1993 Saturn S-Series Insurance Rates

Trying to find low-cost insurance for your Saturn S-Series can be difficult, but you can learn the following methods to make it easier. There are both good and bad ways to find auto insurance online and you need to know the quickest way to compare rates on a Saturn and find the lowest possible price either online or from local insurance agents.

Finding the best rates is quite easy. If you have a current insurance coverage policy or need new coverage, you can use this information to cut your premiums and still get good coverage. Drivers only need an understanding of how to compare prices online.

Buy insurance coverage online

Shopping for lower insurance coverage rates can take hours if you don’t know the fastest way to get free quotes. You could waste a few hours discussing policy coverages with agents in your area, or you could save time and use online quoting to get prices fast.

All the larger companies enroll in a system where prospective buyers submit one quote, and each participating company returns a competitive quote for coverage. This saves time by eliminating form submissions for each company.

To submit your quote information now, click here (opens in new window).

The one disadvantage to getting quotes like this is that consumers can’t choose the insurers to receive prices from. If you wish to select individual companies for rate comparison, we have a page of low cost insurance coverage companies in your area. Click here to view list.

Which method you use is up to you, but be sure to compare nearly identical coverage limits and deductibles for every quote you compare. If you have different coverage information it’s impossible to find the best deal for your Saturn S-Series.

Auto insurance savings promises

Consumers constantly see and hear ads that claim the cheapest prices by companies like State Farm and Allstate. All the ads seem to make the promise that drivers can save some big amount after switching your policy.

How does every company save you money? This is the way they can do it.

All the different companies quote the lowest rates for the right customer that earns them the most money. One example of this type of risk profile might be described as between the ages of 30 and 50, has a clean driving record, and has a high credit rating. A customer getting a price quote who meets those qualifications will get the preferred prices and have a good chance to save money with a new company.

Consumers who may not quite match those criteria will be charged higher premium rates and this results in the customer buying from a different company. If you pay attention, the ads say “drivers who switch” but not “all drivers who get quotes” will save that much if they switch. That’s the way companies can make those claims. This emphasizes why you really should get auto insurance quotes as often as possible. You cannot predict which company will have the lowest rate quotes.

How insurance providers calculate Saturn S-Series insurance rates

A large part of saving on insurance coverage is knowing the rating factors that come into play when calculating your policy premiums. When consumers understand what positively or negatively impacts your premiums, this enables you to make decisions that could help you find lower insurance coverage prices.

Listed below are a few of the things used by insurance companies to determine prices.

  • Discounts for auto and home policies – The majority of insurers allow a discount to policyholders who consolidate policies with them such as combining an auto and homeowners policy. Even if you qualify for this discount already, you may still want to check prices from other companies to verify if the discount is saving money.
  • Urban areas may pay more – Residing in less populated areas is a good thing when shopping for auto insurance. City drivers have to deal with more road rage incidents and much longer commute distances. Lower population means a lower chance of having an accident in addition to lower liability claims
  • Being married can lower premiums – Having a wife or husband can actually save you money on insurance coverage. Marriage translates into being more financially stable and statistics prove drivers who are married file infrequent claims.
  • Know your credit rating – An insured’s credit rating can be a huge factor in determining what you pay for insurance coverage. Insureds that have good credit tend to file fewer claims than drivers who have lower credit scores. If your credit score is low, you could save money insuring your 1993 Saturn S-Series by spending a little time repairing your credit.
  • Rental and towing coverage may not be needed – Insurance policies have a lot of extra bells and whistles you can purchase on your insurance coverage policy. Coverages for replacement cost coverage, towing coverage, and membership fees may be wasting your money. You may think they are a good idea when you first buy your policy, but if you have no use for them remove them from your policy.
  • Lower premiums for safer cars – Vehicles with good safety scores tend to have lower insurance rates. Vehicles built for safety reduce occupant injuries and lower injury rates translates into fewer and smaller insurance claims which can mean better rates for you. If your Saturn S-Series earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
  • Cautious drivers pay the best rates – Just one driving citation can bump up the cost by as much as twenty percent. Careful drivers pay lower auto insurance prices compared to bad drivers. Drivers who have gotten serious violations such as reckless driving or DUI may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to legally drive a vehicle.

You may qualify for discounts

Insurance can cost an arm and a leg, but you might be missing out on some discounts that can help lower your rates. Larger premium reductions will be automatically applied at quote time, but less common discounts must be asked about before you get the savings.

  • Telematics Data Discounts – Drivers who elect to allow their insurance company to look at their driving habits remotely like In-Drive from State Farm and Progressive’s Snapshot may see discounts if they have good driving habits.
  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • Multi-line Discount – Select insurance companies reward you with a discounted premium rate on car insurance if you buy auto and life insurance together.
  • Payment Method – By paying your entire bill at once as opposed to paying monthly you can actually save on your bill.
  • Federal Employees – Federal government employees may qualify for a discount when you quote auto insurance for S-Series insurance depending on your company.
  • Theft Deterent System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency so companies will give you a small discount.
  • Buy New and Save – Insuring a new car can cost up to 25% less because new vehicles are generally safer.
  • Passive Restraint Discount – Factory options such as air bags and/or automatic seat belt systems may qualify for discounts of up to 25% or more.
  • Distant College Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Defensive Driving Course – Completing a defensive driving course could save 5% or more depending on where you live.

Remember that most discounts do not apply to the entire policy premium. Most only cut individual premiums such as liability and collision coverage. Just because you may think all the discounts add up to a free policy, it just doesn’t work that way.

Popular car insurance companies and some of their more popular discounts can be read below.

  • State Farm offers discounts including driver’s education, safe vehicle, good driver, Drive Safe & Save, and good student.
  • Geico may offer discounts for good student, membership and employees, anti-theft, emergency military deployment, and seat belt use.
  • Progressive has savings for online signing, good student, online quote discount, homeowner, multi-policy, and multi-vehicle.
  • 21st Century offers discounts for air bags, teen driver, 55 and older, defensive driver, anti-lock brakes, and homeowners.
  • American Family discounts include good driver, early bird, accident-free, good student, and defensive driver.
  • The Hartford offers premium reductions for air bag, vehicle fuel type, bundle, good student, and anti-theft.
  • AAA policyholders can earn discounts including AAA membership discount, good student, anti-theft, good driver, pay-in-full, and multi-car.

When comparing rates, check with each company the best way to save money. A few discounts may not be offered in your area. If you would like to see a list of providers who offer online car insurance quotes, click here.

There’s no such thing as the perfect insurance coverage policy

When buying coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

Here are some questions about coverages that could help you determine if your situation could use an agent’s help.

  • Is a fancy paint job covered?
  • Why do I only qualify for high-risk insurance?
  • Am I covered when driving in Canada or Mexico?
  • Are my friends covered when driving my car?
  • Does coverage extend to a rental car in a foreign country?
  • Can I make deliveries for my home business?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered if I break a side mirror?
  • What is PIP insurance?
  • Is other people’s property covered if stolen from my vehicle?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, complete this form. It is quick, free and can help protect your family.

Insurance policy specifics

Understanding the coverages of your 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 coverage can change by endorsement.

Coverage for liability – This protects you from damages or injuries you inflict on a person or their property. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for claims such as bail bonds, repair costs for stationary objects and emergency aid. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Collision – This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as backing into a parked car, driving through your garage door and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive coverages – This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like rock chips in glass, hitting a bird, falling objects, damage from a tornado or hurricane and a broken windshield. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for bills for things like nursing services, prosthetic devices, EMT expenses, funeral costs and doctor visits. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your Saturn S-Series.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

In conclusion

When getting auto insurance quotes online, never skimp on coverage in order to save money. In many cases, consumers will sacrifice full coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage for the lowest cost and still be able to protect your assets.

Some insurance companies don’t offer online price quotes and many times these regional carriers sell through local independent agents. Budget-conscious 1993 Saturn S-Series insurance can be sourced on the web in addition to many insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from.

Insureds who switch companies do it for a variety of reasons including policy non-renewal, lack of trust in their agent, unfair underwriting practices or even delays in paying claims. Regardless of your reason for switching companies, choosing a new insurance company is not as difficult as it may seem.

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