1996 Saturn S-Series Car Insurance Quotes – 6 Policy Discounts

Finding lower premiums on auto insurance can seem to be a challenge for beginners to shopping for insurance online. Consumers have so many choices that it can turn into a big hassle to find lower rates.

If you have car insurance now, you will be able to lower your premiums substantially using this information. Locating affordable coverage is not that difficult. But drivers can benefit by having an understanding of the methods companies use to market on the web.

Finding Auto Insurance

All the larger auto insurance companies like State Farm, GEICO and Progressive give prices for coverage directly from their websites. Getting online quotes is quite simple as you simply type in the amount of coverage you want into the quote form. When the form is submitted, the company’s rating system orders your credit score and driving record and quotes a price.

This helps simplify price comparisons, but the time required to go to several different sites and type in the same information can be a bit tiresome and repetitive. But it’s very important to do this if you are searching for the lowest price.

There is a better way!

A more efficient way to locate the lowest prices utilizes a single form that obtains quotes from multiple companies. The form is fast, eliminates form submissions, and makes price shopping online much more enjoyable and efficient. Immediately after submitting the form, it gets priced and you can select any one of the resulting price quotes.

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 may save quite a bit of money.

To find out if lower rates are available, click here to open in new window and input your coverage information. To compare your current rates, we recommend you duplicate the coverages exactly as shown on your declarations page. This ensures you will get a fair comparison for similar coverage.

These six discounts can slash car insurance rates

Insuring your vehicles can cost a lot, buy you may qualify for discounts to cut the cost considerably. Some discounts apply automatically at the time of quoting, but a few must be inquired about prior to receiving the credit.

  • Auto/Life Discount – Some companies give a discount if you purchase auto and life insurance together.
  • Bundle and Save – If you have multiple policies with one company you will save approximately 10% to 15%.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy may reduce the rate for each vehicle.
  • Paperwork-free – Certain companies will discount your bill up to fifty bucks just for signing your application online.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.
  • Homeowners Discount – Simply owning a home may earn you a small savings because maintaining a house is proof that your finances are in order.

It’s important to understand that many deductions do not apply the the whole policy. Some only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like it’s possible to get free car insurance, it just doesn’t work that way. Any amount of discount will reduce your overall premium however.

For a list of providers with discount car insurance rates, follow this link.

When might I need the advice of an agent?

When it comes to choosing the best insurance coverage coverage, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s.

For instance, these questions may help highlight whether your personal situation may require specific advice.

  • Are there companies who specialize in insuring high-risk drivers?
  • Do I have newly-aquired coverage?
  • Is business equipment covered while in my vehicle?
  • Is my custom paint covered by insurance?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does coverage extend to my business vehicle?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • If my pet gets injured in an accident are they covered?
  • What are the best liability limits?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Car insurance policy specifics

Learning about specific coverages of your policy aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for bills like X-ray expenses, rehabilitation expenses and ambulance fees. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive auto coverage – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as theft, a tree branch falling on your vehicle, vandalism and damage from flooding. The highest amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverages – This coverage provides protection from damage that occurs to a person or their property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like emergency aid, medical expenses and structural damage. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Collision – This coverage pays for damage to your S-Series from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as colliding with a tree, sustaining damage from a pot hole, crashing into a ditch, backing into a parked car and rolling your car. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

In Summary

Cheaper 1996 Saturn S-Series insurance is definitely available both online and also from your neighborhood agents, so compare prices from both in order to have the best chance of saving money. Some insurance companies may not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

As you shop your coverage around, never reduce needed coverages to save money. In too many instances, someone sacrificed comprehensive coverage or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. The proper strategy is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

Consumers leave their current company for a variety of reasons including denial of a claim, extreme rates for teen drivers, not issuing a premium refund and even questionable increases in premium. Regardless of your reason for switching companies, switching insurance companies is pretty simple and you could end up saving a buck or two.

More detailed insurance information is located by following these links: