Trying to come up with a payment for overpriced auto insurance can take a big chunk out of your budget and put the squeeze on your family’s finances. Comparing price quotes is an excellent way to cut your insurance bill.
Big-name insurance companies like Geico, 21st Century and Progressive all claim big savings, bombarding you with catchy ads and it is difficult to see through the deception and effectively compare rates to find the best deal.
You should take the time to take a look at other company’s rates quite often because auto insurance rates are rarely the same from one policy term to another. Just because you had the best deal for S-Series coverage at your last renewal you can probably find a better price now. There is too much inaccurate information about auto insurance out there, but I’m going to show you some solid techniques on how to put money back in your pocket.
If you have insurance now or are shopping for new coverage, you can learn to find the best rates and still get good coverage. Finding the best rates is quite easy. Vehicle owners just need to understand the proper way to compare price quotes online.
Companies don’t list their entire list of discounts very well, so the below list has a few of the more well known and the more hidden credits available to lower your premiums when you buy insurance coverage online.
One thing to note about discounts is that some credits don’t apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as liability and collision coverage. Despite the fact that it seems like it’s possible to get free car insurance, it doesn’t quite work that way.
For a list of auto insurance companies that have a full spectrum of discounts, follow this link.
Consumers constantly see and hear ads that claim the lowest premium rates by companies like State Farm and Allstate. All the companies say the same thing of big savings after switching your auto insurance policy to them.
How does every company claim to save you money? You have to listen carefully.
Many companies quote the lowest rates for the type of driver that will most likely be profitable. An example of a profitable insured should be a married male, has a clear driving record, and drives a safe vehicle. A customer who matches that profile gets the lowest premium rates and will most likely save quite a bit of money when switching.
Potential insureds who fall short of those criteria will see a higher rate which translates to the customer buying from someone else. The trick is to say “customers who switch” not “everybody who quotes” save money. That’s why companies can advertise the savings.
This illustrates why you should get price quotes at each policy renewal. It’s not possible to predict with any certainty which company will provide the lowest rates.
When it comes to buying coverage, there is no one size fits all plan. Each situation is unique so this has to be addressed. Here are some questions about coverages that can help discover whether you will benefit from professional help.
If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.
Knowing the specifics of car insurance can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverage types found on most car insurance policies.
Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like hitting a deer, falling objects, a tree branch falling on your vehicle and hitting a bird. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.
Liability coverage protects you from damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.
Liability coverage pays for things like repair costs for stationary objects, pain and suffering and medical expenses. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.
Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Saturn S-Series.
Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as pain medications, surgery and hospital visits. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay
This pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies then your collision coverage will kick in.
Collision coverage pays for claims such as crashing into a building, crashing into a ditch, colliding with a tree, scraping a guard rail and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.
In this article, we presented some good ideas how you can save on 2000 Saturn S-Series insurance. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the lowest prices come from a company that doesn’t do a lot of advertising. These smaller insurers often have lower rates on specific markets as compared to the big name companies such as State Farm, Geico and Nationwide.
Some insurance companies do not provide internet price quotes regional insurance providers work with independent agents. Cost effective 2000 Saturn S-Series insurance can be bought both online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from.
Additional insurance information can be read on the following sites: