Compare 2001 Saturn S-Series Insurance Quotes

Looking for the cheapest auto insurance rates for your Saturn S-Series? Sick and tired of trying to scrape together enough money to pay your car insurance bill each month? You are no different than many other drivers.

With consumers having so many options when it comes to auto insurance, it can be impossible to pick the cheapest insurance company.

Consumers should take time to price shop coverage once or twice a year due to the fact that insurance rates are usually higher with each renewal. If you had the lowest price for S-Series insurance last year you can probably find a better price now. There is a lot of bad information regarding auto insurance on the web, but by reading this article, you’re going to learn some tested techniques to stop overpaying for insurance.

The purpose of this article is to teach you how car insurance quotes work and some money-saving tips. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these methods. But car owners can benefit by having an understanding of the methods companies use to price insurance differently and use this information to your advantage.

How to Buy Insurance Online

There are several ways of comparing rate quotes and find the best price. The quickest method to compare 2001 Saturn S-Series insurance prices involves getting comparison quotes online. This can be done in several different ways.

Probably the best way to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This type of form eliminates the need for a different quote for each company. One quote request will return quotes from insurance companies with the best prices.

A different way to analyze rates consists of going to each company’s website to complete their respective quote request forms. For example, let’s assume you want to compare GEICO, Esurance and Liberty Mutual. To get rate quotes you would need to spend time on each company’s site to input your insurance information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.

It doesn’t matter which method you choose, just ensure you are comparing exactly the same coverage limits with each company. If you use different liability limits it will be impossible to make an equal comparison. Slightly different coverage limits can result in a big premium difference. Just remember that having more price comparisons will enable you to find a better price.

These discounts can lower your rates

The cost of insuring your cars can be expensive, buy you may qualify for discounts to help offset the cost. Certain discounts will be applied when you quote, but a few must be requested specifically in order for you to get them.

  • Payment Method – If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • More Vehicles More Savings – Having multiple cars or trucks with the same company could earn a price break for each car.
  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for S-Series insurance than drivers with accident claims.
  • Distant Student – Youth drivers who are attending college and do not have a car may qualify for this discount.
  • Paperwork-free – Some insurance companies give back up to $50 for buying your policy over the internet.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Saturn could qualify for better rates on cars that stay parked.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.

Consumers should know that most discount credits are not given to the entire cost. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, you won’t be that lucky. Any amount of discount will help reduce your overall premium however.

A partial list of companies that may have these money-saving discounts may include but are not limited to:

Check with each company what discounts are available to you. Some discounts might not apply in your area.

Different people need different coverages

When it comes to choosing the best insurance coverage, there really is no “perfect” insurance plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining if you would benefit from professional advice.

  • Do I have coverage for damage caused while driving under the influence?
  • Do I need PIP coverage since I have good health insurance?
  • What is the minimum liability in my state?
  • Am I covered if I hit my neighbor’s mailbox?
  • If my pet gets injured in an accident are they covered?
  • What is covered by UM/UIM coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Factors that might impact rates for a Saturn S-Series

It’s important that you understand some of the elements that come into play when calculating the rates you pay for insurance. Understanding what impacts premium levels allows you to make educated decisions that could result in better insurance rates.

The list below includes a partial list of the pieces companies use to determine premiums.

  • Better credit means lower rates – A driver’s credit rating is a huge factor in determining what you pay for insurance. Consumers who have good credit tend to be less risk to insure than drivers with lower credit scores. Therefore, if your credit can use some improvement, you could save money insuring your 2001 Saturn S-Series by spending a little time repairing your credit.
  • High numbers of claims are not good – If you file claims often, you can expect higher rates. Car insurance companies provide cheaper rates to people who do not file claims often. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.
  • Protect your assets with liability insurance – Liability insurance provides coverage if ever a jury decides you are liable for damages caused by your negligence. Liability provides legal defense coverage which can be incredibly expensive. This coverage is very inexpensive compared to physical damage coverage, so drivers should carry high limits.
  • Women pay lower rates – Statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that men are WORSE drivers than women. They both have accidents in similar numbers, but the males cause more damage. They also receive more costly citations such as reckless driving. Teenage male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Mature drivers pay less – Mature drivers are more responsible, tend to file fewer claims and tend to be better behind the wheel. Teenage drivers have a tendency to be less responsible in a vehicle therefore insurance rates are much higher.
  • Discounts for multiple policies – Many insurers provide better rates to customers who carry more than one policy. It’s known as a multi-policy discount. Discounts can be five, ten or even twenty percent. Even if you’re getting this discount it’s in your best interest to compare other company rates to verify if the discount is saving money. You may still find better rates by insuring with multiple companies.
  • Where you reside plays a part – Residing in less populated areas can save you money when buying insurance. Drivers who live in large cities have to deal with traffic congestion and much longer commute distances. Less people living in that area means reduced accidents.
  • Choose a safe vehicle and save – Vehicles with good safety scores are cheaper to insure. These vehicles result in less severe injuries and fewer injuries means lower claim amounts and lower rates for you. If your Saturn S-Series scored better than four stars on it is probably cheaper to insure.

Is there truth in advertising?

Insurance coverage companies such as State Farm, Allstate and GEICO constantly bombard you with television and radio advertisements. They all seem to have a common claim that you’ll save big if you switch your coverage to them. How do they all claim to save you money? This is how they do it.

Insurance companies have a preferred profile for the type of customer they prefer to insure. For instance, a preferred risk could possibly be over the age of 40, a clean driving record, and drives less than 10,000 miles a year. Any new insured who meets those qualifications will get the preferred rates and therefore will pay quite a bit less when switching companies.

Consumers who don’t measure up to the “perfect” profile must pay a more expensive rate which usually ends up with the customer not buying. The ad wording is “customers who switch” not “everybody who quotes” save money. That is how companies can truthfully make those claims.

This illustrates why drivers must compare many company’s rates. Because you never know which company will have the lowest Saturn S-Series insurance rates.

Car insurance coverage considerations

Knowing the specifics of car insurance can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages offered by car insurance companies.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for funeral costs, chiropractic care, nursing services, doctor visits and hospital visits. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from flooding, rock chips in glass, hitting a deer and a tree branch falling on your vehicle. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability insurance

Liability insurance protects you from injuries or damage you cause to people or other property. This coverage protects you against other people’s claims. Liability doesn’t 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. You might see limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as pain and suffering, medical services and loss of income. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Coverage for collisions

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 have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like crashing into a building, crashing into a ditch, colliding with a tree and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

The best insurance company isn’t always the cheapest

We covered a lot of tips how to get a better price on 2001 Saturn S-Series insurance. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding lower rates. You may be surprised to find that the biggest savings come from an unexpected company. They can often provide lower rates in certain areas than their larger competitors like State Farm and Allstate.

While you’re price shopping online, it’s very important that you do not reduce needed coverages to save money. There are a lot of situations where an insured cut liability limits or collision coverage only to discover later that it was a big mistake. Your focus should be to find the BEST coverage for the lowest price while not skimping on critical coverages.

Low-cost insurance can be sourced on the web and with local insurance agents, so compare prices from both to have the best selection. Some insurance companies do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

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