Cheapest 2014 Scion tC Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 5, 2023

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Purchasing the cheapest insurance on the internet can seem to be challenging for consumers new to shopping for insurance online. Because there are so many companies in the marketplace, how can drivers have a chance to compare every company to locate the lowest price?

It’s important to check insurance prices at least once a year since insurance rates fluctuate regularly. If you had the lowest rates on tC coverage six months ago there may be better deals available now. There is a lot of bad information regarding insurance on the web, but I’m going to show you some of the best ways to reduce your insurance bill.

Finding cheaper insurance is quite easy. Essentially anyone who carries insurance will be able to cut their insurance bill. But car owners do need to learn the methods companies use to market on the web and use this information to your advantage.

Save money by taking advantage of these discounts

Insurance can cost an arm and a leg, but you may find discounts that many people don’t even know exist. A few discounts will automatically apply when you purchase, but less common discounts must be manually applied before being credited.

  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
  • Seat Belt Usage – Drivers who require all occupants to wear their seat belts could cut 10% or more off the personal injury premium cost.
  • Driver Safety – Completing a course teaching defensive driving skills could save 5% or more depending on where you live.
  • Student Driver Training – Have your child complete a driver education course in school.
  • Student in College – Kids in college living away from home attending college and don’t have a car can receive lower rates.
  • Auto/Home Discount – When you combine your home and auto insurance with the same company you may save up to 20% off your total premium.
  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less on tC coverage than less cautious drivers.
  • Homeowners Pay Less – Simply owning a home may earn you a small savings because maintaining a house shows financial diligence.
  • Organization Discounts – Affiliation with a professional or civic organization may earn a discount when buying car insurance on tC coverage.

It’s important to understand that most credits do not apply to your bottom line cost. Most only apply to individual premiums such as comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, you won’t be that lucky. But any discount will reduce your overall premium however.

Car insurance companies who might offer these benefits are:

Check with each insurance company what discounts are available to you. Savings might not be offered everywhere.

Why your Scion tC might be costing you more

An important part of buying insurance is that you know the factors that come into play when calculating insurance coverage rates. Understanding what influences your rates enables informed choices that may reward you with much lower annual insurance costs.

  • High numbers of claims are not good – Auto insurance companies provide discounts to insureds who file claims infrequently. If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for the large, substantial claims.
  • Poor driving leads to higher costs – Even one ticket may increase your cost by twenty percent. Drivers with clean records get better rates than bad drivers. If you have serious violations such as hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 form with the DMV in their state in order to continue driving.
  • Don’t let your coverage lapse – Allowing your insurance coverage policy to lapse is a sure-fire way to increase your insurance coverage rates. And not only will insurance be more expensive, but not being able to provide proof of insurance can result in a steep fine or even jail time. Then you may be required to file a SR-22 with your state motor vehicle department.
  • Do you have enough liability coverage? – The liability section of your policy is the protection if a court rules you are at fault for causing damage or personal injury in an accident. It will provide legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so buy as much as you can afford.

When should I use an insurance agent?

When choosing adequate coverage for your personal vehicles, there really is no one size fits all plan. Every insured’s situation is different.

For example, these questions can aid in determining whether your personal situation will benefit from professional help.

  • Where can I get insurance after a DUI in my state?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Should I waive the damage coverage when renting a car?
  • Who is covered by my policy?
  • Is there coverage for injuries to my pets?
  • Is my state a no-fault state?
  • Can my teen driver be rated on a liability-only vehicle?
  • Does my liability insurance cover pulling a trailer or camper?
  • What is the rate difference between pleasure use and commuting?
  • Do I need rental car coverage?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Can you really save that much by switching?

Insurance companies such as Allstate and Progressive continually stream ads in print and on television. They all seem to say the same thing that you’ll save big after switching your policy. How can each company claim to save you money?

All the different companies are able to cherry pick for the type of driver that is profitable for them. For instance, a driver they prefer might be between 25 and 40, a clean driving record, and drives newer vehicles. A customer getting a price quote that hits that “sweet spot” will qualify for the lowest rates and therefore will save a lot of money.

Consumers who do not match the “perfect” profile will have to pay higher rates and this can result in business not being written. The ad wording is “customers who switch” not “people who quote” save that much. That is how insurance companies can advertise the way they do.

Because of the profiling, you should get a wide range of price quotes. Because you never know which insurance companies will have the lowest Scion tC insurance rates.

