Consumers have a choice when looking for the best price on Saturn S-Series insurance. You can either spend your time driving around getting price quotes or use the internet to compare rates. There are more efficient ways to buy auto insurance so you’re going to learn the absolute fastest way to price shop coverage on a Saturn and find the lowest possible price from both online companies and local agents.
Cutting your auto insurance rates is surprisingly easy. Consumers just need to invest a few minutes to get quotes to see which company has cheaper car insurance quotes. You can get a good selection of rate quotes in just a few minutes using one of these methods.
Probably the best way to get the best comparison quotes is to use a rate comparison form click to view form in new window. This quick form keeps you from doing separate quotes for each company. In just a few minutes this one form gets you coverage quotes from several companies. Recommended for those who want to invest the least amount of time.
A more time consuming way to obtain and compare quotes online is spending the time to visit each company website and repeat the quote process. For example, we’ll assume you are doing a rate comparison from Liberty Mutual, Geico and Allstate. You would be required to spend time on each company’s site and enter your information, which can take a lot of time.
To view a list of companies in your area, click here.
The old school method to compare rates is to spend time driving to local insurance agencies. Buying insurance online reduces the need to sit down with an agent unless you require the extra assistance of a licensed agent. Although, it is possible comparison shop your insurance online but have a local agent actually write the policy.
You can choose any of those ways to find more affodable coverage, but make sure you use apples-to-apples quote data on every quote you get. If your comparisons have different deductibles it will be next to impossible to get a fair rate comparison.
When buying coverage, there really is not a cookie cutter policy. Everyone’s needs are different.
For instance, these questions might point out if your situation would benefit from an agent’s advice.
If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It is quick, free and you can get the answers you need.
Understanding the coverages of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement.
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.
Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.
Collision coverage protection
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 the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims like crashing into a building, sustaining damage from a pot hole and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.
Comprehensive coverage (or Other than Collision)
This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive insurance covers things such as hitting a bird, hitting a deer, a tree branch falling on your vehicle, hail damage and fire damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Liability car insurance
This protects you from damages or injuries you inflict on other’s property or people. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
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 50/100/50 that translate to 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 can pay for things such as medical expenses, loss of income, emergency aid, medical services and structural damage. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.
Insurance for medical payments
Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like funeral costs, prosthetic devices, pain medications, surgery and EMT expenses. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay