Vehicle owners that are new to comparison shopping online are likely to discover purchasing cheaper xD insurance is more work than they anticipated.
Unbelievably, nearly 70% of drivers kept their policy with the same company for more than four years, and nearly 40% of drivers have never even compared quotes to find affordable rates. The average driver in Columbia can save approximately 55% each year by just shopping around, but most undervalue the actual amount they would save if they replace their high priced policy.
Companies offering Scion xD insurance in Columbia
The companies shown below are our best choices to provide price quotes in South Carolina. If multiple companies are listed, we suggest you visit two to three different companies in order to find the most affordable rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|XD 4-Dr Hatchback||$180||$404||$444||$26||$132||$1,186||$99|
|Get Your Own Custom Quote Go|
Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Information does not factor in specific zip code location which can increase or decrease premiums noticeably.
Auto insurance premiums based on gender
The diagram below shows the difference between Scion xD premium costs for male and female drivers. The premium estimates are based on no claims or violations, comprehensive and collision coverage, $1,000 deductibles, drivers are single, and no policy discounts are applied.
Lower-cost Scion xD insurance in Columbia
Insurance is expensive, but you might be missing out on some discounts that you may not even be aware of. Some trigger automatically when you complete an application, but some may not be applied and must be manually applied prior to receiving the credit. If you check and find you aren't receiving every discount possible, you are throwing money away.
- Club Memberships - Being a member of a professional or civic organization is a simple method to lower premiums on your next insurance statement.
- Passive Restraints and Air Bags - Cars that have air bags or motorized seat belts may qualify for discounts of more than 20%.
- Theft Prevention System - Cars and trucks that have factory anti-theft systems are stolen less frequently and can earn a small discount on your policy.
- Good Student - Performing well in school can save 20 to 25%. You can use this discount normally up until you turn 25.
- Save with More Vehicles Insured - Buying coverage for multiple vehicles with the same company can get a discount on all vehicles.
One last thing about discounts, some of the credits will not apply to the entire cost. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, companies wouldn't make money that way.
To locate insurance companies that can offer you the previously mentioned discounts in South Carolina, click this link.
How You Can Control Scion xD Insurance Premiums
Many different elements are taken into consideration when pricing auto insurance. Some are pretty understandable such as your driving history, although others are less obvious like your vehicle usage or your vehicle rating.
The itemized list below are some of the things utilized by car insurance companies to help set your rate level.
- How do annual miles impact prices? - Driving more miles in a year the higher the price you pay to insure it. A lot of insurance companies charge to insure your cars based on how the vehicle is used. Vehicles not used for work or commuting cost less to insure than vehicles that have high annual mileage. Having an incorrect usage rating on your xD can result in significantly higher rates. Double check that your car insurance coverage correctly shows how each vehicle is driven.
- Performance impacts rates - The type of car, truck or SUV you need to insure makes a huge difference in how high your rates are. Since the Scion xD falls in the micro-subcompact class, insuring your vehicle will cost slightly less when compared to the average rates in Columbia. Lower performance four cylinder passenger vehicles usually have the lowest rates, but the cost you end up paying is determined by many additional factors.
- With age comes responsibility - Older people tend to be more responsible, tend to file fewer claims, and get fewer tickets.Teen drivers have a tendency to be more careless with other occupants in the car so car insurance rates are higher.
- Why do you need liability? - Liability insurance is the coverage that protects you if ever you are ruled to be at fault for physical damage or personal injury to other. Your policy's liability insurance provides legal defense coverage to attempt to prove you were not liable. It is affordable coverage compared to physical damage coverage, so buy as much as you can afford.
- Never go without car insurance - Letting your insurance expire is a fast way to trigger a rate increase. Not only will rates go up, being ticketed for driving with no insurance could result in a revoked license or a big fine.
What if I want to buy from local Columbia auto insurance agents?
A small number of people would prefer to have an agent's advice and that is recommended in a lot of cases A nice benefit of getting free rate quotes online is the fact that drivers can get lower auto insurance rates but still work with a licensed agent.
For easy comparison, once you complete this form (opens in new window), the quote information is immediately sent to companies in Columbia who will gladly provide quotes and help you find cheaper coverage. You won't need to leave your house since rate quotes are delivered immediately to you. Get lower rates AND an agent nearby. If you wish to compare prices from a specific insurance company, feel free to go to their quote page and complete a quote there.
Choosing the best insurer requires you to look at more than just a cheap price quote. Here are some questions to ask:
- Is auto insurance their primary focus in Columbia?
- Is assistance available after office hours?
- Are they paid to recommend certain coverages?
- Will the agent or a CSR service your policy?
- Do they offer rental car reimbursement?
- Are you getting all the discounts the company offers?
- Do the agents have professional certifications like CPCU or CIC?
- Is the coverage adequate for your vehicle?
Shown below is a short list of auto insurance companies in Columbia that can give you comparison quotes for Scion xD insurance in Columbia.
- Driver's Choice Insurance
607 Meeting St - West Columbia, SC 29169 - (803) 387-0712 - View Map
- Sauls Insurance Agency
4064 W Beltline Blvd - Columbia, SC 29204 - (803) 256-8983 - View Map
- GEICO Insurance Agent
504 Gervais St - Columbia, SC 29201 - (803) 250-4930 - View Map
- Insurit Insurance Agency
4001 Edmund Hwy - West Columbia, SC 29170 - (803) 755-0543 - View Map
You can lower your insurance rates
People change insurance companies for a variety of reasons including extreme rates for teen drivers, policy non-renewal, being labeled a high risk driver and an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding a new insurance company is actually quite simple.
As you go through the steps to switch your coverage, you should never skimp on coverage in order to save money. In too many instances, an insured cut liability limits or collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy the best coverage you can find at a price you can afford, but do not sacrifice coverage to save money.
There are still a few companies who may not provide online quoting and these regional carriers only sell through independent agents. Discount Scion xD insurance is available from both online companies as well as from insurance agents, and you need to price shop both so you have a total pricing picture.
Additional information can be found on the following sites:
- Distracted Driving (Insurance Information Institute)
- Who Has Cheap Car Insurance for Inexperienced Drivers in South Carolina? (FAQ)
- Who Has the Cheapest Auto Insurance for Drivers Over Age 50 in South Carolina? (FAQ)
- What is the Best Car Insurance in Simpsonville, SC? (FAQ)
- Who Has Cheap Car Insurance Quotes for Drivers with Good Credit in South Carolina? (FAQ)
- What Car Insurance is Cheapest for First-time Drivers in South Carolina? (FAQ)
- Who Has Cheap Auto Insurance Rates for a Jeep Grand Cherokee in South Carolina? (FAQ)
- How Much is Auto Insurance for Single Moms in South Carolina? (FAQ)
- What Auto Insurance is Cheapest in Mount Pleasant, South Carolina? (FAQ)
- Vehicle Insurance (Wikipedia)
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- Can I Drive Legally without Insurance? (Insurance Information Institute)