Lower Your 2000 Saturn L-Series Car Insurance Rates

Nobody enjoys paying for auto insurance, especially knowing their premiums are through the roof. You have multiple insurers to insure vehicles with, and though it is a good thing to have multiple companies, it makes it harder to compare rates and cut insurance costs.

How to reduce Saturn L-Series insurance rates

The cost of insuring your cars can be expensive, but companies offer discounts that you may not know about. Certain discounts will be applied when you quote, but a few need to be asked about before you will receive the discount. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Service Members Pay Less – Being deployed with a military unit could mean lower rates.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Use Seat Belts – Drivers who require all occupants to use a seat belt can save up to 15% off your medical payments premium.
  • Senior Citizens – Mature drivers may be able to get a discount up to 10% on L-Series insurance.
  • Life Insurance Discount – Companies who offer life insurance give a break if you buy life insurance.
  • Discount for Good Grades – A discount for being a good student can save 20 to 25%. The good student discount can last up to age 25.
  • Multi-car Discount – Buying insurance for more than one vehicle with the same company could earn a price break for each car.
  • College Student – Any of your kids who live away from home without a vehicle on campus can receive lower rates.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. The majority will only reduce specific coverage prices like liability, collision or medical payments. Even though it may seem like you can get free auto insurance, it just doesn’t work that way. But all discounts will cut the amount you have to pay.

Car insurance companies that may have these benefits are:

Check with each company which discounts they offer. Some discounts may not be available in every state.

Tailor your coverage to you

When it comes to choosing coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions can aid in determining if your insurance needs might need professional guidance.

  • Do I need higher collision deductibles?
  • When would I need additional glass coverage?
  • How do I insure my teen driver?
  • Should I rate my 2000 Saturn L-Series as pleasure use or commute?
  • Can I afford to buy a different vehicle if my 2000 Saturn L-Series is totaled?
  • Does having multiple vehicles earn me a discount?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Do drivers who switch really save?

Consumers get pounded daily by advertisements for the lowest price auto insurance from the likes of State Farm and Allstate. All the ads make an identical promise that you’ll save big if you change your coverage to them.

How does each company make the same claim?

All companies have a certain “appetite” for the right customer that earns them a profit. A good example of a preferred risk might be profiled as between 30 and 50, insures multiple vehicles, and chooses high deductibles. Any new insured who fits that profile gets the lowest rates and as a result will probably save when they switch companies.

Potential insureds who are not a match for this ideal profile will be charged higher prices and this can result in the customer not buying. The ads say “customers who switch” but not “drivers who get quotes” save money. That’s why insurance companies can confidently state the savings.

That is why drivers should get as many comparisons as possible. It is impossible to predict which company will have the lowest Saturn L-Series insurance rates.

Parts of your auto insurance policy

Having a good grasp of a auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. These are typical coverage types found on the average auto insurance policy.

Comprehensive coverages

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, damage from a tornado or hurricane, a broken windshield, hitting a bird and vandalism. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical payments

Med pay and PIP coverage reimburse you for bills for pain medications, dental work, EMT expenses and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Saturn L-Series.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits are set the same as your liablity limits.

Liability coverage

This coverage provides protection from damages or injuries you inflict on other’s property or people. It protects you against other people’s claims. It does not 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 values of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as funeral expenses, repair bills for other people’s vehicles, repair costs for stationary objects, medical services and attorney fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision protection

Collision insurance covers damage to your L-Series from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like backing into a parked car, driving through your garage door and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

A fool and his money are soon parted

In this article, we covered many ideas to get a better price on 2000 Saturn L-Series insurance. The key thing to remember is the more companies you get rates for, the better your comparison will be. You may even discover the biggest savings come from the least-expected company. Regional companies often have lower prices on specific markets compared to the large companies like State Farm and Allstate.

Affordable insurance is definitely available on the web and with local insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some companies do not offer online price quotes and these regional insurance providers work with independent agents.

Additional insurance coverage information can be found below: