Lower Your 2002 Saturn S-Series Insurance Rates

Want the cheapest car insurance rates for your Saturn S-Series? Finding better rates for car insurance can seem to be a challenge for beginners to buying insurance online. People have so many choices that it can easily become a ton of work to compare prices.

It is always a good idea to price shop coverage quite often since insurance rates are variable and change quite frequently. If you had the best price for S-Series insurance on your last policy other companies may now be cheaper. So forget anything you know (or think you know) about car insurance because I’m going to teach you the best way to lower your annual insurance bill.

How to Compare Car Insurance Costs

When shopping for car insurance there are multiple ways to compare quotes from different insurance companies. The recommended way to find the cheapest 2002 Saturn S-Series insurance rates consists of shopping online. This is very easy and can be done in a couple of different ways.

  1. The most efficient way consumers can make multiple comparisons is an all-inclusive rate comparison like this one (opens in new window). This form eliminates the need for separate quote forms for each company you want a rate for. Completing one form will return price quotes from multiple companies. This is perfect if you don’t have a lot of time.
  2. Another way to analyze rates consists of visiting the website for each individual company to request a price quote. For sake of this example, let’s say you want to compare USAA, Farmers and GEICO. To get each rate you have to visit each site and enter your 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 method you choose, be sure to compare identical coverages and limits on every quote. If you are comparing different limits and deductibles on each one it will be impossible to decipher which rate is best. Quoting even small variations in coverage limits may result in a large different in cost. It’s important to know that more quotes helps locate the best price.

How to reduce Saturn S-Series insurance rates

The cost of insuring your cars can be expensive, but companies offer discounts to help offset the cost. Certain discounts will be triggered automatically when you complete an application, but some may not be applied and must be manually applied in order for you to get them.

  • Own a Home – Simply owning a home can help you save on insurance coverage because of the fact that having a home requires personal responsibility.
  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same company you could get a discount of 10% to 20% off each policy.
  • Low Mileage – Keeping the miles down on your Saturn can qualify you for better rates on cars that stay parked.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. Just because it seems like all the discounts add up to a free policy, insurance coverage companies aren’t that generous. But all discounts will help reduce the amount you have to pay.

To see a list of insurers offering insurance coverage discounts, click here.

Tailor your coverage to you

When buying adequate coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions can help discover whether you would benefit from an agent’s advice.

  • How much liability coverage do I need in my state?
  • Is my custom paint covered by insurance?
  • How many claims can I have before being cancelled?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Why do I need rental car insurance?
  • What is medical payments coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Should I have a commercial auto policy?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Car insurance coverage information

Learning about specific coverages of your policy aids in choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists 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 many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Coverage for medical payments

Med pay and PIP coverage pay for expenses for things like hospital visits, doctor visits and dental work. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Liability car insurance

Liability coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as medical services, loss of income and medical expenses. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Comprehensive coverages

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hail damage, fire damage, hitting a deer and vandalism. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision protection

Collision coverage covers damage to your S-Series resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as scraping a guard rail, crashing into a building, colliding with a tree and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Smart consumers save more

Discount 2002 Saturn S-Series insurance is available from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to have the best selection. Some insurance providers may not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

Drivers leave their current company for a variety of reasons including unfair underwriting practices, being labeled a high risk driver, policy non-renewal or even poor customer service. It doesn’t matter what your reason, finding a new auto insurance company can be easier than you think.

You just read many ways to shop for insurance online. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. You may even discover the lowest rates come from some of the smallest insurance companies.

Additional detailed information can be found in the articles below: