Toyota Scion IQ drivers typically pay an estimated average premium of $60 monthly for full coverage insurance - however, to get an idea of your specific rates more accurately enter your ZIP code below and compare personalized quotes instantly.
Drivers with clean records often pay lower insurance rates. You could save even more by shopping around for discounts.
1. Safety Ratings
Car insurance rates for the Scion iQ tend to be significantly lower than average due to its excellent safety ratings. Your individual rate will depend on several factors including driving history, location and age - you can obtain more accurate quotes by using our free comparison tool, then compare policies before selecting the ideal policy for yourself.
The iQ is designed for urban driving, where its quick steering and short wheelbase excel. Making U-turns or diving into tight parking spots becomes easy, while its four-cylinder engine can accelerate rapidly from a stop as soon as it has enough power; though the four-cylinder can emit some sounds when pushed harder; Edmunds brake testing revealed it can stop from 60 mph in just 131 feet - impressive considering such a compact city car!
As well as receiving excellent crash test ratings, the iQ comes equipped with stability and traction control, antilock brakes, front seat cushion airbags and rear window curtain airbags as standard features. In addition, its rearview camera and active/passive keyless entry system can help deter thieves. Sadly however, since this older model doesn't yield significant savings when it comes to car insurance premiums.
Other variables that can influence rates include your driver's age and gender. Teen drivers are known for causing more accidents and traffic violations than other drivers; thus insurers usually charge them higher premiums. Male drivers are also likely to incur higher premiums because they commit serious driving offenses like DUIs or speeding tickets more frequently than their female counterparts.
Save on car insurance by maintaining a clean driving record and searching around for the best deal. Be sure to take advantage of any discounts you qualify for, such as good student, safe driver or multi-policy (bundling). Also consider raising your deductibles which will reduce monthly payments but increase out-of-pocket expenses should an accident occur.
2. Model Year
Alongside your location and driving record, the model year of your Scion iQ can have a dramatic effect on its insurance rates. Cars from previous decades tend to attract lower premiums because older vehicles have been driven longer without becoming involved in serious accidents compared to newer cars with advanced safety features that help decrease injury or fatality risk during an accident.
Remember that different insurance providers consider model years differently when offering rates, so shop around and compare quotes to find the most competitive rate possible. Simply by entering your ZIP code you can quickly compare offers from multiple providers and quickly identify those offering lower prices for your particular vehicle.
The Scion iQ is an ideal city car designed for urban environments that don't accommodate larger vehicles. Fuel efficient and enjoyable to drive, the iQ offers great driving dynamics while remaining fuel-efficient compared to its counterpart, the Smart Fortwo. In terms of comfort or electronic entertainment features it delivers less than expected.
Though the iQ features a unique exterior design, its performance and features are comparable to other compact cars on the market. Safety ratings are similar and fuel economy comparable - an estimate puts its combined EPA fuel economy estimate at 34 mpg!
While its small size makes the iQ easier to maneuver through traffic, parking can be more of a challenge. Still, this car offers easy control and boasts a generous cargo area; plus two complete sets of LATCH connectors to install child safety seats!
However, its small rear seat may not allow some child safety seats. Therefore, if you plan on using one in your iQ, contact your insurer first in order to see if it supports it and consider larger cars with more rear space - for instance Honda Civic and Ford Fusion both provide more rear seating than an iQ.
3. Deductibles
Other than model year, another important factor affecting car insurance premiums is your choice of deductible. Generally, higher deductibles result in lower monthly premiums; however, you will need to be prepared to pay more out-of-pocket should a claim occur. Before making this decision, consider how much it would cost you should your vehicle be damaged in an accident and factor that figure into the equation when choosing a deductible amount.
Your driving lifestyle plays a large part in how much it will cost to insure your Scion IQ. For instance, young drivers often incur higher insurance premiums due to increased accident risks associated with being more prone to traffic violations and accidents than their senior counterparts; insurers therefore charge them additional premiums as compensation.
As long as your driving record remains clean, and if you drive fewer miles each year than average, your rates will be much more affordable than if someone with multiple tickets and accidents was paying their rates.
Toyota's Scion iQ may not be ideal for people needing to transport children, cargo or equipment due to its minimal 3.5 cubic-foot trunk space behind rear seats - making it difficult to carry luggage or equipment of any significant amount in this vehicle. Luckily there are other small cars with increased cargo and passenger capacities while providing comparable fuel economy and performance.
Before purchasing your Scion IQ, it's wise to compare car insurance quotes. Doing this may reveal more cost-effective coverage with another insurer depending on factors like driving history and vehicle safety features; as well as any discounts such as multi-policy or home owner (bundling). By taking time and making an effort in comparison shopping you could save yourself some cash when it comes time for Scion IQ insurance premiums.
4. Driving Record
The iQ may look small and delicate, but its crash safety ratings are impressive. The National Highway Traffic and Safety Administration granted four stars for crashworthiness from its manufacturer Nissan; additionally it earned top ratings from both Insurance Institute for Highway Safety as well as Insurance Institute for Traffic Safety. Furthermore, this diminutive car boasts 11 airbags - some for the driver's head and knees separately as well as side curtain airbags and seat cushion bags.
Scion has designed the back of their iQ to fit three passengers comfortably, which they call "3+1 seating." However, even adults may feel cramped behind the driver; therefore a compact sedan with enough room for more than two would be the better choice if traveling as part of a group.
Clean driving records tend to attract lower car insurance rates. On the other hand, those with accidents or tickets on their records will see their premiums skyrocket; Scion IQ owners with one accident typically pay around $66 for liability coverage monthly; those with multiple violations could see their rates skyrocket beyond average levels of around $121.
Select a higher deductible to reduce Scion iQ car insurance rates; just be mindful not to select one that increases out-of-pocket expenses if there's ever an incident.
Other factors affecting your car insurance premium may include your age, location and credit score. Before making your decision it would be advisable to compare car insurance from various providers as some provide discounts for safe drivers such as students or seniors; additionally there may be discounts offered by having certain anti-theft devices installed or bundling your auto and home policies together.
An effective way to save on Scion iQ car insurance is to shop around and find the most competitive rates in your area. With a comparison tool, you can access rates in your city or state before entering your personal details to compare.