Cheapest Insurance for a Scion tC in Tampa

It’s safe to assume that insurance companies don’t want their policyholders to compare prices. Drivers who get comparison quotes at least once a year will presumably buy a new policy because there are good odds of finding good coverage at a lower price. A survey found that people who made a habit of comparing rate quotes saved an average of $3,500 over four years as compared to drivers who don’t regularly compare prices.

If finding budget-friendly auto insurance is your target objective, then having a good understanding how to quote prices and compare cheaper coverage can help make the process easier and more efficient.

Insurance for Scion tCThe easiest way to get affordable auto insurance rates in Tampa is to regularly compare quotes from companies in Florida. You can compare prices by following these guidelines.

  1. Try to learn about auto insurance and the things you can control to prevent expensive coverage. Many rating factors that result in higher prices such as at-fault accidents, speeding tickets, and an imperfect credit score can be rectified by making minor changes in your lifestyle.
  2. Compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO or State Farm, while agents who are independent can provide rate quotes for a wide range of companies. View a list of agents
  3. Compare the new rate quotes to your current policy premium to see if cheaper tC coverage is available in Tampa. If you can save money and switch companies, ensure coverage does not lapse between policies.

An essential thing to point out is that you use the same coverage limits and deductibles on each price quote and to quote with as many companies as you can. This guarantees a fair price comparison and and a good selection of different prices.

Buy Scion tC Insurance for Less

An important part of buying insurance is that you know the different types of things that come into play when calculating your premiums. When consumers understand what impacts premium levels, this enables you to make decisions that may result in cheaper rates.

The itemized list below are some of the most common factors utilized by car insurance companies to help set your prices.

Compare Tampa Scion tC insurance quotes

The companies shown below have been selected to offer free rate quotes in Tampa, FL. In order to find cheap car insurance in Tampa, it’s highly recommended you visit several of them in order to find the most affordable rates.

Coverage analysis

The premium table displayed below showcases different coverage prices for Scion tC models. Having a better idea how prices are formulated can help you make smart buying decisions.

Scion tC Insurance Rates in Tampa, 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 multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Prices do not factor in garaging location in Tampa which can increase or decrease price quotes noticeably.

Physical damage deductibles: Should you raise them?

When comparing insurance rates, the most common question is the level to set your comp and collision deductibles. The figures shown below can help show the rate differences of buying low and high policy deductibles. The first rate estimation uses a $250 comprehensive and collision deductible and the second price grid uses a $1,000 deductible.

Scion tC insurance policy rates 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 policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TC 2-Dr Hatchback $200 $464 $522 $30 $156 $1,372 $114
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rate quotes do not factor in specific location information which can impact insurance rates greatly.

We can derive from the above data that using a $250 deductible could cost the average driver approximately $35 more each month or $420 annually averaged for all tC models than buying the higher $1,000 deductible. Since you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 21 months between claim filings, you would save more money if you elect the higher deductible.

Why you need insurance for your vehicle

Even though it can be expensive, insurance is required in Florida but also provides important benefits.

The benefits of having auto insurance greatly outweigh the cost, specifically if you ever have a liability claim. But the average driver in Florida is wasting up to $825 a year so it’s recommended you shop around at least once a year to help ensure money is not being wasted.

Verify you’re getting every discount

Insurance can be prohibitively expensive, but you may be missing some discounts that could help you make your next renewal payment. Some discounts apply automatically at the time of quoting, but some need to be asked for prior to receiving the credit.Save money with discounts

You should keep in mind that many deductions do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

The example below shows the comparison of Scion tC premium costs with and without discounts applied. The prices are based on a male driver, a clean driving record, no claims, Florida state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, marriage, claim-free, multi-policy, and multi-car discounts applied.

The best auto insurance companies and their offered discounts are included below.

When comparing rates, check with every insurance company which discounts they offer. Depending on the company, some discounts might not be offered on policies in your state.

Are insurance agents obsolete?

A small number of people just want to sit down and talk to an agent and that is just fine! Good insurance agents will help you protect your assets and give you someone to call. A nice benefit of comparing rate quotes online is the fact that you can find cheap car insurance quotes and still have an agent to talk to. And buying from local insurance agents is definitely important in Tampa.

Insurance agents in TampaBy using this quick form, your coverage information is submitted to participating agents in Tampa that provide free Tampa auto insurance quotes to get your business. It simplifies rate comparisons since you won’t have to drive around since price quotes are sent to you. If for some reason you want to compare prices for a specific company, you would need to search and find their rate quote page and complete a quote there.

Independent or Exclusive: It’s your choice

If you want a local Tampa insurance agent, it can be helpful to understand the types of insurance agents and how they work. Car insurance agencies may be either independent (non-exclusive) or exclusive. Either can write car insurance policies, but it’s a good idea to understand the difference in the companies they write for because it can impact your selection of an agent.

Independent Car Insurance Agencies

Agents that elect to be independent are not employed by any specific company so they can quote policies with lots of companies and find you the best rates. If they quote lower rates, they simply move your policy to a different company without you having to go to a different agency.

When comparing car insurance rates, you will want to get insurance quotes from independent agents for the best price selection. They often place coverage with small regional insurance companies which can save you money.

The following is a list of independent agents in Tampa that may be able to give comparison quotes.

View more Tampa agents

Exclusive Agencies

Agents of this type generally can only insure with one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents are unable to place coverage with different providers so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are very knowledgeable in insurance sales which aids in selling service over price. Consumers frequently choose to use an exclusive agent mainly due to the brand rather than having low rates.

Below are Tampa exclusive insurance agents willing to provide rate quotes.

View more Tampa agents

Finding the right auto insurance agent requires more thought than just the bottom line cost. Agents should be asked these questions:

Tampa auto insurance companies

Buying coverage from the right insurance provider is difficult considering how many choices drivers have in Florida. The information displayed below could help you select which car insurance companies you want to consider purchasing from.

Top 10 Tampa Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Mercury Insurance – 89%
  5. Nationwide – 89%
  6. Travelers – 88%
  7. Progressive – 88%
  8. Safeco Insurance – 88%
  9. State Farm – 88%
  10. Allstate – 88%

Top 10 Tampa Car Insurance Companies Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

Smart consumers save more

We just covered quite a bit of information on how to find lower-cost Scion tC insurance in Tampa. The most important thing to understand is the more you quote Tampa auto insurance, the better your comparison will be. You may even discover the best rates are with a smaller regional carrier.

As you quote Tampa auto insurance, never skimp on coverage in order to save money. There have been many situations where an accident victim reduced liability limits or collision coverage and learned later that the few dollars in savings costed them thousands. The ultimate goal is to get the best coverage possible at the lowest possible cost, but don’t skip important coverages to save money.

Drivers change insurance companies for a variety of reasons including high rates after DUI convictions, delays in responding to claim requests, delays in paying claims and an unsatisfactory settlement offer. No matter why you want to switch, choosing a new company is less work than it seems.

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