Compare 1996 Saturn S-Series Insurance Cost

Want better insurance rates for your Saturn S-Series? Having to pay for overpriced insurance can overdraw your bank account and make it hard to pay other bills. Doing a price comparison is a great way to help make ends meet. Because you have many companies to choose from, it can be impossible to find the most cost effective company.

Buying car insurance is easy if you know what you’re doing. If you have insurance now or are looking for a new policy, you can follow these tips to get lower rates while maximizing coverage. Drivers just need to know the tricks to shop their coverage around over the internet.

Save money by taking advantage of these discounts

Companies don’t always publicize every available discount in a way that’s easy to find, so we break down both the well known as well as the least known savings tricks you should be using. If you aren’t receiving every discount possible, you are throwing money away.

  • E-sign – Some insurance companies may give you up to $50 simply for signing digitally online.
  • Auto/Home Discount – When you have multiple policies with the same insurance company you may earn up to 20% off your total premium.
  • Safe Drivers – Safe drivers can pay as much as 50% less for S-Series insurance than their less cautious counterparts.
  • Auto/Life Discount – Some companies give a break if you buy life insurance from them.
  • Employee of Federal Government – Simply working for the federal government may qualify you for a discount for S-Series insurance with certain companies.
  • No Accidents – Claim-free drivers can save substantially when compared to drivers who are more careless.
  • Early Signing – Some companies give discounts for switching policies before your current expiration date. This can save 10% or more.
  • Safety Course Discount – Successfully completing a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Drive Less and Save – Keeping the miles down on your Saturn could be rewarded with discounted rates on garaged vehicles.
  • Memberships – Being a member of a qualifying organization is a good way to get lower rates on insurance for S-Series insurance.

Consumers should know that some of the credits will not apply to the entire cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you can get free auto insurance, it just doesn’t work that way.

Companies that may have these discounts include:

Double check with every prospective company which discounts they offer. Savings might not apply everywhere.

Parts of the Saturn S-Series rate equation

Consumers need to have an understanding of some of the elements that come into play when calculating your insurance rates. Having a good understanding of what controls the rates you pay enables informed choices that will entitle you to better insurance rates.

  • Higher safety ratings means cheaper insurance – Vehicles with good safety scores can get you lower premiums. The safest vehicles reduce injuries and better occupant protection translates into savings for insurance companies and lower rates for you. If your Saturn S-Series has ratings of a minimum four stars on you are probably receiving a discount.
  • Frequent insurance claims increase rates – If you frequently file small claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Companies provide cheaper rates to people who do not file claims often. Auto insurance is meant to be used in the event of the large, substantial claims.
  • Tickets mean higher rates – Good drivers get better rates than people who have multiple driving citations. Even a single moving violation can increase rates twenty percent or more. Drivers who have severe citations such as DWI, reckless driving or hit and run convictions may need to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
  • How credit affects insurance rates – Credit rating is a important factor in calculating your insurance rates. Drivers who have good credit tend to be better drivers and file fewer claims than those with lower credit scores. If your credit can use some improvement, you could potentially save money when insuring your 1996 Saturn S-Series by repairing your credit.
  • Do you qualify for a multi-policy discount? – Some insurers will award you with lower prices to policyholders who carry more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to comparison shop to verify if the discount is saving money. Drivers may still find better rates by buying insurance from a different company.

When should I use an insurance agent?

When it comes to buying the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Every situation is different so your insurance needs to address that. For example, these questions could help you determine whether you might need professional guidance.

  • Do I need added coverage for expensive stereo equipment?
  • When would I need rental car insurance?
  • Is extra glass coverage worth it?
  • Do I need special endorsements for business use of my vehicle?
  • Can I get a multi-policy discount?
  • Does my 1996 Saturn S-Series need full coverage?
  • Do I need replacement cost coverage?
  • What is roadside assistance coverage?
  • Can I afford to pay high deductible claims out of pocket?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Save 15 percent in 15 minutes? Is it for real?

Consumers can’t ignore all the ads that promise big savings by 21st Century, Allstate and State Farm. They all make the same claim that you can save after switching to their company.

How can each company make the same claim? It’s all in the numbers.

Different companies are able to cherry pick for the type of driver that earns them a profit. For instance, a preferred risk might be over the age of 40, is a homeowner, and has excellent credit. A customer who fits that profile will get the preferred rates and is almost guaranteed to pay quite a bit less when switching companies.

Consumers who fall outside the requirements will be quoted a higher premium which usually ends up with business going elsewhere. The ad wording is “people who switch” not “everybody who quotes” save that much. That is how companies can claim big savings. This emphasizes why you absolutely need to get quotes from several different companies. It’s just too difficult to predict which insurance companies will fit your personal profile best.

Car insurance 101

Learning about specific coverages of your policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average insurance policy.

Comprehensive protection

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as a broken windshield, hitting a bird, hitting a deer, vandalism and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Saturn S-Series.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability auto insurance

This coverage can cover damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage pays for things such as attorney fees, court costs and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Medical expense coverage

Med pay and PIP coverage provide coverage for bills like rehabilitation expenses, ambulance fees, doctor visits, funeral costs and surgery. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Coverage for collisions

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as rolling your car, hitting a mailbox, crashing into a building and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

A fool and his money are soon parted

We just presented some good ideas how to get a better price on 1996 Saturn S-Series insurance. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the lowest rates come from the smaller companies. These companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate, GEICO and Progressive.

When buying insurance coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced full coverage only to find out that the small savings ended up costing them much more. The aim is to find the BEST coverage for the lowest price, not the least amount of coverage.

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