Cheapest 2014 Scion xB Insurance Rates in 2023

Finding low-cost insurance for a Scion xB can be difficult, but you can learn the following methods to save time. There are more efficient ways to compare insurance rates and we’ll show you the absolute fastest way to compare rates on a Scion and get the cheapest rates from both online companies and local agents.

Auto Insurance Prices

Finding a better price on auto insurance can be quick and easy. All you need to do is spend a few minutes on the computer to compare rate quotes online with multiple companies. It is quite easy and can be accomplished in several different ways.

1. One of the simplest ways to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This type of form eliminates the need for multiple quote forms for each company. Just one form will return quotes from many national carriers. It’s definitely the quickest method.
2. A less efficient way to get comparison quotes requires you to visit each individual company website and complete a new quote form. For examples sake, let’s say you want comparison quotes from Progressive, GEICO and Liberty Mutual. You would have to go to every website and enter your information, which is why most consumers use the first method.

   For a list of links to companies insuring cars in your area, click here.

3. The hardest method of comparing rate quotes is to drive around to different agent offices. Shopping for auto insurance online can eliminate the need for a local agent unless you want the professional advice that only a license agent can provide. Drivers can price shop online and get advice from an agent in your area and we’ll touch on that later.

Which method you use is up to you, but compare identical coverage information for every company. If you use different values for each quote it will be very difficult to determine which rate is truly the best.

Tailor your coverage to you

When choosing proper insurance coverage, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out whether you would benefit from an agent’s advice.

• Do I need PIP (personal injury protection) coverage in my state?
• Does my liability insurance cover pulling a trailer or camper?
• Will I be non-renewed for getting a DUI or other conviction?
• What are the best liability limits?
• Do I need medical payments coverage since I have good health insurance?
• I have health insurance so do I need medical payments coverage?
• Can I drive in Mexico and have coverage?
• What discounts do I qualify for?
• What can I do if my company denied a claim?

If you can’t answer these questions, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

Auto insurance coverage information

Understanding the coverages of a car insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your 2014 Scion xB.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for bills like dental work, X-ray expenses, pain medications, rehabilitation expenses and nursing services. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Collision protection

This will pay to fix damage to your xB resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as rolling your car, sustaining damage from a pot hole, crashing into a building and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Auto liability

Liability coverage provides protection from injuries or damage you cause to a person or their property. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as court costs, funeral expenses, repair bills for other people’s vehicles and legal defense fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, theft, rock chips in glass and falling objects. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Use our FREE quote tool to compare rates now!