Has it been a year or more since you last compared quotes for the cheapest Scion xB insurance in Phoenix? Searching for low-cost insurance for a Scion xB in Arizona can normally be a lot of work, but you can use these tips to save time. There is a better way to shop for car insurance so we’re going to tell you the proper way to compare rates for a Scion and get the best price possible from Phoenix insurance agents and online providers.
If you have insurance now or are shopping for new coverage, you can use these techniques to get lower rates and still get good coverage. Comparing rates for cheaper insurance in Phoenix is actually quite simple. You just have to know how to find the lowest price instantly.
Discounts can help save money on Scion xB insurance in Phoenix
Insuring your vehicles can cost a lot, but there could be significant discounts that you may not even know about. A few discounts will be applied at the time you complete a quote, but lesser-known reductions have to be specially asked for prior to getting the savings.
- More Vehicles More Savings – Drivers who insure more than one vehicle on a single policy qualifies for this discount.
- Low Mileage Discounts – Low annual miles may enable drivers to earn cheaper premium rates.
- Switch and Save Discount – A few auto insurance companies give discounts for switching policies before your current coverage expires. This discount can save up to 10%.
- Mature Driver Discount – If you’re over the age of 55, you can possibly qualify for better auto insurance rates.
- Braking Control Discount – Cars with anti-lock braking systems prevent accidents and earn discounts up to 10%.
- Early Payment Discounts – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
- Government Employee Discount – Employees or retirees of the government could cut as much as 10% off with certain companies.
Don’t be shocked that most of the big mark downs will not be given to the whole policy. Most only cut the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like it’s possible to get free car insurance, nobody gets a free ride. But any discount will positively reduce your auto insurance premiums.
Some of the larger companies that may offer quotes with these discounts include:
If you need lower rates, check with each insurance company how many discounts you can get. Depending on the company, some discounts might not apply in your area. If you would like to view companies that offer some of these discounts in Arizona, follow this link.
The companies shown below can provide comparison quotes in Phoenix, AZ. If several companies are displayed, it’s highly recommended you click on several of them to find the most affordable auto insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XB 2WD | $130 | $186 | $308 | $18 | $92 | $734 | $61 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Rate quotes do not factor in the specific area where the vehicle is garaged which can increase or decrease coverage rates considerably.
Higher deductibles save money
The chart below illustrates how your choice of deductibles and can impact Scion xB insurance rates for each different age category. The premiums are based on a single female driver, comprehensive and collision coverage, and no discounts are applied.
Does it make sense to buy full coverage?
The chart below visualizes the comparison of Scion xB yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rate quotes are based on no claims or violations, $250 deductibles, single female driver, and no discounts are applied.
When to stop buying comprehensive and collision coverage
There is no written rule of when to drop comp and collision coverage, but there is a guideline you can use. If the annual cost of having full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
For example, let’s assume your Scion xB replacement cost is $8,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $7,000 after paying your policy deductible. If it’s costing you more than $700 a year for full coverage, then it could be time to drop full coverage.
There are some scenarios where dropping full coverage is not advised. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should maintain full coverage.
Don’t assume everyone needs the same insurance coverage
When it comes to the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed.
Here are some questions about coverages that might point out if your situation would benefit from professional advice.
- Will I lose any money if I cancel my policy before it expires?
- Are rock chip repairs covered?
- How much liability coverage do I need in Arizona?
- Is upholstery damage covered by car insurance?
- Why does it cost so much to insure a teen driver in Phoenix?
- Does having multiple vehicles earn me a discount?
If you’re not sure about those questions, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.
Car insurance quotes from neighborhood Phoenix auto insurance agents
Many people just prefer to talk to an insurance agent. Professional agents will help you protect your assets and help file insurance claims. One of the benefits of comparing rates online is you may find cheaper auto insurance rates and still buy from a local agent.
Upon completion of this short form, the quote information is transmitted to insurance agents in Phoenix who will give you quotes for your business. You don’t have to search for any insurance agencies since rate quotes are delivered to you. If for some reason you want to compare rates from a specific company, you would need to go to their quote page and complete a quote there.
Finding the right insurance company requires more thought than just a cheap price quote. Here are some questions you should ask.
- Can they provide you with a list of referrals?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- What will you get paid if your car is a total loss? How is that amount determined?
- Does the quote include credit and driving reports?
If you are wanting to purchase car insurance from a good insurance agency, it’s helpful to know the different types of agents and how they function. Agencies in Phoenix may be either independent agents or exclusive agents depending on their employer. Either type can write policy coverage, but it’s a good idea to understand the difference in the companies they write for since it may influence which agent you choose.
Exclusive Car Insurance Agents
These type of agents can only provide pricing for a single company and some examples include State Farm or Allstate. Exclusive agencies are unable to provide other company’s prices so it’s a take it or leave it situation. Exclusive agencies are usually well trained on what they offer which can be an advantage. Consumers often buy from exclusive agents primarily because of the brand legacy and strong financial ratings.
The following is a list of exclusive agencies in Phoenix willing to provide comparison quotes.
- Susan Cox – State Farm Insurance Agent
2715 W Northern Ave #110 – Phoenix, AZ 85051 – (602) 995-2821 – View Map - Allstate Insurance: David Vasquez
4151 W Bethany Home Rd a – Phoenix, AZ 85019 – (602) 841-1421 – View Map - Lupita Fernandez – State Farm Insurance Agent
2610 W Baseline Rd Ste 116 – Phoenix, AZ 85041 – (602) 633-2088 – View Map
Independent Insurance Agents
Agents that choose to be independent can quote rates with many companies so they can insure your vehicles with a variety of different insurance companies and potentially find a lower price. If you are not satisfied with one company, they can switch companies in-house which is easy for the insured.
When comparing rates, we highly recommend that you get some free quotes from independent agents to have the most options to choose from. Most can insure with additional companies that you may not be familiar with which can be an advantage.
Below are independent agencies in Phoenix that are able to give price quote information.
- Oasis Insurance
317 N 19th Ave – Phoenix, AZ 85009 – (602) 233-5500 – View Map - General Southwest Insurance Agency
5628 E Thomas Rd – Phoenix, AZ 85018 – (480) 990-1900 – View Map - American Premier Insurance Agency
16815 S Desert Foothills Pkwy #140 – Phoenix, AZ 85048 – (480) 423-3444 – View Map
Upon getting reasonable responses to your questions and a low price estimate, you may have found an auto insurance agent that is reliable enough to provide car insurance coverage. But remember, you can always cancel a policy at any time so don’t think you’re contractually obligated to a specific company indefinitely.
A little work can save a LOT of money
When shopping online for auto insurance, never reduce needed coverages to save money. In many cases, an insured dropped comprehensive coverage or liability limits only to regret they didn’t have enough coverage. Your objective should be to purchase plenty of coverage at a price you can afford and still be able to protect your assets.
You just read many tips how you can shop for Scion xB insurance online. The key concept to understand is the more rate quotes you have, the better likelihood of getting inexpensive Phoenix car insurance quotes. You may even find the lowest prices come from a small mutual company. They may cover specific market segments cheaper compared to the large companies like Allstate or State Farm.
Other learning opportunities
- What is Full Coverage? (Allstate)
- Five Mistakes to Avoid (Insurance Information Institute)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- What is a Telematics Device? (Allstate)