Cheapest Insurance for a Scion tC in Jacksonville

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Insurance quote for Scion tC in JacksonvilleWould you like an easy way to compare more competitive Scion tC insurance in Jacksonville? I doubt anyone likes having to buy auto insurance, especially knowing it costs too dang much.

It's a fact that insurance companies don't want you to look for cheaper rates. Drivers who shop around annually will most likely buy a different policy because the odds are good of finding lower rate quotes. Surprisingly, a recent survey revealed that drivers who did price comparisons regularly saved over $865 a year compared to drivers who didn't regularly shop around.

If finding discount rates on Scion tC insurance is your ultimate target, then having an understanding of how to find companies and compare insurance premiums can make shopping around easier.

How to find the cheapest rates for Scion tC insurance in Jacksonville

If saving money is your primary concern, then the best way to get more affordable car insurance rates is to compare prices once a year from insurers who provide car insurance in Jacksonville.

  1. Spend a few minutes and learn about how your policy works and the factors you can control to prevent expensive coverage. Many rating factors that result in higher rates such as speeding tickets, accidents and a negative credit rating can be rectified by making small lifestyle or driving habit changes.
  2. Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from one company like Progressive or Farmers Insurance, while independent agencies can quote rates from multiple insurance companies. View insurance agents
  3. Compare the price quotes to your existing policy and see if there is a cheaper rate in Jacksonville. If you find a lower rate and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Provide written notification to your current company of your intention to cancel the current policy and submit a completed application and payment for your new policy. As soon as coverage is bound, put the new proof of insurance paperwork in a readily accessible location in your vehicle.

A valuable tip to remember is that you'll want to compare similar limits and deductibles on every quote request and and to look at every insurance company. Doing this guarantees an accurate price comparison and a complete price analysis.

Insurance companies such as Progressive, GEICO and Farmers Insurance all claim big savings with advertising and consumers find it hard to avoid their marketing magic and find the best price available.

It's a great practice to shop coverage around periodically due to the fact that insurance prices trend upward over time. Just because you had the lowest rate on Scion tC insurance in Jacksonville two years ago the chances are good that you can find a lower premium rate today. There is lot of inaccurate information about tC insurance online but by reading this article, you're going to learn some guaranteed methods to stop overpaying for insurance in Jacksonville.

Companies offering Scion tC insurance in Jacksonville

The companies in the list below offer comparison quotes in Jacksonville, FL. If the list has multiple companies, it's highly recommended you click on several of them to get the most affordable price.

Analysis of Scion tC rates

The data table shown next highlights different insurance rates for Scion tC models. Learning how insurance quotes are figured can be useful when making informed decisions when shopping around for a new policy.

Scion tC Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TC 2-Dr Hatchback $226 $612 $590 $34 $176 $1,638 $137
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Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Price estimates do not factor in specific garaging location which can raise or lower auto insurance rates noticeably.

Choosing deductibles

When comparing car insurance rates, the most common question is the level to set your comp and collision deductibles. The premium rates below may aid in understanding how much more rates are when you select higher and lower deductibles. The first price estimate table uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.

Scion tC insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TC 2-Dr Hatchback $322 $736 $522 $30 $156 $1,791 $149
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Scion tC insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TC 2-Dr Hatchback $262 $594 $522 $30 $156 $1,564 $130
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Prices do not factor in vehicle location which can lower or raise premium rates considerably.

Based on the figures above, using a $250 deductible costs about $19 more each month or $228 for a full year averaged for all tC models than requesting the higher $500 deductible. Due to the fact that you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you usually have more than 13 months between claims, you would most likely save money if you choose a higher deductible. Here is the way you can decide this on your own policy.

Average monthly premium for $250 deductibles: $149
Average monthly premium for $500 deductibles (subtract): - $130
Monthly savings from raising deductible: $19
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $19
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

Impact of violations and accidents on rates

The chart below highlights how traffic violations and at-fault accidents can drive up Scion tC insurance rates for each age group. The data assumes a married male driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.

Four Tips to Get Cheaper Jacksonville Insurance Premiums

Multiple criteria are used when you get a price on insurance. A few of the factors are predictable like a motor vehicle report, although others are more obscure such as whether you are married or your vehicle rating.

  • Do you know you're credit score? - A driver's credit history can be a huge factor in calculating your car insurance rates. If your credit history leaves room for improvement, you could save money insuring your Scion tC by taking the time to improve your credit score. Drivers who have good credit tend to be better drivers and file fewer claims as compared to drivers with poor credit.
  • Cars with good safety ratings save money - Safe vehicles cost less to insure. These vehicles help reduce the chance of injuries in an accident and reduced instances of injuries means less money paid by your insurance company and thus lower rates. If your Scion tC has at least four stars on or an "acceptable" rating on you may pay a lower rate.
  • Never allow your coverage to lapse - Letting your insurance expire will be a guaranteed way to pay more for car insurance. Not only will you pay higher rates, being ticketed for driving with no insurance may result in a revoked license or a big fine. You may need to prove you have insurance by filing a SR-22 with the Florida DMV.
  • Car insurance claims cost money - If you tend to file frequent claims, you can pretty much guarantee increased rates or even have your policy non-renewed. Auto insurance companies in Florida provide better rates to insureds who only file infrequent claims. Insurance coverage is meant to be used in the event of more catastrophic claims.
  • Scion tC insurance claim data - Insurance companies factor in historical loss data to calculate a price that will offset any claims. Vehicles that are shown to have higher loss trends will have increased rates. The table below illustrates the insurance loss data used by companies for Scion tC vehicles.

    For each policy coverage type, the claim amount for all vehicles averaged together is considered to be 100. Numbers shown that are under 100 suggest a better than average loss history, while numbers shown that are more than 100 indicate more frequent losses or an increased chance of a larger loss.

    Car Insurance Loss Data for Scion tC Models
    Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Scion tC 133 139 136 148 152 143

    Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

These discounts can lower your insurance quotes

Companies offering auto insurance don't always list the entire discount list very clearly, so the list below contains some of the more common as well as some of the hidden discounts that you can inquire about if you buy Jacksonville car insurance online.Cheaper insurance with discounts

  • Drive Less and Save - Fewer annual miles on your Scion can earn lower rates due to less chance of an accident.
  • Discounts for Good Drivers - Drivers who don't get into accidents may receive a discount up to 45% than their less cautious counterparts.
  • Own a Home and Save - Owning a home in Jacksonville may earn you a small savings since home ownership requires a higher level of personal finance.
  • Active Military Service - Having a deployed family member could mean lower insurance rates.
  • ABS Brakes - Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more on tC insurance in Jacksonville.
  • Defensive Driving Course - Taking a defensive driving course may get you a small discount and easily pay for the cost of the class.
  • Life Insurance - If the company offers life insurance, you could get a break if you buy some life insurance in addition to your auto policy.
  • Save with More Vehicles Insured - Buying insurance for multiple vehicles with one company can get a discount on all vehicles.
  • Early Signing - A few insurance companies allow discounts for switching to them early. The savings is around 10%.
  • Driver's Education for Students - It's a good idea to have your young drivers complete a driver education course if it's offered in school.

Consumers should know that some of the credits will not apply to all coverage premiums. Some only apply to specific coverage prices like medical payments or collision. So when the math indicates you could get a free insurance policy, companies don't profit that way.

The illustration below shows the comparison of Scion tC yearly insurance costs with and without some available policy discounts. The information is based on a female driver, no violations or accidents, Florida state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-policy, multi-car, claim-free, and safe-driver discounts applied.

Larger insurance companies and a partial list of their discounts can be read below.

  • State Farm offers discounts for accident-free, defensive driving training, student away at school, multiple autos, good driver, driver's education, and multiple policy.
  • American Family may include discounts for defensive driver, air bags, Steer into Savings, TimeAway discount, and mySafetyValet.
  • GEICO policyholders can earn discounts including seat belt use, anti-lock brakes, membership and employees, federal employee, daytime running lights, five-year accident-free, and air bags.
  • 21st Century offers premium reductions for anti-lock brakes, good student, theft prevention, air bags, and defensive driver.
  • Progressive offers discounts including online quote discount, continuous coverage, online signing, multi-policy, multi-vehicle, good student, and homeowner.

If you need affordable Jacksonville car insurance quotes, ask each company or agent the best way to save money. Some of the earlier mentioned discounts may not be offered in your state. To view insurance companies with the best Scion tC insurance discounts in Florida, click here to view.

Insurance agent or online?

Some people still like to have an agent's advice and that is OK! Experienced insurance agents are trained risk managers and help in the event of a claim. One of the benefits of comparing rate quotes online is you may find cheap rate quotes but also keep your business local.

Insurance agents in JacksonvilleTo make it easy to find an agent, after completing this quick form, your coverage information is transmitted to insurance agents in Jacksonville that can provide free Jacksonville car insurance quotes for your car insurance coverage. There is no need to leave your house since rate quotes are delivered to you instantly. If you wish to compare rates for a specific company, don't hesitate to jump over to their website to submit a rate quote request.

