1995 Saturn S-Series Car Insurance Quotes – 10 Policy Discounts

Searching for cheaper auto insurance rates for your Saturn S-Series? I can’t think of anyone who enjoys paying for auto insurance, especially when the price is too high. Many car insurance companies vie to insure your vehicles, and because of this it can be hard to compare insurance companies to get the lowest price

You should take the time to take a look at other company’s rates at least once a year because prices are adjusted regularly by insurance companies. If you had the best price for S-Series coverage a few years ago you may be paying too much now. Starting now, ignore everything you know about auto insurance because we’re going to show you the fastest and easiest way to remove unneeded coverages and save money.

How to Compare Insurance Coverage Rates

Getting better 1995 Saturn S-Series insurance coverage pricing is a fairly straight forward process. Consumers just need to take the time comparing price quotes provided by online insurance companies. This is very easy and can be done using a couple different methods.

  1. One of the simplest ways to get the best comparison quotes is to use a rate comparison form click to view form in new window. This easy form keeps you from doing repetitive form submissions for each company you want a rate for. One quote request gets rate comparisons from insurance coverage companies with the best prices.
  2. A slightly less efficient method to get comparison quotes is going to each company website and complete a new quote form. For example, let’s say you want rates from Auto-Owners, State Farm and Farmers. To find out each rate you need to visit each site and enter your policy data, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.
  3. The least recommended way of comparing rate quotes is driving to local insurance agencies. The internet makes this process obsolete unless you prefer the professional guidance of a licensed agent. However, consumers can price shop your coverage online but still have the advice of a local agent.

Whichever way you use, compare apples-to-apples coverage limits and deductibles on every quote. If each company quotes unequal deductibles or liability limits you can’t possibly determine the lowest rate for your Saturn S-Series.

How much can you save with these ten discounts?

Properly insuring your vehicles can get expensive, but there are discounts available that you may not even be aware of. Some discounts apply automatically at the time of purchase, but a few must be asked about in order for you to get them. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Fewer Miles Equal More Savings – Fewer annual miles on your Saturn can qualify you for discounted rates on garaged vehicles.
  • Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
  • Life Insurance – Larger companies have better rates if you take out life insurance.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.
  • Multiple Cars – Having all your vehicles on the same car insurance policy can get a discount on all vehicles.
  • Anti-theft Discount – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Bundle and Save – When you combine your home and auto insurance with one insurance company you could get a discount of at least 10% off all policies.
  • Save over 55 – Mature drivers can possibly qualify for reduced rates for S-Series coverage.
  • Sign Online – A handful of insurance companies may give you up to $50 for buying a policy and signing up digitally online.
  • Military Discounts – Having a family member in the military may qualify for rate reductions.

Drivers should understand that many deductions do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates it’s possible to get free car insurance, it doesn’t quite work that way. But any discount will help reduce the amount you have to pay.

Insurance companies that may have these money-saving discounts are:

Before buying, ask all companies you are considering how you can save money. All car insurance discounts may not apply in every state.

How much car insurance do I need?

When it comes to buying coverage for your personal vehicles, there is no best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions may help you determine whether you might need an agent’s assistance.

  • Can I rent a car in Mexico?
  • Am I missing any policy discounts?
  • Do I have coverage when pulling a U-Haul trailer?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my policy cover me when driving someone else’s vehicle?
  • Are rock chip repairs covered?
  • Do all my vehicles need collision coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • What is UM/UIM insurance?

If you can’t answer these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverages explained

Knowing the specifics of a car insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverages found on most car insurance policies.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for bills for doctor visits, rehabilitation expenses and surgery. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Collision – Collision coverage will pay to fix damage to your S-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 protects against claims such as sideswiping another vehicle, sustaining damage from a pot hole, backing into a parked car, rolling your car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive (Other than Collision) – This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, theft, vandalism and hitting a deer. 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.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Saturn S-Series.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these coverages are similar to your liability insurance amounts.

Liability coverage – This coverage will cover damage or injury you incur to other’s property or people that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like legal defense fees, repair bills for other people’s vehicles, medical expenses and repair costs for stationary objects. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Compare but don’t skimp

We just presented quite a bit of information on how to get a better price on 1995 Saturn S-Series insurance. It’s most important to understand that the more rate quotes you have, the higher your chance of finding lower rates. You may even find the lowest rates come from a lesser-known regional company. Regional companies may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.

As you prepare to switch companies, it’s not a good idea to reduce coverage to reduce premium. In many cases, consumers will sacrifice uninsured motorist or liability limits only to regret at claim time they didn’t have enough coverage. The aim is to buy the best coverage you can find at the best price, not the least amount of coverage.

Affordable insurance is attainable both online and with local insurance agents, so compare prices from both in order to have the best chance of saving money. Some insurance companies do not offer online price quotes and most of the time these small, regional companies sell through independent agents.

Much more information about car insurance is located at the links below