If saving the most money is your goal, then the best way to find cheaper Scion xB insurance in Irvine is to regularly compare price quotes from insurers who provide car insurance in California. You can compare rates by following these steps.
First, take a little time to learn about how companies set rates and the measures you can control to prevent high rates. Many rating factors that drive up the price like at-fault accidents and a substandard credit history can be improved by making minor changes to your lifestyle. Later in this article we will cover instructions to get low prices and get discounts that may be available to you.
Second, request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like GEICO and State Farm, while agents who are independent can provide price quotes for a wide range of insurance providers.
Third, compare the new rates to your current policy to determine if you can save on xB insurance. If you find a lower rate and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
Fourth, provide proper notification to your current company to cancel your existing policy and submit a down payment and signed policy application for your new coverage. As soon as you receive it, put the proof of insurance certificate along with the vehicle’s registration papers.
One important bit of advice is to try to use identical coverages on each quote and and to get prices from every company you can. This ensures a level playing field and maximum price selection.
A recent study showed that nearly 70% of consumers have remained with the same insurance company for four years or more, and nearly 40% of drivers have never even shopped around for cheaper coverage. Irvine drivers could save an average of nearly 35% each year just by comparing rates, but they assume it’s a waste of time to save money by comparing rate quotes.
Cheapest Scion xB insurance price quotes in Irvine, California
Most companies allow consumers to get coverage prices on the web. Getting quotes for Scion xB insurance in Irvine can be done by anyone because it’s just a matter of typing in the coverages you want into the quote form. After the form is submitted, the system pulls your driving record and credit report and generates pricing information determined by many factors.
The ability to get online quotes for Scion xB insurance in Irvine makes it easy to compare insurance prices and it’s also necessary to perform this step if you are searching for cheaper prices.
To save time and find out how much you’re overpaying now, compare quotes from the companies shown below. To compare your current rates, we recommend you complete the form with the coverages as close as possible to your current policy. This way, you are getting a rate comparison for similar coverage.
The companies in the list below can provide free quotes in California. In order to find the best cheap auto insurance in CA, it’s a good idea that you visit as many as you can to get a more complete price comparison.
Do you qualify for discounts on Scion xB insurance in Irvine?
Auto insurance companies don’t list every discount they offer very clearly, so here is a list both the well known and also the lesser-known discounts that you can inquire about if you buy Irvine car insurance online.
- Driving Data Discount – Policyholders that allow their company to analyze their driving habits by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if they are good drivers.
- Discounts for Federal Employees – Federal government employees could cut as much as 10% off with select insurance companies.
- Buy New and Save – Insuring a new xB is cheaper because new vehicles keep occupants safer.
- Defensive Driver Discounts – Taking a driver safety class could possibly earn you a 5% discount and also improve your driving technique.
- Discounts for Multiple Vehicles – Drivers who insure multiple cars on one policy can get a discount on all vehicles.
As a footnote on discounts, some of the credits will not apply to all coverage premiums. Most only reduce specific coverage prices like liability, collision or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.
The information below shows the comparison of Scion xB insurance prices with and without discounts applied. The premium estimates are based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-car, safe-driver, homeowner, and multi-policy discounts applied.
A list of companies and a summarized list of policyholder discounts are included below.
- The Hartford offers premium reductions for driver training, bundle, defensive driver, anti-theft, and good student.
- American Family offers discounts for good driver, accident-free, early bird, air bags, multi-vehicle, and good student.
- Progressive has savings for homeowner, good student, online quote discount, online signing, multi-policy, and continuous coverage.
- Travelers may include discounts for multi-car, multi-policy, good student, IntelliDrive, new car, and driver training.
- Farmers Insurance may offer discounts for pay in full, alternative fuel, electronic funds transfer, early shopping, and distant student.
- USAA may have discounts that include vehicle storage, defensive driver, safe driver, driver training, and military installation.
- Liberty Mutual includes discounts for exclusive group savings, new vehicle discount, new graduate, teen driver discount, new move discount, and newly retired.
Before buying, ask each company to give you their best rates. All car insurance discounts may not be available in Irvine. To view insurance companies that offer many of these discounts in Irvine, click here to view.
Auto insurance statistics for a Scion xB
The rate table below showcases a range of insurance prices for Scion xB models. Having a good understanding how rate quotes are calculated can be valuable when making smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XB 2WD | $272 | $438 | $534 | $32 | $160 | $1,436 | $120 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Rate quotes do not factor in your specific Irvine location which can alter rates noticeably.
Deductible analysis
When shopping for auto insurance, a common question is where should you set your physical damage deductibles. The following insurance rates approximate the price difference between low and high deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XB 2WD | $342 | $472 | $442 | $26 | $132 | $1,439 | $120 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XB 2WD | $278 | $382 | $442 | $26 | $132 | $1,260 | $105 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Price estimates do not factor in vehicle location which can increase or decrease premium rates significantly.
Based on these figures, using a $250 deductible would cost the average driver about $15 more each month or $180 a year averaged for all xB models than choosing the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you have more than 17 months between claims, you would save money if you elect the higher deductible.
How to determine if a higher deductible is a good idea
| Average monthly premium for $250 deductibles: | $120 |
| Average monthly premium for $500 deductibles (subtract): | – $105 |
| Monthly savings from raising deductible: | $15 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $15 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
One big caveat is that a higher deductible level means you will have to cover more of the damage yourself when you have to file a claim. You need to have enough extra savings in the event you need to pay the higher deductible in order to repair your vehicle.
The illustration below shows how choosing a deductible and can change Scion xB insurance prices for different ages of insureds. The rate quotes are based on a married male driver, full coverage, and no policy discounts are applied.
Comparison of full coverage and liability-only policies
The diagram below illustrates the difference between Scion xB car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The prices are based on no violations or accidents, $100 deductibles, drivers are single, and no discounts are factored in.
Guidelines for dropping full coverage
There is no definitive rule of when to stop paying for physical damage coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.
For example, let’s pretend your Scion xB book value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $6,000 after you pay the deductible. If you are paying over $600 annually for physical damage coverage, then it may be the right time to buy liability only.
There are a few cases where removing full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not remove full coverage.
Irvine Insurance Prices are Influenced by These Factors
An important part of buying insurance is that you know the rating factors that go into determining your car insurance rates. If you understand what determines premiums, this enables informed choices that will entitle you to big savings.
The list below includes a partial list of the pieces utilized by car insurance companies to help set prices.
Pay more by driving carelessly – How you drive has a huge affect on how much you pay. Drivers with clean records pay lower auto insurance prices as compared to those with violations. Even one speeding ticket or other violation could increase your next policy renewal substantially. Drivers who have received flagrant tickets like reckless driving or DUI are required to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to drive a vehicle legally.
The information below shows how speeding tickets and at-fault collisions can impact Scion xB premium costs for each age group. The rate quotes are based on a married male driver, full coverage, $100 deductibles, and no policy discounts are applied.
Frequent policy claims increase prices – Auto insurance companies in California generally give the best rates to drivers who are not frequent claim filers. If you file claims often, you can definitely plan on either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for claims that pose a financial burden.
Having a spouse equates to better prices – Getting married can actually save you money compared to being single. Having a significant other may mean you are more financially stable and statistics show married drivers tend to file fewer claims.
Do you know you’re credit score? – Having a bad credit score is a large factor in your rate calculation. Drivers with excellent credit scores tend to be more responsible than those with bad credit. Therefore, if your credit is not that good, you could potentially save money when insuring your Scion xB by repairing your credit.
Your car’s features help determine rates – Selecting a car model that has an advanced theft prevention system can save you a little every year. Theft prevention features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping vehicle theft.
Scion xB claim probability – Auto insurance companies use past loss statistics for each vehicle to calculate a rate that will offset losses. Vehicles that tend to have a trend towards higher claims will be charged more to insure. The table below illustrates the loss history for Scion xB vehicles.
For each policy coverage, the claim probability for all vehicles, regardless of manufacturer or model, is represented as 100. Numbers that are below 100 are indicative of better than average losses, while percentage values above 100 indicate a higher chance of having a claim or an increased chance of a larger loss.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Scion xB | 86 | 92 | 89 | 148 | 127 | 116 |
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
You may require the services of an insurance agent
Some people just prefer to talk to an insurance agent and that is a smart decision A good thing about comparing auto insurance online is that drivers can save money and get lower rates but also keep your business local.
Once you complete this simple form, your insurance data gets sent to local insurance agents who want to provide quotes for your coverage. It simplifies rate comparisons since you won’t have to contact an agency as quotes are delivered directly to your email. You can get cheaper auto insurance rates without a big time investment. If you want to get a rate quote from a specific insurance company, just go to their quote page and fill out the quote form the provide.
Choosing the best company should depend on more than just the bottom line cost. Any agent in Irvine should be forthright in answering these questions:
- Is coverage determined by price?
- How much will you save each year by using a higher deductible?
- How much training do they have in personal risk management?
- What insurance companies do they work with in Irvine?
- Is the agency covered by Errors and Omissions coverage?
If you are wanting to find an insurance agent, you must know there are a couple types of insurance agents and how they are distinctly different. Auto insurance agencies can be described as either independent agents or exclusive agents.
Exclusive Insurance Agents
Agents that elect to be exclusive can only quote rates from one company such as Allstate, Farmers Insurance or State Farm. Exclusive agents are unable to shop your coverage around so they are skilled at selling on more than just price. Exclusive agents are highly trained in insurance sales and that enables them to sell even at higher rates. Some consumers prefer to purchase coverage from exclusives primarily because of high brand loyalty and the convenience of having all coverages with one company.
The following are exclusive insurance agencies in Irvine willing to provide rate quotes.
- Farmers Insurance – Al Kash
17702 Mitchell N – Irvine, CA 92614 – (949) 216-3620 – View Map - Steven Wang – State Farm Insurance Agent
15333 Culver Dr #130 – Irvine, CA 92604 – (949) 552-3600 – View Map - State Farm: Jim Canty
3200 El Camino Real #110 – Irvine, CA 92602 – (949) 769-2600 – View Map
Independent Agencies or Brokers
Agents in the independent channel are not employed by one company and that enables them to quote your coverage through lots of different companies and find the cheapest auto insurance rates. If your premiums go up, the agent simply finds a different carrier and you stay with the same agent.
When comparing rate quotes, you need to contact at least one independent agent in order to compare the most rates. Many can place coverage with smaller regional carriers who may have lower rates.
The following is a list of independent agents in Irvine who can help you get price quote information.
- AIS | Auto Insurance Specialists | Irvine
16969 Von Karman Ave #100 – Irvine, CA 92606 – (949) 660-7061 – View Map - Gardner Insurance Orange County
4952 Warner Ave – Huntington Beach, CA 92649 – (714) 846-4231 – View Map - Professional Choice Insurance
2151 Michelson Dr Suite 250 – Irvine, CA 92612 – (714) 467-8726 – View Map
If you receive positive feedback for all questions you ask as well as low cost Scion xB insurance quotes, you may have just found an insurance agency that will insure your vehicles. Keep in mind policyholders can cancel a policy at any time so don’t think you’re contractually obligated to a specific agent with no way to switch.
Will just any policy work for me?
When quoting and comparing coverage online or from an agent, there isn’t really a one-size-fits-all type of policy. Every situation is different.
For instance, these questions might point out whether your personal situation might need professional guidance.
- Is extra glass coverage worth it?
- Do I get a pro-rated refund if I cancel my policy early?
- Does car insurance cover theft of personal property?
- Does my personal policy cover me when driving out-of-state?
- When should I remove comp and collision on my Scion xB?
- Will damage be repaired with OEM parts?
If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form.
Which auto insurance company is best in Irvine?
Ending up with a good quality insurance provider can be a challenge considering how many different companies insure vehicles in Irvine. The information displayed below may help you select which auto insurers you want to consider when shopping your coverage around.
Top 10 Irvine Car Insurance Companies Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Shop smart and save
Some companies may not offer internet price quotes and most of the time these smaller companies work with independent agents. The cheapest Scion xB insurance in Irvine is available online as well as from independent agents in Irvine, and you should compare rates from both to have the best selection.
Drivers leave their current company for a number of reasons such as delays in responding to claim requests, extreme rates for teen drivers, policy non-renewal and denial of a claim. Regardless of your reason, choosing a new insurance company is not as difficult as it may seem.
When trying to cut insurance costs, make sure you don’t sacrifice coverage to reduce premiums. There are many occasions where someone sacrificed collision coverage and discovered at claim time that it was a big mistake. Your goal should be to find the BEST coverage at the best cost and still be able to protect your assets.
More detailed car insurance information is located in the articles below:
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- What Insurance is Cheapest for a Ford Fusion in Irvine? (FAQ)
- Your Car has been Stolen: Now What? (Allstate)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)