Save on 2014 Scion FR-S Car Insurance Cost

Nobody I know enjoys paying for insurance coverage, especially when they are paying too much.

Because there are so many different company options, it’s difficult to locate the lowest cost company.

Choosing the best insurance company for you is not that difficult. If you currently have car insurance, you will be able to reduce your rates substantially using these methods. But vehicle owners must comprehend the way companies market on the web because it can help you find the best coverage.

Compare Quotes for Auto Insurance

There are multiple methods to shop for 2014 Scion FR-S auto insurance, and some are more efficient than others. You can waste hours talking to agents in your area, or you can utilize the web to accomplish the same thing much quicker.

All the larger companies take part in a program that enables customers to enter their policy data once, and each company then returns a price quote based on that information. This prevents consumers from doing quote forms for each company you want a rate for. To fill out one form to compare multiple rates now click here to open in new window.

The single downside to doing it this way is you can’t choose which providers to get pricing from. If you prefer to choose specific insurance companies to request quotes from, we have a listing of auto insurance companies in your area. Click to view list.

Whichever method you choose, compare the exact same coverage information on every quote. If the quotes have higher or lower deductibles then you won’t be able to make a fair comparison for your Scion FR-S. Quoting even small variations in coverage limits can mean a large discrepancy in price. And when price shopping your coverage, comparing a large number of companies helps locate lower pricing.

Your coverage should be tailored to you

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that. For example, these questions might point out if you would benefit from an agent’s advice.

• Do I have coverage for damage caused while driving under the influence?
• Should I have combined single limit or split liability limits?
• What companies insure drivers after a DUI or DWI?
• Is business property covered if stolen from my car?
• Do I get a pro-rated refund if I cancel my policy early?
• Am I covered if I hit my neighbor’s mailbox?
• Is upholstery damage covered by car insurance?
• Is my custom paint covered by insurance?
• Does my insurance cover my expensive audio equipment?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Car insurance coverage breakdown

Knowing the specifics of your policy can be of help when determining the best coverages for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages available from car insurance companies.

Liability coverages

Liability coverage can cover damage or injury you incur to a person or their property that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims like emergency aid, court costs and pain and suffering. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like funeral costs, rehabilitation expenses and nursing services. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Scion FR-S.

Since many 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 is important protection for you and your family.

Comprehensive protection

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hail damage, rock chips in glass, fire damage, damage from a tornado or hurricane and damage from flooding. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as hitting a mailbox, sideswiping another vehicle and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.