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Scion IQ Insurance Quotes

Shopping for car insurance by quoting online is simple to do and there is a good chance you will probably save money. The critical component is to get rates from as many companies as possible in order to accurately compare every possible rate.

Comparing car insurance rates direct online can be a challenge if you have never used online quoting. Don't let that stop you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to get quotes from car insurance companies in your area. The best way to find the cheapest iQ insurance cost consists of shopping online. This can be accomplished by getting a quick quote here.

Insurance rates for your Scion iQ can fluctuate considerably subject to many criteria. Some of these factors include:

  • Traffic citations increase rates
  • Credit rating impacts rates
  • Where you reside can make a big difference
  • High miles vs. low miles
  • Men typically pay more than women
  • The deductible you choose
  • Safety rating of your iQ
  • Your profession
  • The amount of protection requested
  • Whether you own your home

One last important factor that will help determine the rate you pay on your Scion is the year of manufacture. Older cars and trucks cost less so the payout to repair can decrease annual premiums. But more recent Scion vehicles may have options including dual-stage airbags, sideview assist mirrors, and active head restraints which may help offset higher rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle below.

Liability coverages

iQ liability coverage will cover damage that occurs to other's property or people by causing an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so purchase as high a limit as you can afford.

Collision coverage protection

Collision coverage will pay to fix damage to your Scion 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 makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The most you'll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when the "other guys" are uninsured or don't have enough coverage. Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Personal injury protection coverage is only offered in select states and may carry a deductible.

How Much are Scion iQ Insurance Rates?