Vehicles > Scion > xA

Scion XA Insurance Rates

Comparing car insurance through online providers is simple to do and at the same time you can save money. The critical component is to take the time to get as many rate quotes as possible in order to have the cheapest rate quotes.

Using the web to shop for car insurance direct is challenging if you have never used online quotes. But don't let that discourage you because it's actually quite easy. There are several ways to compare quotes from local car insurance companies. The recommended way to compare xA insurance cost involves getting comparison quotes online. It is quite easy and can be accomplished by comparing rates here.

What influences your insurance rates?

Car insurance premiums for a Scion xA can vary widely subject to many criteria. Taken into consideration are:

  • Traffic citations increase rates
  • Credit rating
  • Your gender can raise or lower rates
  • Deductible amount directly impacts your rate
  • Your vehicle's safety rating
  • Your occupation
  • Your coverage level
  • Whether you rent or own your home

An additional factor that can impact xA insurance rates is the year of the vehicle. Used vehicles have a reduced actual cash value than newer models so repair costs tend to be lower which can decrease annual premiums. On the flip side, newer models may have safety features like active head restraints, an advanced theft deterrent system, and lane departure warning system which can lower rates.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Liability auto insurance - xA liability coverage protects you from damages or injuries you inflict on other people or property. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so you should buy higher limits if possible.

Collision coverage - This coverage pays for damage to your Scion caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. xA collision insurance is rather expensive coverage, so consider removing coverage from older vehicles. You can also raise the deductible to get cheaper xA insurance rates.

Comprehensive (Other than Collision) - Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle's occupants when other motorists do not carry enough liability coverage. Because many people only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense insurance - Med pay and PIP coverage reimburse you for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay.

How Much are Scion xA Insurance Rates?