2008 Saturn Aura Insurance Rates

Comparison shopping for auto insurance is always nearly impossible for people who are new to comparing rates online. People have so many options available that it can quickly become a big hassle to find the best price.

You need to check auto insurance prices once or twice a year because prices tend to go up over time. Just because you had the best rates on Aura insurance two years ago you can probably find a lower rate today. So forget anything you know (or think you know) about auto insurance because we’re going to show you the things you must know in order to find better rates and still maintain coverage.

Pieces of the Saturn Aura insurance rate puzzle

An important part of buying insurance is that you know some of the elements that come into play when calculating the rates you pay for insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that will entitle you to big savings.

  • Always keep insurance in force – Allowing your coverage to lapse is a sure-fire way to bump up your insurance costs. Not only will you pay more, but not being able to provide proof of insurance can result in a steep fine or even jail time.You may need to file a SR-22 with your state motor vehicle department.
  • Optional equipment can affect rates – Driving a car with anti-theft technology or alarm system can save you a little every year. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.
  • Safe vehicles cost less to insure – Vehicles with high crash test scores are cheaper to insure. Safer cars reduce injuries and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If your Saturn earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Do men or women drive better? – Statistics have proven women are more cautious behind the wheel. Now that doesn’t mean men are WORSE drivers than women. They both tend to get into accidents at about the same rate, but men tend to have more serious accidents. Men also get cited for more serious violations like reckless driving and DUI.

Finding Insurance Coverage Deals

When shopping for insurance coverage there are multiple ways to compare rate quotes and find the best price. The recommended way to compare 2008 Saturn Aura insurance prices involves getting comparison quotes online. It is quite easy and can be accomplished in a couple of different ways.

  • Probably the best way to find low rates is a comparison rater form like this one (opens in new window). This easy form prevents you from having to do a different quote for each company you want a rate for. Completing one form compares rates instantly. Just one form and you’re done.
  • A slightly less efficient method to compare rate quotes consists of visiting each individual company website to request a price quote. For instance, let’s say you want to compare rates from GEICO, Progressive and GMAC. To get each rate you have to spend time on each company’s site and enter your policy data, which is why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

  • The least efficient method of comparing rate quotes is driving to insurance agents’ offices. The ability to buy insurance online makes this process obsolete unless you require the trained guidance only provided by licensed agents. It is possible to price shop online but buy from a local insurance agent. We’ll cover that shortly.

However you get your quotes, ensure you are comparing apples-to-apples coverage limits for each comparison quote. If you enter different limits and deductibles on each one it’s not possible to determine the best price for your Saturn Aura. Having just a slight variation in coverage limits can make a big difference in price. Just keep in mind that comparing a large number of companies will increase your chances of finding better pricing.

Misconceptions in insurance coverage advertisements

Insurance coverage providers like Allstate, GEICO and Progressive continually stream ads on TV and radio. They all make an identical promise of big savings after switching to them. But how can every company say the same thing? It’s all in the numbers.

Different companies have a certain “appetite” for the type of customer they prefer to insure. For example, a desirable insured might be between 25 and 40, is a homeowner, and drives less than 10,000 miles a year. Any driver who fits that profile is entitled to the best price and is almost guaranteed to pay quite a bit less when switching companies.

Potential customers who don’t qualify for the requirements will be quoted higher premiums which usually ends up with the customer not buying. The ad wording is “people who switch” but not “drivers who get quotes” save that much money. This is how insurance companies can confidently advertise the way they do. This emphasizes why it’s extremely important to compare as many rates as you can. Because you never know which insurance coverage company will fit your personal profile best.

Lots of discounts mean lots of savings

Companies that sell car insurance don’t necessarily list every discount very well, so we took the time to find both well-publicized and also the lesser-known savings tricks you should be using.

  • Discount for Life Insurance – Companies who offer life insurance give a break if you buy auto and life insurance together.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can receive discounts up to 30%.
  • Discount for Swiching Early – Some companies give discounts for switching policies before your current expiration date. The savings is around 10%.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Discount for Good Grades – This discount can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Paperless Signup – Certain companies will give a small break just for signing your application online.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts could save 15% off your PIP or medical payments premium.
  • Government Employees – Employees or retirees of the government could cut as much as 10% off on Aura insurance with a few car insurance companies.
  • Bundle and Save – When you have multiple policies with the same company you may earn up to 20% off your total premium.

As a disclaimer on discounts, most discount credits are not given the the whole policy. Most only apply to the price of certain insurance coverages like comp or med pay. So when the math indicates all the discounts add up to a free policy, it doesn’t quite work that way.

To see a list of insurance companies with discount car insurance rates, click this link.

Situations that might require an agent

When it comes to buying the right insurance coverage, there is no “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that may help highlight if your insurance needs would benefit from professional advice.

  • Does my policy cover me when driving someone else’s vehicle?
  • Am I covered when using my vehicle for business?
  • What are the financial responsibility laws in my state?
  • What is the ISO rating for a 2008 Saturn Aura?
  • Are my friends covered when driving my 2008 Saturn Aura?
  • Do I have any recourse if my insurance company denies a claim?
  • Does insurance cover damages from a DUI accident?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.

What insurance coverages do you need?

Learning about specific coverages of a insurance policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Coverage for medical payments

Med pay and PIP coverage provide coverage for expenses like surgery, EMT expenses, X-ray expenses and funeral costs. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Coverage for liability

This will cover damage or injury you incur to people or other property by causing an accident. It protects YOU against other people’s claims, 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. You might see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like repair bills for other people’s vehicles, attorney fees and funeral expenses. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Comprehensive coverages

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like fire damage, damage from getting keyed, theft, damage from a tornado or hurricane and rock chips in glass. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Saturn Aura.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sideswiping another vehicle, backing into a parked car, sustaining damage from a pot hole, colliding with a tree and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Spend less. Save more.

When trying to cut insurance costs, it’s very important that you do not reduce needed coverages to save money. In too many instances, an accident victim reduced full coverage only to find out that they should have had better coverage. Your focus should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

In this article, we covered a lot of tips how to shop for 2008 Saturn Aura insurance online. The most important thing to understand is the more rate quotes you have, the higher your chance of finding lower rates. Consumers may even find the most savings is with the least-expected company.

Insureds change insurance companies for a variety of reasons including extreme rates for teen drivers, questionable increases in premium, not issuing a premium refund or policy cancellation. Whatever your reason, finding a new insurance company can be pretty painless.

Much more information about insurance can be found on the following sites: