1991 Saturn S-Series Car Insurance Cost – 7 Savings Tips

Searching for the cheapest insurance rates for your Saturn S-Series? Are you tired of scraping the payment together to buy car insurance? You are in the same boat as many other drivers. Insurance companies such as State Farm and GEICO all claim big savings with ads and it is challenging if not impossible to sift through the bull and find the best price available.

It’s smart to take a look at other company’s rates occasionally due to the fact that insurance rates change quite often. Just because you had the best deal on S-Series coverage a few years ago you may be paying too much now. So just block out anything you think you know about insurance because you’re going to learn one of the easiest ways to find better rates and still maintain coverage.

Save on Saturn S-Series insurance

Companies that sell car insurance do not list every discount in a way that’s easy to find, so the following is a list of both well-publicized as well as the least known discounts you could be receiving. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Driver Safety – Completing a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts can receive discounts of 20% or more.
  • Discount for Life Insurance – Larger companies have a break if you buy life insurance from them.
  • Military Rewards – Having a family member in the military may qualify for rate reductions.
  • Good Student – Performing well in school can get you a discount of up to 25%. The discount lasts until age 25.
  • New Car Discount – Putting insurance coverage on a new car is cheaper since new cars are generally safer.
  • Own a Home – Being a homeowner may earn you a small savings because of the fact that having a home demonstrates responsibility.

A little note about advertised discounts, most discounts do not apply the the whole policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. Just because it seems like you could get a free car insurance policy, it doesn’t quite work that way.

Companies that possibly offer some of the above discounts may include but are not limited to:

It’s a good idea to ask each insurance company what discounts are available to you. All car insurance discounts may not be available in your area.

How to Compare Insurance Coverage

There are a variety of methods to compare 1991 Saturn S-Series insurance coverage prices but one way is less labor-intensive and much quicker. You can waste a lot of time discussing policy coverages with insurance companies in your area, or you could save time and use online quoting to get rate comparisons in just a few minutes.

Most of the larger companies belong to a marketplace where prospective buyers submit their information once, and at least one company can give them a price. This prevents consumers from doing form submissions to every company.

To fill out one form to compare multiple rates now click here (opens in new window).

The one disadvantage to using this type of system is you can’t choose the insurers you want pricing from. So if you prefer to pick specific insurance companies to compare, we have assembled a list of companies who write insurance coverage in your area. Click to view list.

It’s up to you which method you use, but be sure to compare identical coverage information for each price quote. If you have mixed coverages it’s impossible to determine which rate is truly the best.

Tailor your coverage to you

When choosing proper insurance coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that may help you determine whether or not you would benefit from an agent’s advice.

  • Am I covered when using my vehicle for business?
  • Do I need roadside assistance coverage?
  • If I drive on a suspended license am I covered?
  • When should I not file a claim?
  • When do I need to add a new car to my policy?
  • What is an SR-22 filing?
  • If my pet gets injured in an accident are they covered?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance 101

Knowing the specifics of insurance can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be confusing and coverage can change by endorsement. Below you’ll find typical coverages available from insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Collision protection

This covers damage to your S-Series resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like colliding with a tree, hitting a parking meter and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for expenses like ambulance fees, dental work, funeral costs and EMT expenses. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, vandalism, damage from flooding, hitting a bird and falling objects. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverage

This will cover damage or injury you incur to people or other property. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims like medical services, medical expenses and repair costs for stationary objects. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

More effort can pay off

As you restructure your insurance plan, it’s very important that you do not reduce needed coverages to save money. In many instances, an accident victim reduced comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. Your strategy should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

Cheap 1991 Saturn S-Series insurance can be purchased on the web in addition to many insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies do not provide online price quotes and most of the time these smaller companies sell through independent agents.

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