How Much Does 1991 Saturn S-Series Insurance Cost?

If shopping for insurance coverage quotes online is new to you, you can easily be overwhelmed thanks to all the different types of companies all claiming to have the lowest rates.

If you have car insurance now, you should be able to save some money using these tips. The purpose of this post is to help you learn how car insurance quotes work and some money-saving tips. But car owners must learn the way insurance companies sell online and take advantage of how the system works.

How to lower your insurance cost

When shopping for affordable insurance coverage quotes, there are a couple of ways to compare rate quotes from all the different companies. The fastest way to find cheaper 1991 Saturn S-Series rates involves getting comparison quotes online. This is quite simple and can be completed in several different ways.

  • The easiest and least time consuming way to find low rates is a comparison rater form (click to open form in new window). This quick form saves time by eliminating multiple quote forms for every prospective company. Just one form will return price quotes from multiple low-cost companies. It’s the fastest way to compare.
  • A more difficult way to analyze rates is to manually visit the website for each individual company and get a separate price quote. For example, we’ll assume you want comparison quotes from State Farm, Esurance and Liberty Mutual. In order to compare rates, you need to spend time on each company’s site to enter the same coverage data repeatedly, which is why the first method is more popular.

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

Whichever way you use, make sure you compare apples-to-apples coverages and limits for every quote you compare. If your comparisons have different data you will not be able to make a fair comparison for your Saturn S-Series. Quoting even small variations in insurance coverages could skew the results. Keep in mind that comparing more rates from different companies helps you find the best offered rates. Some smaller insurers to not give quotes online, so it’s necessary to compare price quotes from those companies as well.

Eight tips to get more affordable insurance costs

An important part of buying insurance is that you know the factors that play a part in calculating your insurance rates. When you know what positively or negatively influences your rates, this allows you to make good choices that could help you find better insurance rates.

The items below are some of the factors used by your company to calculate prices.

  • Extra policy coverages you don’t use – There are many add-on coverages that can waste your money on your insurance policy. Coverages for rental car reimbursement, better glass coverage, and extra equipment coverage are some examples. They may sound like good ideas when discussing your needs, but now you might not need them so think about removing them and cutting costs.
  • City dwellers may pay more – Residing in a rural area has it’s advantages when shopping for auto insurance. Urban drivers have more traffic problems and higher rates of accident claims. Fewer drivers means reduced accidents and also fewer theft and vandalism claims.
  • Obey driving laws and save – Having a clean driving record has a lot to do with how much you pay for insurance. Even one chargable violation could increase your next policy renewal forty percent or more. Careful drivers pay less for auto insurance as compared to careless drivers. Drivers unfortunate enough to have dangerous violations like hit and run, DWI or reckless driving convictions might be required by their state to submit a SR-22 form with their state motor vehicle department in order to prevent a license revocation.
  • Liability protection safeguards assets – Your insurance policy’s liability coverage is the coverage that protects you if ever you are found liable for an accident. Liability provides legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable when compared with rates for comp and collision, so buy as much as you can afford.
  • Excellent credit scores equal low rates – Having a bad credit score factor in determining what you pay. If your credit score is lower than you’d like, you could be paying less to insure your 1991 Saturn S-Series by repairing your credit. Drivers who have very good credit scores tend to be more responsible than drivers with lower credit ratings.
  • Gender and car insurance rates – Statistics show women tend to be less risk to insure than men. This data doesn’t prove that females are better drivers. Men and women cause at-fault accidents in similar percentages, but the men get into accidents with more damage. Men also statistically receive more major tickets like reckless driving and DUI.
  • Safer occupants lowers prices – Safer cars tend to be cheaper to insure. Vehicles engineered for safety reduce occupant injuries and lower rates of occupant injuries translates into fewer and smaller insurance claims passed on to you as lower rates.
  • Insurance rates and vocation – Did you know that where you work can have an impact on rates? Occupations such as real estate brokers, social workers and emergency personnel generally have higher average rates due to high stress and lots of time spent away from family. On the flip side, careers like scientists, athletes and the unemployed generally pay rates lower than average for S-Series insurance.

Get cheap car insurance with discounts

Car insurance can cost a lot, but you might be missing out on some discounts that can dramatically reduce your bill. Some discounts will apply at the time of quoting, but a few must be asked about before you will receive the discount.

  • Good Student – This discount can save 20 to 25%. Most companies allow this discount up to age 25.
  • Accident Forgiveness – Not really a discount, but some companies like Libery Mutual, Geico and Allstate will forgive one accident without raising rates if you are claim-free prior to the accident.
  • Multi-line Discount – If the company offers life insurance, you could get a discount if you purchase some life insurance too.
  • Early Signing – Select larger companies give a discount for signing up prior to your current policy expiration. You could save around 10% when you buy insurance coverage online.
  • Fewer Miles Equal More Savings – Maintaining low annual mileage may allow you to get cheaper prices.
  • Air Bag Discount – Factory air bags may earn rate discounts up to 30%.

You should keep in mind that some of the credits will not apply the the whole policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, car insurance companies aren’t that generous.

Companies that may include some of the above discounts are:

It’s a good idea to ask all companies you are considering to apply every possible discount. Some credits might not be offered everywhere. To locate insurers that provide some of the discounts listed above, click this link.

Tailor your insurance coverage coverage to you

When it comes to choosing the right insurance coverage, there isn’t really a cookie cutter policy. Every situation is different.

For instance, these questions might point out whether you would benefit from an agent’s advice.

  • Is my Saturn S-Series covered if I use it for business?
  • Is motorclub coverage worth it?
  • Do all my vehicles need collision coverage?
  • When does my teenage driver need to be added to my policy?
  • When would I need additional glass coverage?
  • Am I covered when delivering products for my home-based business?
  • Can I still get insurance after a DUI?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form.

Auto insurance coverages 101

Learning about specific coverages of auto insurance aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Coverage for collisions

Collision insurance pays for damage to your S-Series resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as driving through your garage door, hitting a parking meter, backing into a parked car, sustaining damage from a pot hole and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for expenses like funeral costs, doctor visits, EMT expenses and X-ray expenses. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability car insurance

This provides protection from damage that occurs to other people or property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

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 policy limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims such as pain and suffering, court costs and medical expenses. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Comprehensive (Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as theft, damage from a tornado or hurricane, falling objects and rock chips in glass. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Saturn S-Series.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

What is YOUR best insurance company?

Budget-friendly insurance is available on the web as well as from insurance agents, so you need to shop insurance coverage with both so you have a total pricing picture. Some companies don’t offer rate quotes online and many times these regional insurance providers provide coverage only through local independent agencies.

Consumers switch companies for any number of reasons including delays in paying claims, policy cancellation, unfair underwriting practices or poor customer service. It doesn’t matter why you want to switch choosing a new insurance company is pretty simple and you could end up saving a buck or two.

We’ve covered many tips how you can lower your 1991 Saturn S-Series insurance car insurance rates. The key thing to remember is the more you quote insurance coverage, the better chance you’ll have of finding the cheapest insurance coverage. Consumers could even find that the lowest priced insurance comes from a company that doesn’t do a lot of advertising.

Additional detailed information is available at these sites: