Do you need a fast way to compare the cheapest Scion xB insurance in Detroit? Locating low-cost insurance for a Scion xB in Michigan can normally be an all-consuming task, but you can learn our auto insurance buying tips and make it easy. There are more efficient ways to compare auto insurance rates so you’re going to learn the best way to compare rates for your Scion and get the lowest price from both online companies and Detroit agents.
It’s a good idea to take a look at other company’s rates every six months because insurance prices fluctuate regularly. Just because you found the lowest rates on Scion xB insurance in Detroit at your last renewal there is a good chance you can find better rate quotes now. Block out anything you think you know about auto insurance because you’re about to find out one of the best ways to find great coverage at a great price.
Finding cheaper Detroit auto insurance quotes can be quick and easy. All that’s required is to invest a little time getting comparison quotes online with multiple companies.
The providers in the list below have been selected to offer price comparisons in Michigan. To locate cheap car insurance in Detroit, MI, we suggest you compare several of them to get the best price comparison.
Cheaper rates on Scion xB insurance in Detroit with these auto insurance discounts
Auto insurance is not inexpensive, but there are discounts available that you may not even know about. Some trigger automatically when you purchase, but some must be requested specifically before you will receive the discount.
- Life Insurance Discount – Some insurance companies give a discounted auto insurance rate on car insurance if you buy a life insurance policy as well.
- Government Employee Discount – Federal government employees may reduce rates when you quote Detroit car insurance with some auto insurance companies.
- ABS and Traction Control Discounts – Vehicles that have steering control and anti-lock brakes prevent accidents so companies give up to a 10% discount.
- Multiple Cars – Having several vehicles with the same auto insurance company can reduce the rates for all insured vehicles.
- No Charge for an Accident – This isn’t a discount exactly, but some insurance companies will turn a blind eye to one accident before raising your premiums as long as you don’t have any claims for a certain period of time.
- Low Mileage Discounts – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
- Passenger Safety Discount – Cars that have air bags can receive discounts of up to 25% or more.
- Discount for Multiple Policies – If you have multiple policies and insure them both with the same insurance company you will save over 10 percent off each policy depending on the company.
- Good Driver Discounts – Insureds without accidents could pay up to 40% less than their less cautious counterparts.
- Senior Citizen Discount – Seniors may qualify for a discount up to 10%.
Remember that many deductions do not apply to the entire cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, you aren’t that lucky.
The chart below visualizes the comparison of Scion xB yearly insurance costs with and without discounts applied. The premiums are based on a female driver, a clean driving record, no at-fault accidents, Michigan state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, multi-car, claim-free, safe-driver, and homeowner discounts applied.
Large auto insurance companies and their possible discounts are detailed below.
- Progressive discounts include multi-policy, online signing, multi-vehicle, online quote discount, homeowner, and good student.
- SAFECO includes discounts for drive less, multi-car, anti-theft, homeowner, safe driver, and anti-lock brakes.
- American Family offers premium reductions for air bags, early bird, TimeAway discount, multi-vehicle, bundled insurance, and good student.
- MetLife may include discounts for claim-free, accident-free, multi-policy, defensive driver, and good driver.
- GEICO policyholders can earn discounts including seat belt use, five-year accident-free, multi-policy, good student, air bags, driver training, and anti-lock brakes.
- The Hartford may offer discounts for anti-theft, bundle, good student, driver training, defensive driver, air bag, and vehicle fuel type.
If you want the cheapest Scion xB rate quotes, ask every insurance company which discounts you qualify for. All car insurance discounts might not be offered on policies in your area. To view insurance companies who offer cheap Scion xB insurance quotes in Michigan, click here to view.
Rates and statistics
The premium information displayed below outlines a range of insurance premium costs for Scion xB models. Having knowledge of how premiums are determined can help you make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XB 2WD | $284 | $456 | $780 | $46 | $234 | $1,800 | $150 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Michigan minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Premium amounts do not factor in specific garaging location which can lower or raise auto insurance rates noticeably.
Should you raise deductibles?
One common question asked by Detroit drivers is what deductibles to buy. The following tables illustrate the cost difference of buying low and high comp and collision deductibles. The first set of prices uses a $250 comprehensive and collision deductible and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XB 2WD | $534 | $738 | $690 | $40 | $206 | $2,233 | $186 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XB 2WD | $330 | $464 | $690 | $40 | $206 | $1,730 | $144 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Michigan minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Table data does not factor in garaging location in Detroit which can influence price quotes substantially.
We can derive from the above data that using a $250 deductible costs about $42 more each month or $504 each year than selecting the higher $1,000 deductible. Because you would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you have more than 18 months between claim filings, you would probably save some money by going with a higher deductible. The numbers below show an example of how you can make your own decision.
| Average monthly premium for $250 deductibles: | $186 |
| Average monthly premium for $1,000 deductibles (subtract): | – $144 |
| Monthly savings from raising deductible: | $42 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $42 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
Local neighborhood Detroit car insurance agents
Some consumers still prefer to get advice from a local agent and often times that is recommended Good insurance agents are trained risk managers and help file insurance claims. The biggest benefit of comparing insurance prices online is the fact that you can find cheap car insurance quotes but also keep your business local.
After filling out this form (opens in new window), the quote information is instantly submitted to agents in your area that provide free Detroit car insurance quotes and help you find cheaper coverage. It’s much easier because you don’t need to visit any agencies since rate quotes are delivered immediately to you. If you want to compare prices from one company in particular, just jump over to their website and fill out their quote form.
Picking the best company requires you to look at more than just a cheap price. Ask your prospective agent these questions:
- Is coverage determined by price?
- Does the company allow you to choose your own collision repair facility?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Do you qualify for any additional discounts?
- Who is covered by the car insurance policy?
- Where would glass claims be handled in Detroit?
- Has the agent ever had any license suspensions?
- Do you work with a CSR or direct with the agent?
Choose the right auto insurance agent
If you want to use a reliable insurance agency, it helps to know the two different agency structures to choose from. Agents may be either exclusive or independent (non-exclusive). Either type can sell car insurance policies, but it’s a good idea to understand how they differ since it can impact your selection of an agent.
Exclusive Insurance Agents
Exclusive agencies can usually just insure with one company like American Family, State Farm, and Allstate. They are unable to provide rate quotes from other companies so you need to shop around if the rates are high. Exclusive agents are very knowledgeable on their company’s products and that allows them to sell at a higher price point. Consumers often buy from the same agent for years primarily because of the prominent brand name instead of buying on price only.
Shown below are Detroit exclusive agents who can help you get rate quotes.
- Allstate Insurance: Ago Benavides
3570 W Vernor Hwy – Detroit, MI 48216 – (313) 849-2000 – View Map - Michelle Sims – State Farm Insurance Agent
24970 W Outer Dr – Lincoln Park, MI 48146 – (313) 928-1348 – View Map - State Farm – Eric Huffman
3031 W Grand Blvd #568 – Detroit, MI 48202 – (313) 875-3172 – View Map
Independent Agents
Independent agencies are not restricted to one company so they can quote policies with an assortment of companies and get the cheapest rates. If your premiums go up, they simply move the coverage in-house and you don’t have to find a new agent.
If you are comparing car insurance prices, you will definitely want to check rates from independent agents in order to compare the most rates. Many independent agencies also insure through companies that do not advertise much which can save you money.
The following are independent insurance agencies in Detroit willing to provide rate quotes.
- Kim-One Insurance Agency
11000 W McNichols Rd – Detroit, MI 48221 – (313) 397-4198 – View Map - C B Irwin Insurance
2357 W Grand Blvd – Detroit, MI 48208 – (313) 894-2144 – View Map - Insurance Services of Michigan
615 Griswold St Griswold – Detroit, MI 48226 – (313) 963-7170 – View Map
Insurance agents can help
When choosing your policy, there really isn’t a perfect coverage plan. Everyone’s situation is unique so this has to be addressed.
For instance, these questions could help you determine if you may require specific advice.
- Should I buy additional glass protection?
- How much liability coverage do I need in Michigan?
- Is borrowed equipment or tools covered if stolen or damaged?
- Is a new car covered when I drive it off the dealer lot?
- At what point should I drop full coverage?
- Am I covered if I back into my garage door?
- Can I use my car for my catering business?
- If I drive on a suspended license am I covered?
If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.
Six Things That Influence Your Insurance Prices
Many things are taken into consideration when premium rates are determined. Most are fairly basic such as traffic violations, although some other factors are not as apparent such as whether you are married or how safe your car is. A large part of saving on car insurance is knowing some of the elements that help determine your premiums. When consumers understand what influences your rates, this enables you to make decisions that may result in much lower annual insurance costs.
The factors shown below are a few of the “ingredients” used by companies to determine your prices.
Deter theft and pay less – Buying a car that has an advanced theft prevention system can save you some money. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping vehicle theft.
Liability limits on your policy – Your car insurance policy’s liability coverage provides coverage if you are ruled to be at fault for personal injury or accident damage. Your liability coverage provides for a legal defense to defend your case. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so drivers should carry high limits.
Performance influences insurance costs – The type of car you are trying to find cheaper insurance for makes a substantial difference in the rate you pay. Lower cost passenger cars usually are quite affordable to insure, but other factors influence the final cost greatly.
The following chart is based on a married female driver age 40, full coverage with $250 deductibles, and no discounts or violations. The chart compares Scion xB insurance rates compared to other vehicles that have different risk factors.
Raise comp and collision deductibles and save – The deductibles you choose state the amount of money you are required to spend in the event of a claim. Physical damage protection, also called comprehensive and collision insurance, covers damage that occurs to your car. Some coverage claims would be a windshield broken by a bird, vandalism, or theft of your vehicle. The more money you pay before a claim is paid (deductible), the bigger discount you will receive.
Vehicles with better crash test results cost less to insure – Cars with high safety ratings tend to have better insurance rates. Safer cars reduce injuries and fewer injuries means lower claim amounts which can mean better rates for you.
Rates may be higher where you live – Living in a small town is a good thing when trying to find low car insurance rates. City drivers regularly have much more traffic and longer commutes to work. Less people corresponds to lower accident rates in addition to lower liability claims.
Scion xB claim statistics – Insurance companies use past loss statistics for each vehicle to calculate a rate that will offset any claims. Vehicles that statistically have a trend towards higher claim severity or frequency will cost more to insure. The data below shows the collected loss data for Scion xB vehicles.
For each policy coverage, the loss probability for all vehicles averaged together equals 100. Percentage values below 100 suggest a better than average loss history, while values over 100 indicate higher probability of having a loss or an increased chance of larger losses than average.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Scion xB | 86 | 92 | 89 | 148 | 127 | 116 |
Statistics from IIHS.org for 2013-2015 Model Years
Insurance just makes sense
Despite the high cost of buying insurance for a Scion xB in Detroit, buying insurance may not be optional for several reasons.
- Just about all states have compulsory liability insurance requirements which means you are required to carry a specific minimum amount of liability coverage if you want to drive legally. In Michigan these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Scion has a lienholder, almost all lenders will force you to have insurance to guarantee their interest in the vehicle. If you do not keep the policy in force, the bank may insure your Scion at a more expensive rate and require you to reimburse them for it.
- Insurance protects not only your Scion xB but also your assets. Insurance will pay for all forms of medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage will also pay to defend you if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, your insurance policy will pay all costs to repair after the deductible has been paid.
The benefits of insuring your xB definitely exceed the price paid, especially for larger claims. But the average American driver is wasting up to $825 a year so compare rates each time the policy renews to make sure the price is not too high.
Quote. Compare. Save.
As you restructure your insurance plan, do not reduce needed coverages to save money. There are many occasions where an insured dropped uninsured motorist or liability limits and learned later that they should have had better coverage. Your focus should be to buy enough coverage for the lowest cost.
Discount Scion xB insurance in Detroit can be sourced online as well as from independent agents in Detroit, so you need to shop Detroit car insurance with both to have the best rate selection. A few companies may not offer online quoting and these regional insurance providers sell through independent agencies.
Steps to finding low-cost rates for Scion xB insurance in Detroit
To save the most money, the best way to find discount Scion xB insurance in Detroit is to regularly compare prices from providers in Michigan. Rates can be compared by completing these steps.
- First, try to learn a little about coverages and the things you can change to drop your rates. Many factors that are responsible for high rates like high-risk driving behaviors and a not-so-good credit history can be eliminated by being financially responsible and driving safely.
- Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from a single company like GEICO or Allstate, while independent agents can provide price quotes from multiple companies.
- Third, compare the new rates to the premium of your current policy to see if a cheaper rate is available in Detroit. If you find a lower rate quote and buy the policy, make sure coverage is continuous and does not lapse.
- Fourth, notify your current company of your decision to cancel the current policy. Submit the required down payment along with the signed application to the new company. Once received, safely store the certificate of insurance in an easily accessible location.
A good tip to remember is to make sure you’re comparing identical coverages on each quote request and and to get price estimates from all possible companies. Doing this provides a level playing field and and a good selection of different prices.
To read more, feel free to browse the resources below:
- Safety Features for Your New Car (State Farm)
- What Car Insurance is Cheapest for Safe Drivers in Detroit? (FAQ)
- What Insurance is Cheapest for Low Mileage Drivers in Detroit? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for College Students in Detroit? (FAQ)
- What Auto Insurance is Cheapest for Low Credit Scores in Detroit? (FAQ)
- What is the Cheapest Auto Insurance in Detroit, Michigan? (FAQ)
- What is the Best Car Insurance in Detroit? (DetroitInsure.com)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Drunk Driving Statistics (Insurance Information Institute)
- Reducing Your Risks in a Car Crash Video (iihs.org)