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for the Toyota Scion tC

Are You Getting the Cheapest Car Insurance Available for a Scion tC?

Illustration of Toyota Scion tC

How Much Is Car Insurance for the Toyota Scion tC?

The Scion tC is an appealing coupe with a roomy interior and streamlined exterior features. With room for five passengers, you’ll have plenty of space to go on a trip or simply commute to work. The Scion tC offers an attractive option for those who don’t want to spend much on fuel costs. The average annual car insurance premium for this vehicle is $90 per month for liability insurance and $200 a month for full coverage. Of course, there are factors that can affect the premiums.

Freeway Insurance offers the best coverage for people with a Scion tC. They’ll provide an affordable quote for auto insurance coverage that meets your needs and budget.

Getting a Free Auto Insurance quote with Freeway is easy!

Comparing Insurance Costs for the Scion tC to Other Vehicles

The Scion tC can be more costly to insure, making it all the more important to shop around for the most competitive policy rates.

Another factor to keep in mind is the cost of any auto policy can vary widely from person to person. Here is a breakdown of how the Scion tC rates compare to other similar vehicles.

Make/Model Annual Full Coverage Insurance
Scion tC $2,400
Toyota Camry $1,514
BMW X5 $2,304
Acura RSX $2,304
Honda Fit $1,518
Infiniti X35 $2,760
Volvo C30 $1,278
Lincoln MKT $2,234

Types of Car Insurance Coverage for the Sporty Toyota

When purchasing your Scion tC auto insurance, you will have different types of coverage options to consider. It’s important to know how each of these options works so you can select the best one for your needs.

Full coverage and state-required minimum liability are two types of policies. Minimum liability coverage ensures that you are compliant with your state’s required auto insurance limits. However, it stops at that coverage. If the costs of damage or injuries exceed your policy limits, then you have to cover it yourself.

Full coverage offers more protection for you, whether you are at fault or not.

State Minimum Liability

Every motorist must carry some type of auto coverage. Each state decides what the minimum coverages are for liability. This type of insurance includes a single policy that covers other people’s damages (property damage liability) and injuries (bodily injury liability) when you are at fault. These costs may consist of medical expenses and property damage.

The state minimums for every state vary, but the two main categories are the same. These covered categories include:

  • Property damage
  • Bodily injuries

Some states require additional coverage called personal injury protection (PIP) and/or uninsured motorist coverage. This coverage pays for your medical expenses, no matter who is at fault and/or if you are hit by an uninsured or a hit and run driver.

Full Coverage

Full coverage insurance has three components to it, which are as follows:

Liability: This protects you if you are at fault in an accident. It pays for property damage and injuries.

Collision coverage: This covers any damage to your Scion tC as a result of crashing into another object.

Comprehensive coverage: This portion of the full coverage pays for vehicle damages that come from incidents that are not collisions. This includes hitting a deer, falling objects, fire, and vandalism. Also, you’ll be covered in the event that your Scion tC is stolen.

Individual Factors That Influence Pricing for the Scion tC

Two people with the same vehicle can end up paying different premium costs. The reason for this is that there are various factors influencing costs. Some of these factors are as follows:

Vehicle Safety Features and Ratings

Many newer vehicles come with several built-in safety features. The type of safety feature on your Scion tC will depend on what year it is. However, some standard safety features, such as antilock brakes, are on most vehicles. So, you can count on some savings from having any type of safety features.

The National Highway Traffic Safety Administration gave the Scion tC a five-star rating on safety. So, be sure to talk to an agent about the discounts you can receive from this.

Loss Probability

The loss probability is a calculation used to determine the likelihood that you will be in an accident in the future. This helps them mitigate risks by basing your rate, in part, on this calculation. Insurers will look at historical data regarding crash statistics to get a more accurate estimate of how much money they may need to pay out.

Vehicle Age

You might think a newer car costs more to insure. In some cases, a new vehicle may cost more. For example, if it is an electric vehicle, the repairs may be more expensive. So, the premiums could be higher, too.

However, it’s usually older vehicles that cost more to repair because the parts could be obsolete. The safety features aren’t as advanced either, making accidents with injuries more likely.

Scion tC 2016 on display during the 2015 Los Angeles Auto Show.

How Does a DUI Affect Insurance Rates?

Regardless of what type of vehicle you drive, a DUI is going to have a negative impact on your rates. A DUI involves driving under the influence of alcohol or a substance. Doing so puts you at higher risk of an accident. So, the rates for someone with a DUI conviction will be higher.

You can expect the higher rate to stay in place for at least three years.

What Are Some Car Insurance Discounts for the Scion tC?

Every insurance company will have eligible discounts for policy rates. Some of the more common discounts you may be eligible for include the following:

There may be other discounts available for your Scion tC. Get in touch with Freeway Insurance, and someone will help you get the best coverage. Contact us today or get an online quote. Our goal is to get you the best policy for a budget-friendly price.

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What Are Some of the Characteristics of the Toyota Scion?

Scion tC consists of two generations of production. These include 2005-2010 and 2011-2016. The latest production of the Scion tC is a coupe with plenty of room inside. Some of the features include:

  • 7-inch touch-screen stereo (standard)
  • Panoramic moonroof (standard)
  • Manual or automatic transmission
  • Front-wheel-drive
  • Seats five people

The Scion tC has a 2.5-liter four-cylinder engine that gets 179 hp and is equipped with a six-speed manual or automatic transmission.

Find the Best Car Insurance Rates Online for the Scion tC Today

Talk to a Freeway Insurance agent today to receive the most competitive rates on insuring your Scion tC. Our agents are ready to provide you with the best quote that covers you and fits your pocketbook.

Call us at (800) 777-5620 and receive a fast, free quote for car insurance online. Or stop by one of our locations.

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