Trying to find the cheapest insurance for a Saturn Aura can be a painful process, but you can learn a few tricks and make it easy. There are more efficient ways to shop for car insurance and you need to know the absolute fastest way to price shop coverage for a new or used Saturn and obtain the lowest possible price from both online companies and local agents.
Smart consumers take time to compare prices before your policy renews because insurance rates are usually higher with each renewal. Just because you found the best deal for Aura insurance last year the chances are good that you can find a lower rate today. You can find a lot of misleading information regarding car insurance online, so we’re going to give you the easiest ways to quit paying high car insurance rates.
All major car insurance companies like State Farm, Allstate and GEICO provide prices for coverage on the web. Getting quotes is pretty painless as you just type in your coverage information into the quote form. When complete, the company’s rating system automatically retrieves your driving record and credit report and generates a price based on these factors.
Online quotes makes comparing rates easy, but the process of having to visit each company’s website and repetitively type in the same information is repetitive and time-consuming. But it’s absolutely necessary to compare as many rates as possible if you are searching for better car insurance pricing.
The better way to compare rates
An easier way to get multiple rate quotes requires only one form that obtains quotes from a lot of companies. The form is fast, reduces the work, and makes rate comparisons a lot less work. After sending your information, it gets priced and you are able to buy any one of the quote results. If the quotes result in lower rates, you can click and sign and purchase coverage. The entire process takes just a few minutes to complete and you will find out if you’re overpaying now.
If you want to compare rates now, simply click here to open in new window and begin entering your coverage information. If you have a policy now, it’s recommended you duplicate coverages and limits exactly as shown on your declarations page. Doing this guarantees you will be getting comparison quotes for similar insurance coverage.
Companies don’t necessarily list all available discounts in an easy-to-find place, so we took the time to find both the well known and also the lesser-known savings tricks you should be using. If they aren’t giving you every credit available, you’re just leaving money on the table.
As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, it doesn’t quite work that way.
For a list of insurers with discount insurance rates, click here.
When choosing proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s situation is unique.
These are some specific questions can aid in determining if your insurance needs might need professional guidance.
If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and may give you better protection.
Knowing the specifics of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.
Auto liability insurance – Liability coverage can cover injuries or damage you cause to people or other property in an accident. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.
Liability can pay for claims such as funeral expenses, bail bonds and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.
Comprehensive insurance – This coverage covers 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 insurance covers things such as hitting a bird, vandalism and damage from flooding. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Saturn Aura.
Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.
Collision coverages – Collision insurance pays for damage to your Aura from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things like backing into a parked car, sustaining damage from a pot hole, damaging your car on a curb and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.
Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as EMT expenses, chiropractic care, pain medications, dental work and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage