View 1998 Saturn S-Series Car Insurance Quotes

Want cheaper insurance rates for your Saturn S-Series? No one likes paying for insurance, especially when the cost is too high.

Popular companies such as State Farm, Farmers Insurance, GEICO and Allstate all claim big savings, bombarding you with fancy advertisements and it is difficult to see past the corporate glitz and do the work needed to find the best deal.

Consumers need to compare rates yearly since rates change quite often. If you had the lowest rates for S-Series insurance two years ago you may be paying too much now. There is too much inaccurate information about insurance on the web, but with this article, you’re going to get some good information on how to quit paying high insurance rates.

Elements that influence Saturn S-Series insurance rates

Smart consumers have a good feel for some of the elements that come into play when calculating the price you pay for car insurance. Knowing what controls the rates you pay empowers consumers to make smart changes that will entitle you to big savings.

  • Higher safety ratings means cheaper insurance – Vehicles with good safety scores tend to have better insurance rates. The safest vehicles have better occupant injury protection and lower injury rates translates into savings for insurance companies passed on to you as lower rates. If your Saturn S-Series has ratings of a minimum four stars on or an “acceptable” rating on you are probably receiving a discount.
  • One company can mean more discounts – Some insurers will give a discount to policyholders who buy several policies from them in the form of a multi-policy discount. Even with this discount, you still need to compare other company rates to make sure you are getting the best deal.
  • Rates may be higher depending on your occupation – Occupations such as judges, business owners and financial analysts tend to have higher average rates due to stressful work requirements and long work days. Conversely, occupations such as pilots, engineers and the unemployed receive lower rates for S-Series insurance.
  • Don’t let your coverage lapse – Driving your car without having proper coverage can get your license suspended and you will pay a penalty because you let your coverage lapse. Not only will rates go up, but not being able to provide proof of insurance will get you a license revocation or jail time.
  • Keep rates low by being claim-free – If you frequently file small claims, you can look forward to higher rates. Companies award lower rates to insureds who are claim-free. Insurance coverage is intended for larger claims.

Compare Auto Insurance Today

The are a couple different ways of comparing rate quotes and find the best price. The simplest method to compare 1998 Saturn S-Series insurance prices involves getting comparison quotes online. This can be accomplished in just a few minutes using one of these methods.

One of the best ways to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This method saves time by eliminating a different quote to each individual auto insurance company. A single form gets rate comparisons from many national carriers.

A harder way to compare rate quotes requires a trip to the website for each individual company to complete their respective quote request forms. For sake of this example, we’ll pretend you want to compare rates from Auto-Owners, Liberty Mutual and State Farm. To get each rate you have to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular.

For a list of links to companies insuring cars in your area, click here.

Whichever way you use, be sure to compare the exact same coverages on every quote you get. If you are comparing higher or lower deductibles it will be impossible to determine which rate is truly the best. Having just a slight variation in insurance coverages can result in a big premium difference. Just remember that obtaining a wide range of quotes gives you a better chance of getting better pricing.

Don’t be fooled by advertising claims

Insurance coverage providers like Allstate, GEICO and Progressive constantly bombard you with ads in print and on television. They all say the same thing about savings if you switch to their company. How does each company make the same claim? This is how they do it.

All the different companies have a preferred profile for the driver that is profitable for them. For instance, a profitable customer might be profiled as over the age of 40, has no driving citations, and has great credit. A customer getting a price quote who meets those qualifications receives the best rates and therefore will save when switching.

Consumers who do not match these standards will be quoted a higher premium which usually ends up with the driver buying from a lower-cost company. The ad wording is “customers who switch” not “everybody who quotes” save that much money. That is how companies can make the claims of big savings. This emphasizes why you need to get a wide range of price quotes. It’s not possible to predict which insurance coverage company will have the lowest Saturn S-Series insurance rates.

Discounts mean cheaper 1998 Saturn S-Series insurance rates

Companies don’t necessarily list every available discount in a way that’s easy to find, so we took the time to find some of the best known as well as the least known savings tricks you should be using.

  • Early Signing – Select companies give a discount for switching to them prior to your current policy expiring. This can save 10% or more.
  • Military Rewards – Being on active duty in the military could be rewarded with lower premiums.
  • Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • College Student – Kids in college living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Passive Restraint Discount – Factory air bags or automatic seat belts can receive discounts of more than 20%.
  • Accident Free – Good drivers with no accidents pay much less as compared to accident-prone drivers.

Drivers should understand that most discount credits are not given to the overall cost of the policy. Most only reduce specific coverage prices like comprehensive or collision. Just because you may think you could get a free insurance coverage policy, you won’t be that lucky.

A partial list of companies who might offer these discounts are:

Check with each company how you can save money. Savings might not be offered in every state.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions might help in determining whether you could use an agent’s help.

  • Exactly who is provided coverage by my policy?
  • Do I have newly-aquired coverage?
  • What is high-risk coverage and where do I buy it?
  • What companies insure drivers after a DUI or DWI?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I need higher collision deductibles?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Car insurance coverage options for a 1998 Saturn S-Series

Understanding the coverages of car insurance can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the normal coverages offered by car insurance companies.

Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for immediate expenses like rehabilitation expenses, dental work, ambulance fees, nursing services and funeral costs. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Saturn S-Series.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Collision coverages – This covers damage to your S-Series resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as scraping a guard rail, crashing into a building, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Liability coverages – Liability coverage will cover damages or injuries you inflict on people or other property. It protects YOU from legal claims by others, and 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. You might see policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things such as bail bonds, repair bills for other people’s vehicles, structural damage and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like rock chips in glass, damage from flooding, hitting a deer, damage from a tornado or hurricane and falling objects. The most your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Be a penny pincher

Cheap 1998 Saturn S-Series insurance can be sourced from both online companies and also from your neighborhood agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers may not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

When trying to cut insurance costs, it’s a bad idea to buy less coverage just to save a little money. In too many instances, an insured cut collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy the best coverage you can find at the best price.

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