How to Compare Jacksonville Scion xD Insurance

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Discount Scion xD insuranceIf saving the most money is your goal, then the best way to save money on auto insurance rates in Jacksonville is to do an annual price comparison from different companies who sell auto insurance in Florida. You can shop around by following these steps.

  • Step 1: Try to comprehend individual coverages and the changes you can make to prevent rate increases. Many things that cause high rates like inattentive driving and a not-so-good credit rating can be eliminated by making minor changes in your lifestyle.
  • Step 2: Get rate quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from one company like GEICO or Allstate, while agents who are independent can provide prices from multiple companies. Start a quote
  • Step 3: Compare the new rate quotes to your existing policy and see if there is a cheaper rate in Jacksonville. If you find a lower rate quote and buy the policy, make sure there is no coverage gap between policies.
  • Step 4: Provide proper notification to your current company to cancel your current policy and submit a completed application and payment to the new company. Once the paperwork is finalized, store the proof of insurance paperwork with your vehicle's registration.

An essential thing to point out is to try to use the same liability limits and deductibles on every price quote and and to get prices from as many different companies as possible. This ensures a fair rate comparison and the best rate selection.

It's hard to believe, but a large majority of drivers in Florida have been with the same company for a minimum of four years, and nearly 40% of drivers have never compared rates from other carriers. With the average car insurance premium being $1,847, American drivers can cut their rates by approximately $860 a year by just comparing quotes, but they don't want to take the time to save money by comparing rate quotes.

If you already have coverage or are looking for a new policy, you will benefit by learning to get lower rates while maximizing coverage. The intent of this article is to help educate you on the best way to buy inexpensive auto insurance and some tricks to saving. You only need an understanding of the most time-saving way to buy auto insurance online.

Most of the larger companies like State Farm and Allstate give prices for coverage on the web. Getting Scion xD insurance prices online is possible for anyone as you simply enter the amount of coverage you want into the quote form. When the form is submitted, their system makes automated requests for your driving and credit reports and gives you a price quote based on these factors.

Using the web to get rate quotes for Scion xD insurance in Jacksonville makes comparing rates easy, and it is important to do this if you want to find the cheapest auto insurance rates.

To use this form to compare rates, compare rate quotes from the providers shown below. If you have a policy now, it's recommended that you enter the insurance coverages as close as possible to your current policy. This ensures you're receiving rate quotes based on similar coverages.

The companies in the list below have been selected to offer price quotes in Jacksonville, FL. If multiple companies are shown, we suggest you click on several of them to find the most competitive auto insurance rates.

Rate information and statistics

The rate table shown next outlines detailed analysis of insurance rates for Scion xD models. Being more informed about how insurance policy rates are determined is important to be able to make smart choices when buying a car insurance policy.

Scion xD Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XD 4-Dr Hatchback $222 $430 $426 $26 $128 $1,232 $103
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Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Price information does not factor in vehicle location which can affect prices substantially.

Where to set your deductibles

One of the more difficult decisions when buying car insurance is where should you set your physical damage deductibles. The following insurance rates illustrate the differences in premium rates between low and high coverage deductibles. The first set of prices uses a $100 physical damage coverage deductible and the second rate chart uses a $500 deductible.

Scion xD insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XD 4-Dr Hatchback $312 $648 $418 $24 $124 $1,551 $129
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Scion xD insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XD 4-Dr Hatchback $228 $438 $418 $24 $124 $1,232 $103
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Price information does not factor in zip code location which can modify rates significantly.

Based on the above data, using a $100 deductible will cost in the ballpark of $26 more each month or $312 for a full year averaged for all xD models than quoting the higher $500 deductible. Because you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 15 months between claim filings, you would probably come out ahead if you decide on a higher deductible.

Calculation for determining deductible levels

Average monthly premium for $100 deductibles: $129
Average monthly premium for $500 deductibles (subtract): - $103
Monthly savings from raising deductible: $26
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $26
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

One important issue to know is that a higher deductible level results in more money out-of-pocket when you have a physical damage claim. It will be required that you have enough money put aside in the event you need to pay the deductible for vehicle repair.

Cautious Jacksonville drivers save money

The diagram below shows how traffic citations and fender-benders influence Scion xD annual premium costs for different ages of insureds. The premium estimates are based on a single female driver, comp and collision included, $100 deductibles, and no policy discounts are applied.

Male drivers compared to female drivers in Jacksonville

The information below illustrates the difference between Scion xD annual premium costs for male and female drivers. The price estimates are based on no accidents, no driving violations, full coverage, $100 deductibles, marital status is single, and no policy discounts are applied.

Scion xD liability rates compared to full coverage

The diagram below visualizes the comparison of Scion xD insurance prices with full coverage and liability only. The rates are based on no violations or accidents, $100 deductibles, drivers are not married, and no policy discounts are applied.

When to eliminate full coverage

There isn't a written rule for dropping physical damage coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let's pretend your Scion xD book value is $6,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $5,000 after paying the physical damage deductible. If you are paying in excess of $500 annually to have full coverage, then you might want to think about dropping full coverage.

There are some scenarios where dropping full coverage is not recommended. If you haven't paid off your loan, you have to keep full coverage to protect the lienholder's interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.

Your auto insurance coverage should be tailored to you

Always keep in mind that when comparing adequate coverage, there really isn't a "best" method to buy coverage. Every insured's situation is different.Higher deductibles save money

These are some specific questions can help discover if you might need professional guidance.

  • Can I insure my car for more than it's worth?
  • Can I afford to buy a different vehicle if my Scion xD is totaled?
  • Is my state a no-fault state?
  • How do I buy GAP insurance?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I really need UM/UIM coverage?

If you don't know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It's fast, free and may give you better protection.

Buying from car insurance agents

Some consumers prefer to get professional advice from a licensed agent and that can be a smart move Professional insurance agents can answer important questions and help file insurance claims. An additional benefit of getting online price quotes is the fact that drivers can get better rates and still choose a local agent. And supporting local agencies is definitely important in Jacksonville.

Insurance agents in JacksonvilleUpon completion of this short form, your insurance data is immediately sent to participating agents in Jacksonville that provide free Jacksonville auto insurance quotes for your insurance coverage. It's much easier because you don't need to find an agent because prices are sent immediately to your email address. In the event you want to compare rates from a specific insurance company, don't hesitate to jump over to their website and fill out their quote form.

Insurance agent types

When searching for an insurance agent, you should know the types of insurance agents and how they can write your policy. Jacksonville agents can be classified as either independent agents or exclusive agents depending on their employer. Both types of agents can insure your vehicles, but it's good to learn the differences because it can impact buying decisions.

Independent Agencies or Brokers

Agents that choose to be independent are not limited to a single company and that allows them to write policies with multiple insurance companies and help determine which has the cheapest rates. If premiums increase, an independent agent can move your coverage which requires no work on your part.

When comparing insurance prices, we recommend you compare quotes from at least one independent agent to have the best price comparison. Many can place coverage with small regional insurance companies which may have better rates.

Listed below is a small list of independent insurance agents in Jacksonville that can give you price quotes.

View more Jacksonville agents

Exclusive Insurance Agencies

Exclusive insurance agents generally can only insure with one company like State Farm or Allstate. Exclusive agents cannot give you multiple price quotes so they have no alternatives for high prices. These agents are very knowledgeable on the products they sell and that enables them to sell even at higher rates. Some consumers prefer to buy insurance from these agents partially due to the brand rather than low rates.

Listed below is a list of exclusive insurance agents in Jacksonville that are able to give price quotes.

View more Jacksonville agents

Finding a good insurance agency needs to be determined by more than just a cheap quote. Ask your prospective agent these questions:

  • Does the agency have a current Errors and Omissions policy?
  • What insurance companies do they recommend if they are an independent agent?
  • What company do they have the most business with?
  • Is auto insurance their primary focus in Jacksonville?
  • Is there a local claims center in Jacksonville?
  • Do they assist clients in filing claims?
  • Do you work with a CSR or direct with the agent?
  • Is vehicle mileage a factor when determining depreciation for repairs?