Trying to find the cheapest auto insurance rates for your Saturn S-Series? Tired of paying out the nose each month for car insurance? You are in the same boat as millions of other consumers. Because you have many companies to choose from, it can be hard to find the lowest cost insurer.
Smart consumers take time to get comparison quotes before your policy renews because prices change regularly. If you had the best rates for S-Series coverage last year there is a good chance you can find better rates now. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to one of the easiest ways to save money, get proper deductibles and limits, all at the lowest rate.
Shopping for lower insurance coverage rates can be exhausting if you don’t know the most efficient way. You can waste a few hours (or days) driving to agents in your area, or you could save time and use online quoting to quickly compare rates.
Many insurance companies take part in a program where insurance shoppers complete one form, and at least one company then returns a price quote based on that data. This system prevents you from having to do quote forms to each individual insurance coverage company.
To access this free quoting program, click here to start a free quote.
The only drawback to comparing rates this way is you are unable to specify which companies to receive prices from. If you wish to select specific insurance companies to compare prices, we put together a list of the cheapest insurance coverage companies in your area. View list of insurance companies.
It’s your choice how you get your quotes, but make sure you use the exact same coverage limits with every price quote. If you have different liability limits it will be next to impossible to determine which rate is truly the best.
Consumers constantly see and hear ads for the lowest price auto insurance from the likes of State Farm and Allstate. All the companies make the same claim of big savings if you switch your coverage to them.
How does each company make the same claim?
All the different companies have a certain “appetite” for the type of customer that earns them a profit. A good example of a desirable insured might be profiled as over the age of 50, has no driving citations, and drives newer vehicles. Any new insured who meets those qualifications is entitled to the best price and as a result will probably cut their rates substantially.
Consumers who don’t measure up to this ideal profile will have to pay higher rates and ends up with the customer not buying. Company advertisements say “drivers who switch” not “everybody who quotes” save money. That is how insurance companies can confidently advertise the savings.
Because of the profiling, you need to get as many comparisons as possible. It’s not possible to predict which company will provide you with the cheapest Saturn S-Series insurance rates.
Insurance can be prohibitively expensive, but discounts can save money and there are some available that you may not know about. Some discounts apply automatically at the time you complete a quote, but some may not be applied and must be specifically requested before you get the savings. If you aren’t receiving every discount possible, you are paying more than you should be.
It’s important to understand that many deductions do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as medical payments or collision. Just because it seems like all those discounts means the company will pay you, you won’t be that lucky. But all discounts will help reduce the amount you have to pay.
Insurance companies that possibly offer these discounts include:
Double check with each company how you can save money. Some discounts may not apply in your state.
When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions could help you determine whether your personal situation might need an agent’s assistance.
If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.
Learning about specific coverages of your policy can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages offered by car insurance companies.
Comprehensive car insurance
Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive can pay for claims like vandalism, hail damage and rock chips in glass. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Auto liability insurance
This will cover damage that occurs to people or other property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.
Liability can pay for things like court costs, repair costs for stationary objects and bail bonds. How much liability should you purchase? That is your choice, but buy as much as you can afford.
Coverage for uninsured or underinsured drivers
This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Saturn S-Series.
Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
This coverage pays for damage to your S-Series from colliding with another car or object. A deductible applies then your collision coverage will kick in.
Collision can pay for things like damaging your car on a curb, colliding with another moving vehicle, hitting a mailbox, sustaining damage from a pot hole and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.
Coverage for medical expenses
Coverage for medical payments and/or PIP kick in for bills such as X-ray expenses, EMT expenses, hospital visits and nursing services. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers you and your occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay
Cheaper 2001 Saturn S-Series insurance can be sourced from both online companies and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies do not offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.
You just read many tips how you can lower your insurance rates. The most important thing to understand is the more companies you get rates for, the better your comparison will be. Consumers may even find the lowest priced car insurance comes from a company that doesn’t do a lot of advertising. They may only write in your state and offer lower rates compared to the large companies like State Farm and Allstate.
When you buy insurance online, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced liability coverage limits to discover at claim time they didn’t have enough coverage. The aim is to find the BEST coverage at the best price, not the least amount of coverage.
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