Cheapest Scion xD Insurance in Chula Vista

Insurance for Scion xDAstonishing but true according to a recent study, the vast majority of auto insurance customers have bought auto insurance from the same company for over three years, and 38% of customers have never even compared quotes to find lower-cost rates. Many consumers in Chula Vista could save roughly 35% each year, but most tend to underestimate the large savings they would see if they switched to a more affordable policy.

The best way we recommend to get affordable Scion xD insurance is to regularly compare prices from insurance carriers in Chula Vista.

A good tip to remember is to use the same deductibles and limits on each quote request and to quote with as many companies as feasibly possible. This ensures the most accurate price comparison and the best rate selection.

The quickest method we recommend to get policy rate comparisons for Scion xD insurance in Chula Vista is to know the fact most larger insurance companies have advanced systems to give free rates quotes. To start a quote, the only thing you need to do is give the companies some data like whether you drive to work or school, an estimate of your credit level, if you’re married, and your occupation. That rating data is submitted instantly to multiple different insurance companies and they return cost estimate very quickly.

If you would like to start a quote now, click here and enter the information requested.

The companies shown below provide price quotes in California. If you wish to find the cheapest car insurance in Chula Vista, CA, it’s highly recommended you get rate quotes from several of them to get the best price comparison.

Coverage information

The rate information shown next outlines estimates of rate quotes for Scion xD models. Having a good grasp of how prices are formulated can benefit drivers when making decisions on which insurance to purchase.

Scion xD Insurance Rates in Chula Vista, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XD 4-Dr Hatchback $302 $632 $456 $26 $136 $1,552 $129
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Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Rates do not factor in the specific area where the vehicle is garaged which can increase or decrease insurance rates greatly.

Higher deductibles save money

When shopping for car insurance, a common question is how high should the deductibles for physical damage be. The tables below sum up the differences in price when you choose different policy deductibles. The first rate table uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.

Scion xD insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XD 4-Dr Hatchback $298 $576 $442 $26 $132 $1,499 $125
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Scion xD insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XD 4-Dr Hatchback $242 $464 $442 $26 $132 $1,306 $109
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Estimates do not factor in Chula Vista location which can impact auto insurance rates noticeably.

Based on the above data, using a $250 deductible could cost the average driver approximately $16 more each month or $192 each year across all Scion xD models than quoting the higher $500 deductible. Since the policyholder would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you go at a minimum 16 months between claim filings, you would probably be better off by going with a higher deductible. The numbers below show how this determination is made.

Average monthly premium for $250 deductibles: $125
Average monthly premium for $500 deductibles (subtract): – $109
Monthly savings from raising deductible: $16
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

An important thing to remember is that increasing deductibles to lower your rates means you will have to pay more when you have to file a claim. You must have some money saved in the event you need to pay the deductible.

The diagram below highlights how deductible choice and can influence Scion xD premium costs for different age groups. The premium estimates are based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.

The Scion xD Insurance Premium Equation

It’s important that you understand some of the things that are used to determine auto insurance rates. When consumers understand what determines premiums, this helps enable you to make changes that could result in big savings.

Listed below are some of the most rate-impacting factors used by your company to calculate premiums.

Save money with GPS tracking and theft deterrents – Buying a car that has an advanced theft prevention system can save you a little every year. Systems that thwart thieves such as OnStar, LoJack tracking, and tamper alarms help track and prevent vehicle theft.

Raise your comp and collision deductibles for better rates – Deductibles for physical damage define the amount you are willing to pay before a claim is paid by your company. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some coverage claims could be rear-ending another vehicle, damage caused by hail, and damage caused by road hazards. The larger the amount you pay before a claim is paid (deductible), the lower your rates will be.

File claims and pay more – Auto insurance companies in California generally give the best rates to people who do not file claims often. If you tend to file frequent claims, you can pretty much guarantee higher premiums or even policy non-renewal. Insurance coverage is intended to be relied upon for the large, substantial claims.

Cautious drivers have lower rates – Just one citation can bump up the cost by as much as thirty percent. Drivers who don’t get tickets pay lower auto insurance prices as compared to careless drivers. Drivers who have gotten flagrant citations such as DUI or willful reckless driving may need to file a SR-22 with their state DMV in order to drive a vehicle legally.

The information below shows how violations and at-fault collisions raise Scion xD car insurance costs for different age groups of insureds. Data assumes a married female driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.

Premiums are affected by your credit rating – Credit rating is a large factor in determining your rates. People with excellent credit tend to be more responsible as compared to drivers with poor credit scores. So if your credit is lower than you’d like, you could pay less to insure your Scion xD by improving your credit score.

Does auto insurance cost more for men? – Over time, data shows that females take fewer risks when driving. The data does not necessarily mean that women are better drivers. Females and males have accidents in similar percentages, but men get into accidents with more damage. Men also receive more costly citations like DWI (DUI) or reckless driving.

The illustration below shows the comparison of Scion xD insurance premiums for male and female drivers. The rate quotes are based on no claims or driving violations, full coverage, $1,000 deductibles, drivers are not married, and no discounts are applied.

Save by driving safer cars – Cars with high safety ratings are cheaper to insure. Vehicles engineered for safety have better occupant injury protection and reduced instances of injuries translates into savings for insurance companies and lower rates for you. If your Scion xD scored at minimum four stars on or an “acceptable” rating on you may be receiving a better rate.

Performance makes a difference – The performance level of the car or truck you are buying insurance for makes a significant difference in your auto insurance rates. The lowest rates are usually found on low performance passenger cars, but there are many factors that impact the final cost.

The chart below uses these assumptions: single male driver age 20, full coverage with $500 deductibles, and no discounts or violations. It compares Scion xD rates compared to other models that have different performance rating factors.

Three reasons to not skimp on insurance

Despite the fact that insurance is not cheap in Chula Vista, buying insurance is not optional due to several reasons.

The benefits of insuring your xD definitely exceed the cost, especially when you need to use it. On average, a vehicle owner in Chula Vista is overpaying over $865 each year so you should quote rates at every policy renewal to make sure the price is not too high.

California auto insurance companies ranked

Choosing the best insurer can be rather challenging considering how many companies are available to choose from in Chula Vista. The company ratings listed below may help you pick which car insurance companies to look at when shopping around.

Best Auto Insurance Companies in Chula Vista
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies