Compare 2005 Scion tC Insurance Quotes

Sick and tired of robbing Peter to pay Paul to insure your Scion every month? Your situation is no different than many other drivers.

Companies like Progressive, State Farm and GEICO increase brand awareness with TV and radio ads and it can be hard to not get sucked in by the cute commercials and find the best price available.

Free Car Insurance Quotes

To find the best car insurance prices, there are several ways of comparing price quotes from car insurance companies in your area. The best way to find the cheapest 2005 Scion tC insurance rates consists of obtaining rate quotes online. This is very easy and can be done in just a few minutes using one of these methods.

  • The easiest and least time consuming way consumers can analyze rates is a comparison rater form click to view form in new window. This easy form keeps you from doing a different quote to each individual car insurance company. One form gets rate comparisons from multiple companies.
  • A less efficient way to compare rate quotes consists of going to the website for every company you want to comare to request a price quote. For sake of this example, we’ll assume you want to compare rates from Auto-Owners, Progressive and GMAC. To find out each rate you need to spend time on each company’s site and enter your information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  • The most time-consuming method of getting rate comparisons is to waste gas driving to insurance agents’ offices. Buying insurance online can eliminate the need for a local agent unless you require the trained guidance of a licensed agent. It is possible to get prices online and still use a local agent and you’ll learn how to do that later.

It doesn’t matter which method you choose, just double check that you are using exactly the same quote information with each company. If you enter different liability limits it will be next to impossible to find the best deal for your Scion tC. Just a small difference in insurance coverages can result in a big premium difference. It’s important to know that obtaining a wide range of quotes helps you find lower pricing.

Take discounts and save

The cost of insuring your cars can be expensive, but companies offer discounts to reduce the price significantly. Most are applied at the time of purchase, but some may not be applied and must be asked for before they will apply.

  • Early Signing – A few companies offer discounts for switching to them before your current expiration date. This can save 10% or more.
  • Own a Home – Owning a house can help you save on auto insurance because of the fact that having a home requires personal responsibility.
  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off on tC coverage with a few auto insurance companies.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Safety Course Discount – Completing a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • No Charge for an Accident – Certain companies permit an accident without raising rates so long as you haven’t had any claims for a set time period.
  • Accident Free – Drivers with accident-free driving histories pay less when compared to drivers who are more careless.
  • Organization Discounts – Participating in certain professional organizations could trigger savings when buying auto insurance on tC coverage.

It’s important to understand that some of the credits will not apply the the whole policy. Most only reduce specific coverage prices like comp or med pay. So even though it sounds like you can get free auto insurance, you won’t be that lucky. Any qualifying discounts will help reduce the amount you have to pay.

To see a list of insurance companies offering auto insurance discounts, click this link.

Which policy gives me the best coverage?

When it comes to choosing coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that. For example, these questions can help discover whether or not you could use an agent’s help.

  • Are my tools covered if they get stolen from my vehicle?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I need to file an SR-22 for a DUI in my state?
  • If I drive on a suspended license am I covered?
  • How many claims can I have before being cancelled?
  • Can I get a multi-policy discount?
  • Can I drive in Mexico and have coverage?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Scion tC insurance rates are influenced by…

It’s important that you understand the rating factors that help determine the rates you pay for auto insurance. Understanding what influences your rates enables informed choices that can help you get big savings.

The following are some of the factors auto insurance companies consider when setting your rates.

  • Your age impacts your rates – Older drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations. Youthful drivers have a tendency to be less responsible behind the wheel and because of this, their auto insurance rates are much higher.
  • Safe vehicles cost less to insure – Vehicles with good safety scores tend to have better insurance rates. Safe vehicles reduce injuries and fewer injuries means less money paid by your insurance company and thus lower rates. If your Scion tC is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Don’t get talked into coverage you don’t need – There are a ton of extra coverages you can purchase when buying auto insurance. Things like rental car reimbursement, better glass coverage and motor club memberships may be costing you every month. These coverages may sound good initially, but if you don’t need them remove them from your policy.
  • Your car’s features help determine rates – Choosing a vehicle with a theft deterrent system can help bring down rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.
  • Clean credit earns discounts – A driver’s credit score is a large factor in calculating your auto insurance rates. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers with lower ratings. So if your credit score is low, you could be paying less to insure your 2005 Scion tC by improving your credit score.
  • Your location affects your rates – Choosing to live in a rural area can be a good thing when talking about auto insurance. Fewer people means fewer accidents and a lower car theft rate. Drivers in populated areas have much more traffic to deal with and much longer commute distances. More time commuting translates into higher accident risk.
  • Do you have enough liability coverage? – The liability section of your policy will protect you if ever a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not cut corners here.

Do drivers who switch really save?

Auto insurance companies such as Allstate, GEICO and Progressive regularly use ads in print and on television. They all seem to say the same thing of big savings if you move your coverage to them. How does each company claim to save you money?

Insurance companies have a preferred profile for the type of customer that is profitable for them. An example of a driver they prefer might be profiled as over the age of 40, a clean driving record, and has a short commute. A customer getting a price quote who fits that profile receives the best rates and most likely will save when they switch companies.

Drivers who don’t measure up to the “perfect” profile will be charged higher premiums which leads to the customer not buying. Company advertisements say “customers that switch” but not “drivers who get quotes” save that much. That’s the way insurance companies can advertise the way they do.

That is why you need to get as many quotes as possible. It’s not possible to predict which insurance companies will give you the biggest savings on Scion tC insurance.

Car insurance coverage information

Having a good grasp of your insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types found on the average insurance policy.

Comprehensive (Other than Collision) – This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hail damage, a tree branch falling on your vehicle, fire damage, rock chips in glass and damage from flooding. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Protection from uninsured/underinsured drivers – This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.

Medical expense insurance – Med pay and PIP coverage reimburse you for bills for hospital visits, ambulance fees and prosthetic devices. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as scraping a guard rail, sideswiping another vehicle, colliding with a tree and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Coverage for liability – This can cover damages or injuries you inflict on people or other property in an accident. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as repair costs for stationary objects, pain and suffering and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Shop smart and save

Low-cost 2005 Scion tC insurance can be purchased online and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies do not offer online quoting and most of the time these small, regional companies sell through independent agents.

We just covered many tips how you can save on insurance. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers could even find that the best price on insurance coverage is with an unexpected company. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as GEICO and State Farm.

As you prepare to switch companies, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed liability coverage limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to get the best coverage possible at an affordable rate, not the least amount of coverage.

More resources