Choosing the best insurance company should include more criteria than just the price. These questions are important to ask:

  • How is replacement cost determined on your vehicle?
  • Do they assist clients in filing claims?
  • Are you getting all the discounts the company offers?
  • Is there any savings for paying the full premium?
  • Is assistance available after office hours?

Not all car insurance agents are the same

If you want to buy car insurance from an insurance agent, it can be helpful to understand the types of agencies and how they function. Jacksonville agents are categorized either exclusive or independent (non-exclusive). Both can write car insurance policies, but it is important to understand why they differ since it could factor into buying decisions.

Exclusive Insurance Agents

Agents of this type can only write with one company like Farmers Insurance, State Farm, or Allstate. These agents are not able to place coverage with different providers so always compare other rates. Exclusive insurance agents receive a lot of sales training on sales techniques which can be an advantage.

Shown below are exclusive agents in Jacksonville who may provide you with rate quotes.

11757 Beach Blvd #7 - Jacksonville, FL 32246 - (904) 641-0090 - View Map

10920 Baymeadows Rd #7 - Jacksonville, FL 32256 - (904) 777-6888 - View Map

3546 St Johns Bluff Rd S #109 - Jacksonville, FL 32224 - (904) 645-8880 - View Map

View more Jacksonville agents

Independent Agents

Independent agents are not locked into one company and that enables them to quote your coverage through many companies and find the cheapest rate. If premiums increase, the agent simply finds a different carrier and you won't have to switch agencies. When comparing car insurance prices, we recommend you check rates from at a minimum one independent agency in order to have the best price comparison.

Below are independent agencies in Jacksonville that can give you price quotes.

9119 Merrill Rd #8 - Jacksonville, FL 32225 - (904) 743-6661 - View Map

803 3rd St N - Jacksonville Beach, FL 32250 - (904) 247-5599 - View Map

5600 New Kings Rd #4 - Jacksonville, FL 32209 - (904) 770-4456 - View Map

View more Jacksonville agents

Situations that may require an agent's advice

When quoting and choosing your policy for your personal vehicles, there really isn't a perfect coverage plan. Everyone's situation is unique so your insurance needs to address that.Car insurance savings These are some specific questions can aid in determining whether your personal situation could use an agent's help.

  • When should I buy a commercial auto policy?
  • When should I drop full coverage on my Scion tC?
  • What is the difference between comprehensive and collision coverage?
  • Does rental coverage apply when I am renting a car?
  • Does my medical payments coverage pay my health insurance deductible?
  • What vehicles should carry emergency assistance coverage?
  • Is my vehicle covered by my employer's policy when using it for work?
  • Is pet coverage available?

If you don't know the answers to these questions, then you may want to think about talking to a licensed agent. If you don't have a local agent, take a second and complete this form or you can also visit this page to select a carrier It's fast, doesn't cost anything and can provide invaluable advice.

Persistence pays off

We've covered quite a bit of information on how to compare Scion tC insurance rates in Jacksonville. It's most important to understand that the more quotes you get, the better your comparison will be. Consumers may even find the lowest rates come from a small local company. Some small companies often have lower auto insurance rates on specific markets compared to the large companies like Allstate, GEICO and Progressive.

As you quote Jacksonville car insurance, never buy poor coverage just to save money. There have been many situations where consumers will sacrifice liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your goal is to find the BEST coverage at the best cost, but do not sacrifice coverage to save money.

Steps to finding cheaper Scion tC insurance in Jacksonville

It takes a little time, but the best way to get more affordable Scion tC insurance is to start comparing prices yearly from different companies that sell auto insurance in Jacksonville.

  1. Gain an understanding of how companies price auto insurance and the things you can change to keep rates low. Many things that cause rate increases such as traffic violations and a poor credit score can be amended by making small lifestyle or driving habit changes.
  2. Compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from a single company like Progressive and State Farm, while agents who are independent can provide rate quotes for a wide range of insurance providers.
  3. Compare the new quotes to the price on your current policy to determine if you can save on tC insurance in Jacksonville. If you can save money and decide to switch, make sure coverage is continuous and does not lapse.
  4. Notify your agent or company of your intent to cancel the current policy. Submit the completed application along with a down payment for your new policy. Once the application is submitted, put the new certificate of insurance with your vehicle's registration.

An important bit of advice to remember is that you use identical limits and deductibles on every price quote and and to get prices from as many companies as possible. Doing this ensures the most accurate price comparison and a good representation of prices.

Additional car insurance information is located on the following sites: