Cheap 2000 Saturn L-Series Insurance Rates

Searching for better insurance rates for your Saturn L-Series? Scraping up a payment for overpriced Saturn L-Series insurance can drain your savings account and put the squeeze on your family’s finances. Doing a price comparison is a smart way to make sure you’re not throwing money away.

Drivers have so many insurers to pick from, and although it’s nice to have a selection, too many choices makes it more difficult to find the lowest rates.

Choosing the best insurance company for you is not that difficult. If you have car insurance now, you should be able to save some money using this strategy. Although car owners do need to learn the way companies price insurance differently and take advantage of how the system works.

Saturn L-Series insurance rates consist of many parts

Consumers need to have an understanding of some of the elements that go into determining your insurance rates. Having a good understanding of what controls the rates you pay allows you to make educated decisions that will entitle you to lower insurance prices.

Listed below are a few of the “ingredients” companies use to determine prices.

  • High numbers of claims are not good – If you are a frequent claim filer, you can expect either a policy non-renewal or much higher rates. Car insurance companies provide discounts to drivers who are claim-free. Auto insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Do you need the policy add-ons? – There are a lot of extra bells and whistles that you can get tricked into buying on your L-Series policy. Coverages for personal injury protection, accidental death and additional equipment coverage are examples of these. These may sound like a good investment when talking to your agent, but now you might not need them so eliminate them to save money.
  • Don’t sacrifice liability coverage – Your policy’s liability coverage provides coverage if ever you are found to be at fault for damages caused by your negligence. It provides legal defense starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so do not skimp.
  • No coverage gaps is important – Driving your car without having proper coverage can get your license suspended and your next policy will cost more because you let your insurance expire. And not only will your rates increase, but being ticketed for driving with no insurance may earn you a steep fine or even jail time.
  • High crash test scores lower rates – Safer cars can get you lower premiums. The safest vehicles protect occupants better and lower injury rates translates into savings for insurance companies and lower rates for you. If the Saturn L-Series has ratings of a minimum four stars on you may qualify for a discount.

How to Compare Car Insurance Costs

When shopping for car insurance there are multiple ways to compare rate quotes from different insurance companies. One of the best ways to find the lowest 2000 Saturn L-Series rates involves getting comparison quotes online. This is very easy and can be done in several different ways.

  • One of the best ways consumers can analyze rates is an all-inclusive rate comparison like this one (opens in new window). This type of form keeps you from doing boring form submissions to each individual car insurance company. One simple form gets rate comparisons direct from many companies.
  • A less efficient way to find lower rates is to take the time to go to each company website to complete a price quote. For examples sake, let’s say you want comparison quotes from USAA, Liberty Mutual and State Farm. To find out each rate you need to take the time to go to each site and enter your policy data, which is why most consumers use the first method.

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

  • The most time-consuming method to compare rates is driving to insurance agents’ offices. Shopping for car insurance online can eliminate the need for a local agent unless you want the professional advice that only a license agent can provide. It is possible to obtain prices from the web and still use a local agent. We’ll cover that shortly.

It’s up to you how you get prices quotes, just make absolute certain that you use exactly the same deductibles and coverage limits on every quote. If each company quotes different limits and deductibles on each one it will be impossible to make a fair comparison for your Saturn L-Series. Just a small difference in insurance coverages can mean a large discrepancy in price. And when quoting car insurance, remember that comparing more company’s prices helps locate the best price.

More discounts equal less premium

Companies do not list every discount in an easy-to-find place, so here is a list both the well known and the harder-to-find savings tricks you should be using.

  • Federal Government Employee – Simply working for the federal government may qualify you for a discount for L-Series insurance depending on your company.
  • Homeowners Discount – Owning a home can help you save on insurance coverage due to the fact that maintaining a home is proof that your finances are in order.
  • Low Mileage – Low mileage vehicles could qualify for discounted rates on garaged vehicles.
  • Service Members Pay Less – Being deployed with a military unit can result in better rates.
  • Safety Course Discount – Taking part in a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
  • Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
  • Discount for Life Insurance – Larger companies have lower rates if you buy life insurance.
  • Sign Online – Some insurance companies give back up to $50 just for signing your application digitally online.
  • Passive Restraints and Air Bags – Factory air bags can qualify for discounts up to 30%.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only apply to specific coverage prices like comprehensive or collision. Just because you may think you would end up receiving a 100% discount, it doesn’t quite work that way.

A partial list of companies that possibly offer these discounts may include but are not limited to:

Check with every prospective company how you can save money. Discounts may not apply in your state.

It’s not one size fits all

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions could help you determine if you would benefit from professional advice.

  • Should I buy additional glass protection?
  • Should I waive the damage coverage when renting a car?
  • Is my teenager covered with friends in the car?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Are my friends covered when driving my car?
  • Are my friends covered when driving my 2000 Saturn L-Series?
  • If my pet gets injured in an accident are they covered?

If it’s difficult to answer those questions, you might consider 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.

The coverage is in the details

Having a good grasp of auto insurance can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average auto insurance policy.

Coverage for medical payments

Med pay and PIP coverage pay for expenses like X-ray expenses, surgery, nursing services, ambulance fees and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Auto liability insurance

Liability insurance protects you from damage or injury you incur to a person or their property by causing an accident. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers claims like pain and suffering, attorney fees, emergency aid and funeral expenses. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Auto collision coverage

Collision insurance covers damage to your L-Series resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like damaging your car on a curb, crashing into a ditch and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as theft, hitting a bird and vandalism. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured and underinsured coverage

This provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Saturn L-Series.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Take this to the bank

We covered some good ideas how to compare 2000 Saturn L-Series insurance prices online. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. You may even discover the lowest premiums are with a lesser-known regional company. Some small companies can often provide lower rates in certain areas than the large multi-state companies such as Allstate, GEICO and Progressive.

When buying insurance coverage, make sure you don’t skimp on coverage in order to save money. There are many occasions where drivers have reduced liability limits or collision coverage to discover at claim time that the savings was not a smart move. Your focus should be to buy the best coverage you can find at a price you can afford.

Additional detailed information can be read in the articles below: