Compare Scion xB Insurance Rates in Portland

Insurance rates Scion xB in PortlandNobody that owns a car looks forward to buying car insurance, especially knowing the price is too high.

Unimaginable but true, most car insurance buyers kept their coverage with the same car insurance company for four years or more, and almost half have never shopped around. Portland insurance shoppers can save hundreds of dollars each year, but they just don’t understand how much savings they would realize if they switched to a more affordable policy.

Due to the abundance of options for buying affordable insurance for a Scion xB in Portland, it’s nearly impossible to find a lower cost company.

When price shopping your coverage, comparing a large number of companies gives you a better chance of getting a lower rate.

The following companies can provide free quotes in Portland, OR. To locate cheaper car insurance in Portland, OR, we recommend you visit two to three different companies in order to find the most affordable rates.

Do you qualify for discounts on Scion xB insurance in Portland?

Not too many consumers would say car insurance is affordable, but there may be some discounts that can help lower your rates. Some of these discounts will be visible at the time of quoting, but occasionally some discounts must be requested specifically before you will receive the discount.Cheaper car insurance with discounts

Just know that some credits don’t apply to the overall cost of the policy. Some only apply to individual premiums such as comp or med pay. Despite the fact that it seems like having all the discounts means you get insurance for free, you’re out of luck.

The information below illustrates the comparison of Scion xB insurance costs with and without discounts applied. The rates are based on a male driver, no claims or violations, Oregon state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, multi-policy, safe-driver, claim-free, and marriage discounts applied.

Large car insurance companies and their offered discounts are:

Check with every prospective company which discounts you may be entitled to. A few discounts may not be offered in your state.

Insurance rate breakdown

The premium table shown next showcases detailed analysis of policy rates for Scion xB models. Having insight into how car insurance premiums are calculated can assist in making smart choices when purchasing an auto insurance policy.

Scion xB Insurance Rates in Portland, OR
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XB 2WD $264 $462 $416 $24 $124 $1,290 $108
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Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Oregon minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Premium amounts do not factor in specific zip code location which can influence insurance rates greatly.

Scion xB insurance costs by age and gender

The diagram below shows the comparison of Scion xB insurance costs for male and female drivers. The costs are based on no accidents or driving violations, full physical damage coverage, $500 deductibles, marital status is single, and no discounts are factored in.

Difference between full coverage and liability only rates

The example below shows the comparison of Scion xB premium costs with and without full coverage. The data assumes no claims, a clean driving record, $500 deductibles, drivers are single, and no discounts are factored in.

When to stop buying comprehensive and collision coverage

There is no clear-cut rule to drop comp and collision coverage, but there is a general school of thought. If the annual cost of coverage is about 10% or more of the settlement you would receive from your company, then you may want to consider only buying liability coverage.

For example, let’s say your Scion xB book value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $8,000 after paying the physical damage deductible. If it’s costing in excess of $800 annually for full coverage, then you might want to consider buying only liability coverage.

There are some cases where dropping full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

Eight Tips to Get Cheap Portland Insurance Premiums

Consumers need to have an understanding of the rating factors that help calculate the level of your policy premiums. When you understand what controls the rates you pay, this enables you to make decisions that could help you find better car insurance rates.

The list below includes some of the items car insurance companies consider when setting prices.

Shop online but buy locally

Some consumers just want to talk to a local agent and that is not a bad decision One of the best bonuses of getting online price quotes is the fact that drivers can get the best rates but still work with a licensed agent.

Upon completion of this quick form, the quote information is instantly submitted to companies in Portland who will give you bids to get your business. There is no reason to find an agent on your own due to the fact that quote results will go to you instantly. Get lower rates AND an agent nearby. If you want to quote rates from a particular provider, don’t hesitate to visit that company’s website and fill out their quote form.

Finding the right company should include more criteria than just the price. Any agent in Portland should have no problem answering these questions:

Not all car insurance agents are the same

When narrowing the list to find a good insurance agency, it’s helpful to know the types of insurance agents and how they function. Car insurance agencies can be classified as either exclusive or independent (non-exclusive).

Exclusive Insurance Agents

Agents that choose to be exclusive can only provide pricing for a single company like Allstate, State Farm and Farmers Insurance. These agents are not able to give you multiple price quotes so they have no alternatives for high prices. Exclusive agents receive a lot of sales training on sales techniques which helps them sell insurance even at higher premiums.

Below is a list of exclusive insurance agencies in Portland that can give you price quotes.

8180 N Lombard StPortland, OR 97203(503) 289-3601View Map

307 SE 102nd AvePortland, OR 97216(503) 252-5581View Map

6305 SE Powell BlvdPortland, OR 97206(503) 771-2579View Map

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Independent Car Insurance Agents

Agents of this type can sell policies from many different companies and that is an advantage because they can write policies with many different companies and get the cheapest rates. If you want to switch companies, your agent can just switch to a different company and the insured can keep the same agent.

If you are comparing car insurance prices, it’s a good idea to check rates from independent agents so that you can do a thorough price comparison.

Listed below is a list of independent insurance agents in Portland that can give you rate quotes.

5845 SE 82nd AvePortland, OR 97266(503) 777-5406View Map

1500 NW 18th Ave #107Portland, OR 97209(503) 206-6588View Map

888 SW 5th Ave #1170Portland, OR 97204(503) 467-7540View Map

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After talking to the agent and getting answers to your satisfaction to these questions and an acceptable price quote, you may have just found an insurance agency that can adequately provide car insurance.

Cheaper auto insurance is out there

As you prepare to switch companies, it’s very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped liability limits or collision coverage only to regret that the few dollars in savings costed them thousands. Your strategy should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

We’ve covered many ways to reduce Scion xB insurance premium rates online in Portland. It’s most important to understand that the more times you quote, the better likelihood of getting cheaper Portland car insurance quotes. Drivers may even discover the biggest savings come from a small mutual company. They often have lower prices on specific markets than their larger competitors like State Farm and Allstate.

How to find low-cost Scion xB insurance in Portland

The best way we recommend to get cheaper auto insurance rates is to regularly compare prices from insurance carriers in Portland. Prices can be compared by completing these steps.

First, spend a few minutes and learn about how car insurance works and the steps you can take to keep rates low. Many risk factors that cause high rates such as traffic violations, accidents, and a bad credit rating can be controlled by making minor changes to your lifestyle.

Second, quote rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from a single company like GEICO and State Farm, while independent agencies can provide prices for a wide range of companies.

Third, compare the new rate quotes to your current policy to see if you can save by switching companies. If you find a lower rate quote and change companies, ensure there is no coverage lapse between policies.

The most important part of shopping around is that you’ll want to compare identical coverages on each quote request and and to get rate quotes from as many different companies as possible. This helps ensure a fair rate comparison and a complete price analysis.

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