Lower Your 2002 Saturn L-Series Insurance Quotes

Did you fall for a flashy sales pitch and buy an overpriced insurance policy? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out. Drivers have multiple auto insurance companies to choose from, and although it’s a good thing to have multiple companies, so many choices can make it hard to adequately compare rates.

It’s a good idea to compare prices periodically because insurance rates change regularly. Just because you found the lowest price for L-Series coverage a year ago you can probably find a better price now. Starting right now, forget all the misinformation about insurance because I’m going to teach you the best methods to find better rates and still maintain coverage.

Comprehensive Auto Insurance Comparison Quotes

Lowering your 2002 Saturn L-Series auto insurance rates doesn’t have to be difficult. The only requirement is to take a couple of minutes to compare quotes online with multiple companies. This is very easy and can be done in just a few minutes using one of these methods.

One of the best ways to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This easy form eliminates the need for separate quotes for each company. In just a few minutes this one form gets rate comparisons from several companies.
A less efficient way to shop for auto insurance online is spending the time to visit each company website and request a quote. For sake of this example, let’s say you want to compare rates from Allstate, Farmers and American Family. You would have to visit each site to enter your coverage information, and that’s why the first method is more popular.
For a list of links to insurance companies in your area, click here.

It’s your choice how you get your quotes, but be sure to compare identical information with every price quote. If you use different limits and deductibles on each one it’s not possible to find the best deal for your Saturn L-Series.

How to save on 2002 Saturn L-Series insurance

Companies offering auto insurance don’t always publicize every discount in a way that’s easy to find, so we break down both the well known and also the lesser-known auto insurance savings. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

Paperless Signup – Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
Auto/Home Discount – When you have multiple policies with the same insurance company you may earn at least 10% off all policies.
Life Insurance Discount – Some companies give lower rates if you buy auto and life insurance together.
Military Discounts – Being on active duty in the military may qualify for rate reductions.
Clubs and Organizations – Being a member of a civic or occupational organization could qualify you for a break on auto insurance for L-Series coverage.
Employee of Federal Government – Active or retired federal employment may qualify you for a discount for L-Series coverage depending on your company.

It’s important to understand that most credits do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, companies wouldn’t make money that way.

A partial list of companies that possibly offer these discounts include:

Check with each insurance company how you can save money. All car insurance discounts might not be offered in every state.

Tailor your coverage to you

When buying proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. These are some specific questions might point out whether your personal situation will benefit from professional help.

Does car insurance cover theft of personal property?
Does my policy cover my teen driver if they drive my company car?
Is my babysitter covered when using my vehicle?
Is my business laptop covered if it gets stolen from my vehicle?
Should I get collision insurance on every vehicle?
I don’t drive much so do I pay less?
How many claims can I have before being cancelled?
Is my dog or cat covered if injured in an accident?
Should I buy only the required minimum liability coverage?
Is my vehicle covered by my employer’s policy when using it for work?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Specific coverage details

Understanding the coverages of your insurance policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages found on the average insurance policy.

Auto collision coverage

This coverage will pay to fix damage to your L-Series caused by 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 coverage pays for things such as backing into a parked car, rolling your car, hitting a mailbox and colliding with a tree. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Liability insurance

Liability coverage can cover injuries or damage you cause to a person or their property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as repair costs for stationary objects, medical expenses, funeral expenses and pain and suffering. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like funeral costs, nursing services and X-ray expenses. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants in addition to being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Saturn L-Series.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive insurance

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from getting keyed, a tree branch falling on your vehicle and vandalism. The most your insurance company will pay 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.