1999 Saturn S-Series Car Insurance Cost – 10 Tips for Best Prices

Consumers have lots of choices when looking for low-cost Saturn S-Series insurance. They can either waste time driving around trying to get quotes or save time using the internet to get rate quotes.

There are more efficient ways to find insurance online so you’re going to learn the absolute fastest way to get price quotes for a Saturn and locate the best price possible from both online companies and local agents.

Car insurance policy discounts you can’t miss

Companies don’t always publicize every disount available in an easy-to-find place, so below is a list a few of the more common as well as some of the hidden credits available to bring down your rates.

  • Full Payment Discount – By paying your policy upfront rather than paying in monthly installments you may reduce your total bill.
  • Paperless Signup – Some insurance companies will give you a small discount for signing up on the internet.
  • Early Renewal Discounts – A few larger companies give discounts for renewing your policy prior to your current policy expiration. This can save 10% or more.
  • One Accident Forgiven – Not necessarily a discount, but certain companies will let one accident slide without the usual rate increase if you are claim-free for a certain period of time.
  • Distant College Student Discount – who live away from home at college and do not have a car could get you a discount.
  • Discounts for New Vehicles – Buying a new car model may earn a small discount since newer vehicles have better safety ratings.
  • Discount for Passive Restraints – Vehicles equipped with air bags can qualify for discounts of 20% or more.
  • Student Discount for Driver Training – It’s a good idea to have your young drivers complete a driver education course as it will make them better drivers and lower rates.
  • Theft Deterent System – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and will qualify for a discount on a insurance coverage quote.
  • Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle up before driving could save 15% on the medical payments or PIP coverage costs.

You can save money using discounts, but some credits don’t apply to the entire cost. Most cut the cost of specific coverages such as liability and collision coverage. Just because it seems like you can get free auto insurance, car insurance companies aren’t that generous.

For a list of insurance companies with discount rates, click here to view.

How to compare insurance quotes

There are a lot of ways you can shop for insurance but some are less labor-intensive and much quicker. You can waste a few hours (or days) driving to insurance agencies in your area, or you could save time and use the internet to get the quickest rates.

Most of the larger companies enroll in a system that allows shoppers to enter their coverage request one time, and each company provides a quote. This saves time by eliminating quote requests to each company.

To compare pricing click to open in new window.

One minor caviat to using this type of form is you don’t know exactly the providers to get pricing from. If you wish to select from a list of companies to receive pricing from, we put together a list of low cost insurance companies in your area. View list of insurance companies.

However you get your quotes, make absolute certain that you use the same quote information on every quote. If you are comparing unequal deductibles or liability limits it will be very difficult to decipher which rate is best.

Insurance agents can help

When buying adequate coverage for your personal vehicles, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining whether your personal situation might need an agent’s assistance.

  • When should I not file a claim?
  • Can I make deliveries for my home business?
  • Is motorclub coverage worth it?
  • How can I find cheaper teen driver insurance?
  • Does my insurance cover a custom paint job?
  • Do I really need UM/UIM coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form. It is quick, free and can provide invaluable advice.

Save $396 a year? Really?

Drivers constantly see and hear ads for the lowest price car insurance by State Farm and Allstate. All the companies have a common claim about savings after switching to them.

How is it plausible that every one can claim to save you money?

Car insurance companies give the cheapest rates for the type of driver that earns them the highest profit. One example of a profitable insured may need to be a married female, has a clean driving record, and has excellent credit. Any person that hits that “sweet spot” will get a cheap rate quote and most likely will save a lot of money.

Consumers who may not quite match this ideal profile will be charged a more expensive rate and business not being written. The ad wording is “people who switch” but not “all drivers who get quotes” will save that much if they switch. That’s the way companies can state the savings.

This really drives home the point why it is so important to get price quotes at each policy renewal. It’s not possible to predict with any certainty which company will give you lower prices than your current company.

Auto insurance coverages

Understanding the coverages of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Comprehensive protection

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hail damage, theft, fire damage and damage from flooding. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage

This covers damage to your S-Series from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like rolling your car, colliding with a tree and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for prosthetic devices, rehabilitation expenses and surgery. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverages

Liability insurance can cover injuries or damage you cause to people or other property. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as emergency aid, medical services, pain and suffering, court costs and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Saturn S-Series.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Do the work, save more money

Cost effective 1999 Saturn S-Series insurance is attainable both online in addition to local insurance agencies, and you should compare rates from both to have the best rate selection. Some insurance companies may not provide online price quotes and these regional carriers only sell coverage through local independent agencies.

As you prepare to switch companies, do not buy less coverage just to save a little money. Too many times, an insured cut comprehensive coverage or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy the best coverage you can find for the lowest price and still be able to protect your assets.

People change insurance companies for a number of reasons such as being labeled a high risk driver, denial of a claim, questionable increases in premium or even policy cancellation. It doesn’t matter why you want to switch finding a great new company is pretty easy and you might even save some money in the process.

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