I just got my call from Mr. McNair, and he quoted me $2400 a year. Does that sound right?? It may be, it is about $200/month, but my car payments are about 30 dollars more... :|. I am a 16yr old African American male, I think that is the worst place to be in when it comes to insurance, lol

you havent seen the rates in Jersey and New York then- thats a bargain for a 16 year old!!

Wow, thanks. I have a 3.5 gpa and made a A in Drivers Ed, that helped some, I think..

Check out State Farm. They have a Good Grades insurance plan or whatever they call it. Saved me $15/mo. Also, make sure your insurer considers the xB as a VAN (make sure you see it on paper too). The VAN status will lower your insurance. Some insurance agencies still consider the xB as an SUV :lol:

Wow, thanks. I have a 3.5 gpa and made a A in Drivers Ed, that helped some, I think..
You're 16. It doesn't matter. Your rates will be hellish no matter who you go with.

Is it basic coverage? In CA, for me 18yr old male w/ good grade discount w/ State Farm, at basic liability, it's about $100 sumthin.

they quoted me 1400$ every 6 months for the scion tC

:?

currently paying 960 on a 1990 honda accord

glad im an old fart
when i was 16 and i had my 73 Charger with a 440(numbers matching) my insurance was scary high!!!wonder why?:)

Unfortunately, the xB fall in the Utility category. So, we are basically paying the more for a smaller vehicle. Fortunately for me, I'm in "good" driver status and I'm 39.

Yeah, I've seen the xB labeled microvan, wagon, and suv. In these parts an suv has lower rates because the driver is "safer" in a crash. Lawmakers are working to reverse that, since the suv is typically the cause of the nastier injuries to others.

I had Allstate when I was younger, had good rates, but found out later that the agent "accidentally" put me as having a daughter and the little tercel wagon as having abs to lower the rate, so he could keep my business. :P

I can't imagine paying so much for just insurance at that age, but I have a feeling that a 16yo getting a new scion isn't paying for the insurance either, or you guys must be mowing a LOT of yards right? :D

You should hear what my insurance is. Before i got my xB, i had an eagle talon and boy did i do some stupid sht with that car. So, when i got my xB it went down a bit to alittle under $500 per month and i'm not lying. i have state farm and live in NJ...........gotta love it!!

I am paying about $300 every six months. I have USAA though, and am 31. They list it as a Utility vehicle as well.

Hello your 16!!. Driving a 2004 or 2005 model car with full coverage!!

Ohh and BTW, auto insurance cant quote you on race...

i didn't realize they were selling scion's in arkansas yet?
my parents are living a few hours from you, and have never seen one on the road.
you should stand out nicely when your's comes in:)

You should hear what my insurance is. Before i got my xB, i had an eagle talon and boy did i do some stupid sht with that car. So, when i got my xB it went down a bit to alittle under $500 per month and i'm not lying. i have state farm and live in NJ...........gotta love it!!

DAYM, you gotta love that xB ALOT to be paying that much for insurance :shock:.

i didn't realize they were selling scion's in arkansas yet?
my parents are living a few hours from you, and have never seen one on the road.
you should stand out nicely when your's comes in:)

Lol, yeah there are NO xB's on the road at all. I have seen an xA that has the 18" wheels with no lowering springs, that thing looks like it is hovering :D . Back in Feb they were selling like candy, Arkansas is the closest state to Miss, and Missouri, and Kansas (who at that time did not have the Scion yet). So all the xB and RS's they sold drove right over the state line :cry: . But I like the idea of being the first Camo green driver in NW Arkansas. My dealer just sold the Camo i was planning on buying, to some one named Thomas and I do not know where he lives. If he lives around my area he may have beaten me to it :evil: .

Nathan T.

Prior to owning my scion i was paying a little over $500 per month, but somehow with a brand new car my insurance went lower. They classify my car as a VAN................yup i drive a VAN!!

I am paying about $300 every six months. I have USAA though, and am 31. They list it as a Utility vehicle as well.

WTH, USAA is charging me double that, and I have a spotless driving record going back to the Reagan era ... I guess that's the price of living in the great state of California.

I am 31, my wife is 25 and we have three kids. I don't know if that helps it or not. My rate is actually lower than my Sephia was.

The poor kid has 2 strikes against him ... hes a guy, and hes 16. Dont look for your rates to change for the better until your late 20s.

When i was a teen, i was paying about $90 a month for insurance. Course it helps that i was driving a '78 Nova, but who cares, it was a set of wheels. :)

I'm 21, male & married... I have 2 cars. A 1986 Grand Prix that I only have Liability on, and a 1996 Oldsmobile Bravada that I have full coverage on with a $500 deductable. Right now, my monthly payments on my plan (covering my myself & my wife) are $154. After I get take delivery of my '05 xB (6-8 weeks from 06-30-04), my Grand Prix is coming off of the policy, and the box will recieve full coverage, and my monthly payment will be right around $180.

Also, I use Allstate in Illinois, and they consider the xB to be a Wagon.

Wow, thanks. I have a 3.5 gpa and made a A in Drivers Ed, that helped some, I think..
You're 16. It doesn't matter. Your rates will be hellish no matter who you go with.

not true some insurance agencies give discounts for students with an B average or better

^^ That is true that most placed have the "good student" discount, but I think you missed the point. Either way, when your 16 and male, you get raped, good student or bad. They best way to do it would be to be on your parents policy, and have your parents the primary drivers on every car.... IMO...

Wow, thanks. I have a 3.5 gpa and made a A in Drivers Ed, that helped some, I think..
You're 16. It doesn't matter. Your rates will be hellish no matter who you go with.

not true some insurance agencies give discounts for students with an B average or better
Not by much. The general rule is your insurance rates will suck until you're 25.

I'm paying 200 a month in Miami.. i'm 23 year old white male......

take it for what it's worth.. AIG is the cheapest, good quality company I can find... (Geico and Progressive will drop you in a heart beat)

I just got my call from Mr. McNair, and he quoted me $2400 a year. Does that sound right?? It may be, it is about $200/month, but my car payments are about 30 dollars more... :|. I am a 16yr old African American male, I think that is the worst place to be in when it comes to insurance, lol

16 years and a new xB... don't think that's the worst place to be. Sounds like you're in a pretty good place... I was driving my dad's 1977 Honda Civic Wagon with a cracked intake manifold, and at that, I only got to drive it when he was home from work. I had to walk or bum a ride from my - ack - my mom. :oops:

also check some companies offer a discount if you agree to always wear your seatbelts, all occupants all the time if not they could deny your claim. might be worth checking into :idea:

Wow.

I just checked rates for an '05 xB last week and thought the quote was high. My agent said it would definitely be under $700/year. I also own an '03 Avalanche (550/year) and a '00 Yamaha R6 (423/year). Thats full coverage on everything with a $500 deductible and limited tort.

I'm a 25 y/o single male with an average driving record. I seem to get a ticket every year or so. Guess $700/year isn't too bad seeing what everyone else is paying. But you would think the xB costing $15,000.00 would have a cheaper rate than my $40,000 Avalanche and my R6.

through geico my wife's 2001 jeep wrangler's insurance is more than my 05 box go figure that. I think it has something to do with the ability to go offroad :?:

im 19, great student, and passed drivers ed with flying colors, i have had a perfect driving reconrd for almost 3 years, and im still paying $244 a month....i wish Geiko was in MA....

im havin the same prob sorta. my insurance is quoted at $213 a month w/ a Xb. i have the good grade discount, took drivers ed, no crashes or tickets. its kinda high for nebraska insurance. i feel sorry for all u ppl in New Jersey cuz prices r extremely high out there. it jus sux bein a boy and 17. i was lookin at the exact same car as my sister and we have the same credentials and i was $120 a month more :( its the only thing holdin me back from buyin a scion right now. y cudnt i be a girl! :roll:

im from tennessee and i had a vtech accord when i was 16. i have state farm insurance and it was like 140/month. i only had the drivers ed class going for me. i didnt make the grades. good driving record though. you should check them out. im now 20 and just got rid of a mustang gt(170/mth). got my xb and droped to 78/month

I just got quoted $165 a month for an '05 xB. I am 19, perfect record.


It helps having parents with perfect records, with home owners insurance. Lots of discounts!