2000 Saturn S-Series Car Insurance Cost

Trying to find the cheapest insurance rates for your Saturn S-Series? Tired of paying out the nose to buy car insurance? You’re in the same situation as many other drivers. There are many auto insurance companies to buy insurance from, and though it is a good thing to have a selection, so many choices can make it hard to find the lowest rates.

It is always a good idea to take a look at other company’s rates periodically due to the fact that insurance rates change quite often. Just because you found the lowest rates on S-Series insurance a couple years back you can probably find a better price now. You can find a lot of misleading information regarding insurance on the internet, so with this article, you’re going to get some solid techniques on how to buy insurance cheaper.

Discounts mean cheaper Saturn S-Series insurance rates

Properly insuring your vehicles can get expensive, but there are discounts available that many people don’t even know exist. Most are applied when you purchase, but a few must be asked for before you get the savings. If you’re not getting every credit available, you are paying more than you should be.

  • 55 and Retired – Mature drivers can possibly qualify for a small decrease in premiums on S-Series insurance.
  • Low Mileage Discounts – Keeping the miles down on your Saturn can earn better rates on cars that stay parked.
  • Clubs and Organizations – Being a member of a professional or civic organization could trigger savings on insurance coverage on S-Series insurance.
  • Paperwork-free – A few companies may give you up to $50 for buying a policy and signing up on their website.
  • Good Students Pay Less – This discount can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
  • Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Multi-policy Discount – When you have multiple policies with the same company you could get a discount of 10% to 20% off each policy.
  • Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.

Drivers should understand that most discounts do not apply to all coverage premiums. Most cut the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, companies wouldn’t make money that way. But any discount will bring down your premiums.

A partial list of companies that possibly offer these benefits are:

Double check with each company which discounts they offer. Some discounts may not apply in your area.

Vehicle Insurance Comparison

Getting a lower price on 2000 Saturn S-Series insurance can be quick and easy. Drivers just need to take a few minutes to compare rate quotes online with multiple companies. This can be accomplished in just a few minutes using one of these methods.

The best way to get quotes would be an industry-wide quote request form click here to open form in new window. This type of form eliminates the need for repetitive form submissions for each company you want a rate for. A single form gets you price quotes instantly.

A more difficult way to compare rate quotes consists of going to the website of each company and request a quote. For sake of this example, let’s assume you want comparison quotes from Allstate, State Farm and American Family. To get rate quotes you would need to go to every website to enter your coverage information, and that’s why the first method is more popular. To view a list of companies in your area, click here.

The least recommended way to get comparison rates is to spend your day driving to local insurance agencies. The internet eliminates the need for an insurance agent unless you require the personal advice of a licensed agent. Drivers can comparison shop your insurance online but still have the advice of a local agent and we’ll touch on that later.

It’s up to you which method you use, but make darn sure you compare exactly the same coverage information for each price quote. If you compare higher or lower deductibles you will not be able to truly determine the lowest rate.

Factors that might impact rates for a Saturn S-Series

It’s important that you understand the factors that help determine the rates you pay for car insurance. Understanding what influences your rates helps enable you to make changes that may reward you with much lower annual insurance costs.

The following are some of the items that factor into rates.

  • Higher safety ratings means cheaper insurance – Vehicles with good safety scores are cheaper to insure. The safest vehicles protect occupants better and lower injury rates means lower claim amounts passed on to you as lower rates. If your Saturn S-Series scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Being married can save on car insurance – Having a spouse actually saves money on car insurance. Having a significant other is viewed as being more responsible and it’s statistically proven that drivers who are married are more cautious.
  • Too many car insurance claims drive up costs – If you tend to file frequent claims, you can definitely plan on higher rates. Insurance companies give cheaper rates to people who are claim-free. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
  • Never allow your policy to lapse – Allowing your car insurance policy to lapse is a quick way to increase your car insurance rates. Not only will you pay more, but being ticketed for driving with no insurance can result in a steep fine or even jail time.
  • Lower rates come with age – Teen drivers have a tendency to be more careless behind the wheel so they pay higher car insurance rates. Parents adding a youthful driver onto your car insurance can really hurt. Older drivers are viewed as being more responsible, tend to cause fewer accidents and are safer drivers.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions can help discover whether you might need an agent’s assistance.

  • Should I have a commercial auto policy?
  • Am I covered if I crash into my own garage door?
  • Why do I only qualify for high-risk insurance?
  • Is there coverage for injuries to my pets?
  • Where can I find high-risk insurance?
  • Is pleasure use cheaper than using my 2000 Saturn S-Series to commute?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Save $484 a year. For real?

Drivers get pounded daily by advertisements that promise big savings from the likes of State Farm and Allstate. They all seem to make the same claim that you’ll save big after switching your coverage to them.

How does each company say the same thing?

Insurance companies have a preferred profile for the type of customer that makes them money. An example of a driver they prefer might be over the age of 40, is a homeowner, and has excellent credit. A customer who matches those parameters will get the preferred rates and therefore will save when they switch companies.

Potential customers who don’t meet the “perfect” profile will have to pay higher prices and this can result in the customer not buying. Company advertisements say “customers who switch” not “everyone that quotes” save that kind of money. This is how insurance companies can claim big savings.

Because of the profiling, drivers should compare as many rates as you can. You cannot predict the company that will have the lowest Saturn S-Series insurance rates.

What insurance coverages do you need?

Having a good grasp of insurance can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types found on the average insurance policy.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Saturn S-Series.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage reimburse you for immediate expenses like EMT expenses, funeral costs, ambulance fees and hospital visits. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision – This coverage will pay to fix damage to your S-Series resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as damaging your car on a curb, colliding with another moving vehicle and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability coverages – This coverage provides protection from damages or injuries you inflict on people or other property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as structural damage, repair bills for other people’s vehicles and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive insurance – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hitting a deer, damage from flooding and a broken windshield. The highest amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Cheaper insurance is a realistic goal

Affordable 2000 Saturn S-Series insurance can be purchased both online and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies do not offer online quoting and these small insurance companies work with independent agents.

We just presented some good ideas how to shop for insurance online. The key thing to remember is the more providers you compare, the better your comparison will be. Consumers could even find that the lowest premiums are with an unexpected company. Smaller companies may only write in your state and offer lower rates than their larger competitors like Allstate, GEICO and Progressive.

More information is located on the following sites: