Lower Your 1998 Saturn S-Series Insurance Rates

Searching for cheaper auto insurance rates for your Saturn S-Series? Locating cheaper insurance for a Saturn S-Series can normally be a lot of work, but you can learn these tips and make it easy. There are both good and bad ways to shop for auto insurance so you’re going to learn the best way to quote coverages for a Saturn and get the lowest price either online or from local insurance agents.

Finding affordable coverage is easy if you know what you’re doing. If you have insurance now or need a new policy, you can use these tips to find the best rates while maintaining coverages. Drivers just need to understand the proper way to compare company rates on the web.

Shop car insurance online

Finding cheap 1998 Saturn S-Series car insurance rates is a great way to save money. All you need to do is spend a few minutes on the computer to compare free insurance coverage quotes to discover which company has low cost insurance coverage quotes. You can get a good selection of rate quotes using a couple different methods.

The most efficient method consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This form prevents you from having to do a different quote for each company. One form will return quotes from car insurance companies with the best prices. Recommended for those who want to invest the least amount of time.
A less efficient way to shop for car insurance online requires you to visit each company’s website and request a quote. For examples sake, let’s assume you want to view quotes from Nationwide, State Farm and GMAC. To get rate quotes you would need to go to every website and repeatedly type in your coverage information, which explains why we recommend starting with the first method.
For a list of links to companies insuring cars in your area, click here.

However you get your quotes, be sure to compare identical coverage data on every quote. If you are comparing higher or lower deductibles then you won’t be able to truly determine the lowest rate.

Get cheaper insurance coverage rates with discounts

Companies offering auto insurance don’t list all their discounts very clearly, so here is a list both well-publicized in addition to some of the lesser obvious credits available to bring down your rates. If they aren’t giving you every credit possible, you are just wasting money.

Theft Deterent Discount – Vehicles equipped with tracking devices and advanced anti-theft systems can help prevent theft and that can save you a little bit as well.
Memberships – Participating in a civic or occupational organization can get you a small discount on your bill.
Anti-lock Brake Discount – Cars that have anti-lock braking systems are safer to drive so you can save 10 percent or more.
Seat Belts Save more than Lives – Drivers who require all vehicle occupants to fasten their seat belts may be able to save a few bucks off the medical payments premium.
Buy New and Save – Putting coverage on a new car can get you a discount since new model year vehicles have better safety ratings.

Remember that some of the credits will not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as comp or med pay. So when it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

Larger insurance coverage companies and a summarized list of policyholder discounts are shown below.

State Farm has savings for good driver, anti-theft, driver’s education, good student, and student away at school.
Liberty Mutual may have discounts that include new vehicle discount, new graduate, multi-policy, preferred payment discount, teen driver discount, newly married, and safety features.
American Family offers discounts for multi-vehicle, air bags, bundled insurance, defensive driver, Steer into Savings, and accident-free.
Progressive may include discounts for multi-policy, online quote discount, good student, homeowner, online signing, and continuous coverage.
Farmers Insurance offers premium reductions for youthful driver, alternative fuel, business and professional, teen driver, pay in full, and switch companies.
Auto-Owners Insurance policyholders can earn discounts including paperless, air bags, company car, good student, and student away at school.
SAFECO offers discounts including anti-lock brakes, teen safety rewards, teen safe driver, bundle discounts, drive less, multi-car, and anti-theft.

Before buying, ask every company which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered in every state. If you would like to view insurance coverage companies with the best insurance coverage discounts, click here to view.

Tailor your car insurance coverage to you

When it comes to choosing adequate coverage, there really is not a perfect coverage plan. Everyone’s needs are different.

Here are some questions about coverages that may help highlight if you would benefit from professional advice.

What is an SR-22 filing?
How much underlying liability do I need for an umbrella policy?
What is the rate difference between pleasure use and commuting?
Does my policy pay for OEM or aftermarket parts?
What if I total my 1998 Saturn S-Series and owe more than it’s worth?
When should I buy a commercial auto policy?
When can I cancel my policy?
Why am I required to get a high-risk car insurance policy?
Does my 1998 Saturn S-Series need full coverage?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.

Information about specific coverages

Having a good grasp of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy.

Collision coverage

Collision insurance will pay to fix damage to your S-Series caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like sustaining damage from a pot hole, sideswiping another vehicle, scraping a guard rail, backing into a parked car and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Auto liability

Liability insurance provides protection from damages or injuries you inflict on people or other property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like court costs, bail bonds, medical expenses and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive or Other Than Collision

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, fire damage, falling objects and a broken windshield. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as prosthetic devices, surgery, dental work, chiropractic care and funeral costs. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s 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. So UM/UIM coverage is very important.