Paying for pricey Scion xB insurance in Denver can diminish your monthly budget and force you to tighten up your finances.

Insurance quote for Scion xB in DenverAmazingly, over 70% of consumers have been with the same company for a minimum of four years, and 38% of drivers have never quoted rates to find cheap coverage. American insurance shoppers could save approximately 47% a year just by comparing rates, but most just don't grasp how much they could save if they swap their current policy for a cheaper one.

Because you have many choices of insurance companies that have affordable insurance for a Scion xB in Denver, it can be hard to find the cheapest insurance company.

Consumers need to compare prices at least once a year because rates are constantly changing. Just because you found the lowest premium rates on Scion xB insurance in Denver a year ago you can probably find a lower rate today. Forget all the misinformation about auto insurance because we're going to demonstrate one of the easiest ways to buy cheaper Scion xB insurance in Denver.

Comparison shopping for cheaper policy in Denver is easy to do. Nearly anyone who wants cheaper auto insurance will probably find a lower-cost company. But Colorado drivers should learn the methods companies use to determine how much to charge.

Cheapest auto insurance in Denver, CO

The companies shown below can provide comparison quotes in Denver, CO. If several companies are displayed, we suggest you get prices from several of them in order to get a fair rate comparison.

Scion xB Insurance Rate Estimates in Denver, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XB 2WD $144 $232 $368 $22 $110 $876 $73
Get Your Own Custom Quote Go

Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Information does not factor in specific location information which can revise premium rates significantly.

Cautious Denver drivers save money

The example below demonstrates how citations and accident claims impact Scion xB premium costs for each age group. The premium estimates are based on a married male driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.

Higher deductibles save money

One of the most common auto insurance questions is where should you set your physical damage deductibles. The rates below sum up the differences in price of buying low and high deductibles. The first rate table uses a $250 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.

Scion xB insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XB 2WD $272 $376 $352 $20 $106 $1,151 $96
Get Your Own Custom Quote Go
Scion xB insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XB 2WD $168 $236 $352 $20 $106 $882 $74
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Premium costs do not factor in vehicle location which can affect price quotes significantly.

Using the data above, we can ascertain that using a $250 deductible costs approximately $22 more each month or $264 every year than selecting the higher $1,000 deductible. Since you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at a minimum 34 months between claims, you would probably save some money if you elect the higher deductible.

Comparison of auto insurance rates by age and gender

The information below shows the comparison of Scion xB auto insurance costs for male and female drivers. The premiums are based on no accidents or driving violations, full coverage, $1,000 deductibles, drivers are not married, and no discounts are applied.

Cheap Scion xB insurance in Denver

Car insurance companies don't always list every policy discount very clearly, so the list below details some of the more common as well as some of the hidden credits available to you.

A quick disclaimer, most credits do not apply to the entire policy premium. Some only reduce individual premiums such as medical payments or collision. Even though the math looks like all those discounts means the company will pay you, companies don't profit that way. Any amount of discount will definitely lower your overall bill.

Large car insurance companies and some of the premium reductions they offer are:

If you are trying to find cheaper Denver car insurance quotes, ask all companies you are considering to apply every possible discount. Some credits might not apply in Denver.

You may want advice from an agent

Certain consumers just want to go talk to an agent and doing so can bring peace of mind The biggest benefit of comparing rate quotes online is the fact that drivers can get lower rates and still buy from a local agent. And supporting local insurance agents is important especially in Denver.

Denver insurance agentsOnce you complete this simple form, your coverage information gets sent to participating agents in Denver who will give you quotes for your business. You never need to find an agent on your own because quoted prices will be sent instantly to you. You can find the lowest rates without requiring a lot of work. If you need to compare rates from a specific insurance company, you would need to find their quoting web page and complete a quote there.

If you prefer to buy car insurance from a reputable insurance agent or broker, there are two different types of agencies and how they are slightly different. Agents in Denver may be either exclusive or independent.

Independent Agents

Agents that choose to be independent often have many company appointments and that allows them to write policies through many companies and potentially find a lower price. If they quote lower rates, your agent can switch companies and you don't have to do anything.

When comparison shopping, we recommend you get rate quotes from a few independent agents to have the best price comparison.

Listed below is a small list of independent agents in Denver that may be able to give price quote information.


645 E Evans Ave - Denver, CO 80210 - (303) 744-1341 - View Map


179 S Colorado Blvd - Denver, CO 80246 - (303) 321-9300 - View Map


8055 E Tufts Ave #1000 - Denver, CO 80237 - (303) 824-6600 - View Map

More Denver agents

Exclusive Car Insurance Agencies

These agents write business for a single company and examples are American Family, State Farm, and AAA. Exclusive agents are unable to provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive agents are well trained on their company's products and that can be a competitive advantage.

Shown below is a list of exclusive agents in Denver that can give you comparison quotes.


3650 S Yosemite St #408 - Denver, CO 80237 - (303) 993-2727 - View Map


1100 Acoma St - Denver, CO 80204 - (720) 508-8760 - View Map

Tammy Hill - State Farm Insurance Agent
4650 Tower Rd Unit 101 - Denver, CO 80249 - (303) 373-9500 - View Map

More Denver agents

Selecting an insurance agent requires you to look at more than just the premium amount. Ask your prospective agent these questions:

You can lower your insurance rates

We just showed you some good ideas how to compare Scion xB insurance prices in Denver. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the lowest prices come from a small local company. These companies often have lower rates on specific markets compared to the large companies like State Farm, GEICO and Nationwide.

As you shop your coverage around, it's not a good idea to skimp on critical coverages to save a buck or two. There have been many cases where an insured cut comprehensive coverage or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase a proper amount of coverage for the lowest price.

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