Scion FR-S Insurance Rates

Finding cheaper auto insurance by quoting online is easy and at the same time you might just save a little. The key is to compare rates from all companies in order to have every possible rate.

Consumers who are new to the process of comparison shopping may think buying low-cost Scion FR-S insurance is hard. Reducing your Scion FR-S insurance cost is a fairly straight forward process. All that's required is to spend a few minutes on the computer to get quotes from different insurance companies. It is quite easy and can be accomplished by comparing rates here.

What factors impact the rate you pay?

Auto insurance rates on a Scion FR-S will vary greatly based upon several criteria. Taken into consideration are:

• Your driving record
• Your credit history
• The size of your community
• The number of annual miles
• Men typically pay more than women
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you rent or own your home

A final factor which can affect Scion FR-S insurance quotes is the model year. Newer models have a higher actual cash value in comparison to later models so repair costs are higher which will push premiums up. Although more recent FR-S vehicles may have a trim level with safety features included like dual-stage airbags, sideview assist mirrors, and active head restraints so those may lower rates.

Liability coverages

Liability insurance will cover damages or injuries you inflict on people or other property that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying as much as you can afford.

Collision coverage protection

This will pay to fix damage to your FR-S resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder. Collision coverage for your Scion FR-S can be pricey, so consider dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper Scion FR-S insurance quotes.

Comprehensive coverages

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by your Scion FR-S comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. PIP is only offered in select states and gives slightly broader coverage than med pay.