situation with an agent?

When it comes to choosing proper insurance coverage, there really isn’t a perfect coverage plan. Every insured’s situation is different so your insurance needs to address that.
These are some specific questions may help highlight if your insurance needs would benefit from an agent’s advice.

• Do I need rental car coverage?
• Will I be non-renewed for getting a DUI or other conviction?
• Should I rate my Scion xD as pleasure use or commute?
• Can my babysitter drive my car?
• Why do I have to buy liability insurance?
• Is my trailer covered?
• Is my nanny covered when transporting my kids?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Cheaper insurance premiums are out there

Cost effective Scion xD insurance is available online in addition to many Sacramento insurance agents, so get free Sacramento car insurance quotes from both of them in order to have the best chance of saving money. There are still a few companies who may not have price quotes online and usually these regional carriers only sell coverage through independent agencies.

We just covered some good ideas how you can shop for Scion xD insurance online. It’s most important to understand that the more price quotes you have, the higher your chance of finding affordable Scion xD insurance quotes. Drivers may even discover the best price on insurance is with an unexpected company. Smaller companies may cover specific market segments cheaper than their larger competitors like Allstate, GEICO and Progressive.

How to buy affordable Scion xD insurance in Sacramento

Really, the only way to get the cheapest car insurance rates is to annually compare prices from companies who can sell car insurance in Sacramento. Rates can be compared by completing these steps.

First, take a little time to learn about how insurance companies determine prices and the measures you can take to keep rates low. Many things that cause high rates such as accidents, traffic tickets, and a poor credit rating can be controlled by being financially responsible and driving safely.

Second, request rate estimates from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from a single company like Progressive or State Farm, while independent agents can quote rates for many different companies.

Third, compare the price quotes to your existing rates to see if switching to a new carrier will save money. If you find better rates and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

One thing to point out is to use the same liability limits and deductibles on every quote request and and to get rate quotes from as many companies as possible. Doing this enables a fair price comparison and the best rate selection.

Helpful articles

• Shopping for a Safe Car (Insurance Information Institute)
• What Auto Insurance is Cheapest for Drivers with Bad Credit in Sacramento? (FAQ)
• Who Has Affordable Car Insurance Rates for a Dodge Journey in Sacramento? (FAQ)
• What is the Best Auto Insurance in Sacramento, CA? (FAQ)
• Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
• Winter Driving (Insurance Information Institute)