Coverage specifics

Learning about specific coverages of car insurance can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Usually these limits are identical to your policy’s liability coverage.

Comprehensive coverages – This pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like fire damage, vandalism and a broken windshield. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for medical payments – Med pay and PIP coverage reimburse you for expenses for dental work, funeral costs, ambulance fees, nursing services and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability insurance – Liability coverage protects you from damage that occurs to people or other property. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like court costs, pain and suffering, repair costs for stationary objects, medical expenses and emergency aid. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Collision coverage – Collision coverage pays for damage to your tC resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like backing into a parked car, hitting a parking meter and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

More quotes mean more savings

As you go through the steps to switch your coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut uninsured motorist or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase plenty of coverage at an affordable rate.

You just learned a lot of tips how to compare 2014 Scion tC insurance prices online. It’s most important to understand that the more price quotes you have, the better your chances of lowering your rates. You may be surprised to find that the lowest priced car insurance comes from a lesser-known regional company.

Low-cost insurance is definitely available from both online companies in addition to many insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies do not provide online quoting and most of the time these small insurance companies sell through independent agents.

Other information

Frequently Asked Questions

How can I find the cheapest insurance rates for my 2014 Scion tC?

To find the cheapest insurance rates for your 2014 Scion tC, it’s recommended to shop around and compare quotes from different insurance companies. You can use online quote tools by entering your ZIP code to view companies with cheap auto insurance rates. By comparing quotes from multiple insurers, you increase your chances of finding the best price.

Are there any discounts available to lower my insurance costs?

Yes, many insurance companies offer various discounts that can help lower your insurance costs. Some common discounts include safe driver discounts, multi-vehicle discounts, multi-policy discounts (bundling multiple policies with the same insurer), and discounts for safety features installed in your vehicle. It’s important to check with each insurance company to see which discounts they offer and if you qualify for them.

Why might my Scion tC be costing me more in insurance premiums?

Several factors influence insurance coverage rates. Some factors that could contribute to higher premiums for your Scion tC include:

  • Your driving record
  • Your age and gender
  • Your location (ZIP code)
  • The make and model of your vehicle (2014 Scion tC)
  • Your credit score
  • Your chosen coverage limits and deductibles

Understanding these factors can help you make informed decisions and potentially reduce your insurance premiums.

Should I use an insurance agent to find the best coverage for my Scion tC?

The decision to use an insurance agent is a personal one. While it’s not necessary, working with a licensed insurance agent can provide personalized assistance and help you find the best coverage options for your Scion tC. An agent can help explain the details of different policies, answer your questions, and guide you through the insurance process.

Can I really save a significant amount by switching insurance companies?

Insurance companies often advertise savings to attract customers, but the actual savings can vary based on individual circumstances. Different insurance companies have preferred customer profiles, and if you match their preferred profile (e.g., clean driving record, certain age range), you may qualify for lower rates. It’s recommended to obtain quotes from multiple insurance companies to compare prices and determine if switching can result in significant savings for your Scion tC.

What are some specific coverages I should consider for my car insurance policy?

Understanding the specific coverages in your car insurance policy is essential for choosing the right coverage options. Some common coverages include:

  • Liability coverage: Protects you from claims by others for damage or injuries you cause in an accident.
  • Comprehensive coverage: Pays for damages to your vehicle from incidents other than collisions, such as theft, vandalism, or weather-related damage.
  • Collision coverage: Pays for damages to your vehicle resulting from a collision with another car or object.
  • Uninsured/underinsured motorist coverage: Provides protection if you’re involved in an accident with a driver who has no insurance or insufficient coverage.
  • Medical payments coverage: Covers medical expenses for you and your passengers in case of an accident, regardless of who is at fault.

Review your policy and discuss your coverage needs with an agent to ensure you have adequate protection for your Scion tC.

How can I maximize my savings on car insurance?

To maximize your savings on car insurance, consider the following tips:

  • Shop around and compare quotes from different insurance companies.
  • Inquire about available discounts and see if you qualify for any.
  • Maintain a clean driving record and practice safe driving habits.
  • Consider increasing your deductibles if you can afford to pay higher out-of-pocket expenses.
  • Bundle your auto insurance with other policies (e.g., home insurance) to potentially receive a multi-policy discount.
  • Review your coverage periodically and adjust it according to your changing needs.

Remember, the goal is to balance affordability with the coverage and protection you need for your Scion tC.

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