1999 Saturn S-Series Car Insurance Cost – 7 Ways to Save

Searching for better auto insurance rates? Consumers have many options when looking for affordable Saturn S-Series insurance. You can either spend your time calling around to compare prices or utilize the internet to get rate quotes. There is a better way to shop for auto insurance so you’re going to learn the proper way to get price quotes for a Saturn and obtain the lowest possible price from local insurance agents and online providers.

Insurance Coverage Prices

Finding a better price on insurance coverage is actually quite simple. You just need to take the time comparing price quotes online from several insurance companies. This is very easy and can be done in several different ways.

The recommended way consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This method prevents you from having to do separate quote forms to each individual insurance coverage company. Filling out one form gets rate comparisons from several companies. This is perfect if you don’t have a lot of time.

A more difficult way to compare rate quotes is to manually visit the website of each company and complete a new quote form. For examples sake, let’s assume you want to compare Allstate, Safeco and Progressive. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, which is why most consumers use the first method.

For a list of links to insurance companies in your area, click here.

The hardest method of getting rate comparisons is driving around to insurance agents’ offices. The ability to buy insurance online can eliminate the need for a local agent unless you have a need for the personal advice that only a license agent can provide. It is possible to compare online quotes and get advice from an agent in your area and you’ll learn how to do that later.

Whichever method you choose, double check that you are using the exact same coverages and limits with each company. If you enter different values for each quote it’s not possible to make an equal comparison.

Don’t miss these seven discounts

Companies that sell car insurance don’t always advertise all available discounts in a way that’s easy to find, so the following is a list of some of the more common as well as the least known discounts you could be receiving. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Payment Method – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
  • Homeowners Pay Less – Owning a home can save you money because owning a home is proof that your finances are in order.
  • Low Mileage – Fewer annual miles on your Saturn could qualify for discounted rates on garaged vehicles.
  • Sign Early and Save – Some insurance companies reward drivers for switching to them prior to your current policy expiring. It can save you around 10%.
  • Braking Control Discount – Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Memberships – Being a member of a civic or occupational organization could trigger savings on your policy for S-Series coverage.
  • Resident Student – Children living away from home attending college and don’t have a car can be insured at a reduced rate.

Keep in mind that most discount credits are not given to all coverage premiums. Most only reduce specific coverage prices like collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, auto insurance companies aren’t that generous.

To see a list of insurance companies with the best auto insurance discounts, follow this link.

When might I need help?

When choosing coverage, there isn’t really a perfect coverage plan. Each situation is unique.

For instance, these questions can help discover whether you may require specific advice.

  • I have health insurance so do I need medical payments coverage?
  • Does coverage extend to my business vehicle?
  • Do I pay less for low miles?
  • Does coverage extend to Mexico or Canada?
  • At what point should I drop full coverage?
  • Am I covered if hit by an uninsured driver?
  • What companies insure drivers after a DUI or DWI?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, complete this form. It is quick, free and can help protect your family.

Insurance coverage breakdown

Understanding the coverages of your insurance policy aids in choosing the best coverages for your vehicles. Insurance terms can be impossible to understand and reading a policy is terribly boring.

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

Comprehensive insurance covers things like fire damage, damage from a tornado or hurricane, rock chips in glass, hail damage and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Saturn S-Series.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability coverage – Liability coverage will cover damage or injury you incur to other’s property or people by causing an accident. It protects you against other people’s claims. 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 commonly see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims like medical expenses, legal defense fees, repair bills for other people’s vehicles and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for X-ray expenses, hospital visits and funeral costs. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision coverage – This covers damage to your S-Series resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like sideswiping another vehicle, rolling your car, hitting a parking meter and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Quote often and quote early

We’ve covered many ideas to shop for 1999 Saturn S-Series insurance online. The key concept to understand is the more times you quote, the better your comparison will be. Consumers could even find that the best price on insurance coverage is with a lesser-known regional company.

Consumers who switch companies do it for a number of reasons such as lack of trust in their agent, delays in paying claims, not issuing a premium refund or questionable increases in premium. Regardless of your reason for switching companies, finding the right insurance coverage provider is less work than it seems.

When shopping online for insurance coverage, don’t be tempted to buy poor coverage just to save money. In too many instances, someone sacrificed comprehensive coverage or liability limits and found out when filing a claim they didn’t purchase enough coverage. The proper strategy is to buy the best coverage you can find at the best price while still protecting your assets.

More tips and info about insurance coverage can be found at these sites: