The preferred way to get the cheapest Scion xB insurance is to begin comparing prices regularly from companies in Madison. You can compare rates by completing these steps.
- Try to learn about how insurance companies determine prices and the measures you can control to keep rates down. Many rating factors that result in higher prices such as accidents, careless driving, and bad credit can be rectified by making minor changes in your lifestyle.
- Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only provide price estimates from one company like Progressive or State Farm, while independent agencies can provide price quotes for a wide range of companies.
- Compare the price quotes to your existing rates to see if a cheaper price is available. If you find better rates and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
An essential thing to point out is to use similar limits and deductibles on every price quote and and to get price quotes from as many companies as feasibly possible. This guarantees a fair price comparison and the best price quote selection.
Unthinkable but true, the vast majority of consumers kept their coverage with the same insurance company for at least four years, and approximately 40% of consumers have never taken the time to shop around. Most drivers in Wisconsin could pocket $370 a year by just comparing rate quotes, but they think it’s difficult to compare rates.
If you already have coverage, you will definitely be able to get lower rates using the techniques covered below. Locating the best rates in Madison is not rocket science. But Wisconsin consumers should learn the methods companies use to sell online and apply this information to your search.
Best Scion xB insurance prices in Wisconsin
The providers in the list below can provide free quotes in Wisconsin. To buy cheap car insurance in Madison, we recommend you click on several of them in order to get a fair rate comparison.
Insurance rate breakdown
The rate table shown next showcases a range of prices for Scion xB models. Knowing how insurance policy rates are formulated is important for making informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XB 2WD | $138 | $210 | $220 | $14 | $66 | $648 | $54 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Table data does not factor in specific zip code location which can lower or raise premium rates significantly.
The example below illustrates how your choice of deductibles and can influence Scion xB insurance prices for each different age group. The price estimates are based on a married male driver, comp and collision included, and no discounts are applied.
Impact of careless driving on car insurance rates
The information below highlights how speeding tickets and accident claims impact Scion xB insurance premiums for different ages of insureds. The rates are based on a single male driver, full coverage, $100 deductibles, and no discounts are applied.
Lower rates by qualifying for discounts
Companies that sell car insurance don’t always publicize the complete list of policy discounts in an easy-to-find place, so the following list contains a few of the more common and the harder-to-find credits available to you.
- Clubs and Organizations – Participating in a qualifying organization can get you a small discount when getting a Madison auto insurance quote.
- Military Rewards – Being on active deployment in the military could be rewarded with lower prices.
- Good Driver Discounts – Insureds without accidents may save up to 50% more compared to accident prone drivers.
- Driver Training Discounts – Taking time to complete a course that instructs on driving safety could cut 5% off your bill if you qualify.
- Theft Prevention Discount – Cars, trucks, and SUVs that have factory anti-theft systems are less likely to be stolen so companies will give you a small discount.
- Driver’s Ed – Teen drivers should enroll and complete driver’s education as it will make them better drivers and lower rates.
It’s important to understand that most discount credits are not given to the whole policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, it’s just not the way it works.
The illustration below illustrates the difference between Scion xB car insurance costs with and without discounts. The costs are based on a female driver, no tickets, no at-fault accidents, Wisconsin state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, multi-policy, homeowner, marriage, and safe-driver discounts applied.
Companies and a summarized list of policyholder discounts are included below.
- American Family discounts include bundled insurance, defensive driver, early bird, accident-free, and good student.
- State Farm has savings for multiple policy, student away at school, driver’s education, good driver, defensive driving training, and passive restraint.
- 21st Century may have discounts that include defensive driver, early bird, homeowners, good student, and 55 and older.
- Travelers offers discounts for home ownership, payment discounts, good student, student away at school, continuous insurance, save driver, and multi-policy.
- GEICO offers discounts including membership and employees, good student, daytime running lights, defensive driver, driver training, and federal employee.
Before purchasing a policy, check with each insurance company which credits you are entitled to. Discounts might not apply in Madison.
Exclusive and independent car insurance agents
Certain consumers just prefer to buy from a licensed agent and often times that is recommended One of the great benefits of price shopping on the web is that drivers can save money and get cheap car insurance rates and still choose a local agent. And buying from local agents is important especially in Madison.
By using this quick form, the coverage information is transmitted to local insurance agents in Madison who will give you quotes and help you find cheaper coverage. You won’t even need to drive around since price quotes are sent immediately to you. You can get cheaper car insurance rates without having to waste a lot of time. In the event you want to compare prices from a particular provider, don’t hesitate to visit that company’s website and give them your coverage information.
How to choose the best auto insurance agent in Madison
When looking for a reliable agent, it can be helpful to understand the different types of agents and how they work. Car insurance agencies are considered either independent agents or exclusive agents depending on their employer.
Independent Car Insurance Agents
These type of agents are not limited to a single company and that is an advantage because they can write policies with an assortment of companies enabling the ability to shop coverage around. If your premiums go up, the business is moved internally which requires no work on your part. If you need lower rates, you definitely need to get rate quotes from a couple of independent agencies for maximum quote selection.
Below is a list of independent agents in Madison that can give you free car insurance rate quotes.
Affiliated Insurance-Wisconsin
3830 Atwood Ave – Madison, WI 53714 – (608) 273-3361 – View Map
Hausmann Johnson Insurance
700 Regent St – Madison, WI 53715 – (608) 257-3795 – View Map
Neckerman Insurance Services
6200 Mineral Point Rd – Madison, WI 53705 – (608) 238-2686 – View Map
Exclusive Car Insurance Agencies
Exclusive insurance agents normally can only provide a single company’s rates like Farmers Insurance or State Farm. Exclusive agents cannot shop your coverage around so keep that in mind. Exclusive agencies are well schooled on the products they sell which can be an advantage.
Listed below are exclusive agencies in Madison that are able to give comparison quotes.
American Family Insurance – Brad Bodden
3821 Nakoma Rd – Madison, WI 53711 – (608) 231-2453 – View Map
American Family Insurance – Vicki Wagener Agency LLC
1633 Thierer Rd – Madison, WI 53704 – (608) 249-2184 – View Map
GEICO Insurance Agent
2001 W Beltline Hwy Suite 100 – Madison, WI 53713 – (608) 242-9322 – View Map
Choosing the best insurance agent requires you to look at more than just the quoted price. These are valid questions to ask:
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- How much training do they have in personal risk management?
- Is there a local claims center in Madison?
- Will they take your side in the event of a claim?
- What are their preferred companies if they are an independent agency?
- Will a damage claim use OEM or aftermarket replacement parts?
Upon receiving answers to your satisfaction and locked in a price quote, most likely you have located an auto insurance agent that meets your needs to service your policy. Just be aware that it’s your policy and you can cancel your coverage for any reason so never assume that you’re stuck with any specific company for the entire policy term.
Don’t give up on cheap coverage
Cheaper Scion xB insurance in Madison can be purchased both online and from local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who do not provide rates over the internet and usually these regional insurance providers only sell coverage through independent agents.
You just read quite a bit of information on how to get a better price on Scion xB insurance in Madison. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from the smaller companies. These companies may only write in your state and offer lower rates compared to the large companies like Progressive or GEICO.
More articles
- Insurance Losses by Make and Model (iihs.org)
- What Auto Insurance is Cheapest in Madison, Wisconsin? (FAQ)
- Who Has Affordable Auto Insurance for Teenage Males in Madison? (FAQ)
- Who Has Affordable Auto Insurance Rates for a Toyota Tacoma in Madison? (FAQ)
- Who Has the Cheapest Car Insurance for Drivers Over Age 60 in Madison? (FAQ)
- Tools for Teen Driving Safety (State Farm)
- Understanding Limits and Deductibles (Allstate)
- Reducing Your Risks in a Car Crash Video (iihs.org)