1997 Saturn S-Series Insurance Rates

Looking for better insurance coverage rates for your Saturn S-Series? Finding better insurance prices for a Saturn S-Series can be a lot of work, but you can learn these tips and make it easy.

There are more efficient ways to shop for insurance coverage and we’ll show you the best way to get price quotes for a Saturn and obtain the cheapest rates from both online companies and local agents.

If you are insured now or are shopping for new coverage, you can use this information to find the best rates and still get good coverage. Buying more affordable car insurance coverage can be fairly easy. Vehicle owners just need to understand the proper way to compare company rates online.

The best way we recommend to compare rates is to know the fact car insurance companies provide online access to quote your coverage. The only thing you need to do is provide details like what you do for a living, if it has an anti-theft system, whether you drive to work or school, and an estimate of your credit level. Your details is automatically sent to multiple insurance coverage providers and you should receive rate quotes instantly to find the best rate.

To compare multiple company rates now, click here and find out if lower rates are available.

Discounts can save BIG

Insuring your vehicles can cost a lot, but discounts can save money and there are some available to help offset the cost. A few discounts will automatically apply when you complete an application, but a few need to be specially asked for prior to receiving the credit. If you’re not getting every credit you deserve, you are paying more than you should be.

  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy can get a discount on all vehicles.
  • Employee of Federal Government – Employees or retirees of the government may qualify you for a discount on S-Series insurance with certain companies.
  • Auto/Home Discount – When you combine your home and auto insurance with the same company you could get a discount of at least 10% off all policies.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
  • Paperless Signup – A handful of insurance companies give back up to $50 for buying your policy online.
  • Early Switch Discount – Some insurance companies reward drivers for switching policies prior to your current policy expiring. It’s a savings of about 10%.
  • Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less on S-Series insurance than less cautious drivers.

Drivers should understand that some credits don’t apply to all coverage premiums. Most only apply to the price of certain insurance coverages like medical payments or collision. Just because it seems like you could get a free insurance policy, you won’t be that lucky. But any discount will cut the amount you have to pay.

For a list of providers with discount insurance rates, click here to view.

Will just any policy work for me?

When buying adequate coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is a little different.

For example, these questions might help in determining whether you would benefit from an agent’s advice.

  • What are the best liability limits?
  • Am I covered if my car is in a flood?
  • How high should deductibles be on a 1997 Saturn S-Series?
  • Will my rates increase for filing one claim?
  • When should my teen driver be added to my policy?
  • When should I buy a commercial auto policy?
  • Will I lose any money if I cancel my policy before it expires?
  • How can I force my company to pay a claim?
  • Why do I only qualify for high-risk insurance?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can help protect your family.

Auto insurance coverage information

Understanding the coverages of your insurance policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Comprehensive coverages

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like fire damage, vandalism and falling objects. The most a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability insurance

This protects you from injuries or damage you cause to people or other property by causing an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as attorney fees, loss of income, medical services and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like doctor visits, dental work, nursing services, ambulance fees and chiropractic care. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Collision protection

Collision insurance covers damage to your S-Series resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as scraping a guard rail, driving through your garage door, rolling your car and hitting a parking meter. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since 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. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.