insurance
#4
Alright, I'm about to make everyone cringe regarding insurance rates. I am a 24 year old male with two tickets in the past 5 years. I am paying $913 for 6 months on my 2008 Scion xB.
What I have found with the insurance companies, is they have had to custom symbol it because the year and make does not exist in their databases. This means they have to custom build the specs (I think anyway).
Keep in mind that each insurance company evaluates your rate differently. Some may base it on engine size (in cubic meters) while others only care whether it is a I-4, V6, V8, etc. It just depends. At the end of the day, I don't think it matters whether the '08 xB is considered a wagon or 4 door sedan. Just know it's not considered a sports car which would most likely raise your rates if you're young.
What I have found with the insurance companies, is they have had to custom symbol it because the year and make does not exist in their databases. This means they have to custom build the specs (I think anyway).
Keep in mind that each insurance company evaluates your rate differently. Some may base it on engine size (in cubic meters) while others only care whether it is a I-4, V6, V8, etc. It just depends. At the end of the day, I don't think it matters whether the '08 xB is considered a wagon or 4 door sedan. Just know it's not considered a sports car which would most likely raise your rates if you're young.
#10
Well, I am with Ameriprise and insure a 1998 Isuzu Amigo, 2006 xB RS3 and my 2008 xB. For the 2006 xB I pay $227 for 6 months and for the 2008 xB I pay $290 for 6 months. This is not a stripped down policy, it is a 100k/300k policy with $500 collision deductible, $100 deductible other than collision, glass, towing, rental car and first year New Car Replacement as well as GAP coverage.
I pay more for liability on the Amigo than both my xB's with full coverages put together because my 17 year old son drives it.
I pay more for liability on the Amigo than both my xB's with full coverages put together because my 17 year old son drives it.
#12
Senior Member
SL Member
Scion Evolution
Thread Starter
Join Date: Aug 2003
Location: San Fernando Valley, CA
Posts: 795
Mercury Insurance = SUV, Small
State Farm Insurance = Sport Van
RBC Insurance = Wagon
i was told there is a national insurance database that assigns vehicle designations by my agent - if so, why all the different vehicle type ratings for the 2nd gen xB from different insurance companies? it seems like they can call it whatever they want!
even NHTSA classify it as a Wagon:
NHTSA Crash-Test Results
Test 4-door wagon
Front Impact, Driver 4
Front Impact, Passenger 4
Rollover Resistance 4
Side Impact, Driver 5
Side Impact, Rear Passenger 5
State Farm Insurance = Sport Van
RBC Insurance = Wagon
i was told there is a national insurance database that assigns vehicle designations by my agent - if so, why all the different vehicle type ratings for the 2nd gen xB from different insurance companies? it seems like they can call it whatever they want!
even NHTSA classify it as a Wagon:
NHTSA Crash-Test Results
Test 4-door wagon
Front Impact, Driver 4
Front Impact, Passenger 4
Rollover Resistance 4
Side Impact, Driver 5
Side Impact, Rear Passenger 5
#14
Senior Member
SL Member
Scion Evolution
Thread Starter
Join Date: Aug 2003
Location: San Fernando Valley, CA
Posts: 795
Originally Posted by Invertalon
Mine is through state-farm and they consider it a hatchback wagon.
#16
hehe, i pay 2400/6mo. mostly due to being young stupid and owning a crotch rocket and not being able to contain myself when people wanna race or chicks flashing for stunts then getting popped repeatedly by the police...was told by my bosses wife who was my insurance agent that i was probably in the top 50 worst in the state hahaha...not married, no house insurance...pretty much learned my lesson the hard way...damn...lol
#17
Senior Member
SL Member
Scion Evolution
Thread Starter
Join Date: Aug 2003
Location: San Fernando Valley, CA
Posts: 795
Re: insurance
Originally Posted by yanges
is the 2008 xB still considered a wagon for insurance purposes?
actually a little less than for my 2004 Solara
Thread
Thread Starter
Forum
Replies
Last Post
DryToast
Scion xA/xB 1st-Gen Drivetrain & Power
0
08-04-2015 02:59 PM
WhatsYourScion
Scion xB 1st-Gen Owners Lounge
4
08-06-2004 12:13 AM