2001 Saturn S-Series Car Insurance Quotes

Wish you could get out of high-priced auto insurance? Trust us, you’re not alone. With so many online and local companies to choose from, it’s nearly impossible to choose the best company.

It’s smart to get comparison quotes yearly because auto insurance prices are rarely the same from one policy term to another. Even if you think you had the lowest rates for S-Series coverage a few years ago you can probably find a better premium rate now. Forget all the misinformation about auto insurance because we’re going to show you one of the quickest ways to remove unneeded coverages and save money.

The best way to compare insurance rates in your area utilizes the fact most of the larger companies allow for online access to compare rate quotes. The one thing you need to do is take a few minutes to give details like if you went to college, if you lease or own, driver details, and level of coverage desired. Those rating factors is automatically sent to multiple top-rated companies and they respond with quotes quickly.

Discounts for affordable insurance quotes

Insurance is not inexpensive, but you may qualify for discounts that you may not even know about. Some discounts will apply when you get a quote, but once in a while a discount must be requested specifically prior to getting the savings.

  • Senior Citizens – Older drivers could receive lower premium rates for S-Series coverage.
  • Homeowners Savings – Just being a homeowner can save a few bucks due to the fact that maintaining a home demonstrates responsibility.
  • Multiple Policy Discount – When you combine your auto and homeowners insurance and place coverage with the same company they may give you a discount of at least 10% off all policies.
  • Drive Less and Save – Keeping the miles down on your Saturn may allow you to get slightly better insurancerates than normal.
  • E-sign – Some insurance companies will discount your bill up to fifty bucks for signing up digitally online.
  • One Accident Forgiven – but a few companies such as Allstate, State Farm and Geico permit an accident before your rates go up if you have no claims for a particular time prior to the accident.

Discounts lower rates, but most discount credits are not given to all coverage premiums. A few only apply to specific coverage prices like medical payments or collision. Just because you may think you would end up receiving a 100% discount, companies don’t profit that way.

A partial list of companies who might offer most of the discounts above may include but are not limited to:

If you need lower rates, check with each company which discounts you qualify for. Depending on the company, some discounts may not apply to policies in your area.

You may need specialized insurance coverage

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions might help in determining if you might need professional guidance.

  • Does insurance cover tools stolen from my truck?
  • Can I still get insurance after a DUI?
  • What happens if I owe more than my 2001 Saturn S-Series is worth?
  • Am I covered if I hit my neighbor’s mailbox?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I have any recourse if my insurance company denies a claim?
  • Does my car insurance cover rental cars?
  • Does my medical payments coverage pay my health insurance deductible?
  • Can my teen drive my company car?
  • If my 2001 Saturn S-Series is totaled, can I afford another vehicle?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It is quick, free and can help protect your family.

Eight tips to get more affordable insurance rates

A large part of saving on auto insurance is knowing the factors that help determine the level of your policy premiums. If you know what positively or negatively impacts your premiums, this enables informed choices that could result in lower premium levels. Many factors are part of the equation when quoting car insurance. Some factors are common sense such as traffic violations, but others are not as apparent such as your credit history or how safe your car is.

Shown below are some of the major factors used by insurance companies to determine premiums.

  • Bad drivers pay high rates – Your driving record impacts your car insurance rates tremendously. Good drivers pay lower auto insurance prices than bad drivers. Getting just one chargable violation can boost insurance rates twenty percent or more. People who have flagrant citations such as DUI, reckless driving or excessive speeding may be required to file a SR-22 with the DMV in their state in order to legally drive a vehicle.
  • Extra policy coverages that may not be needed – Insurance companies have many add-on coverages that you can buy on your auto insurance policy. Coverages for personal injury protection, better glass coverage, and extra life insurance coverage are examples of these. The coverages may be enticing when discussing your needs, but if you have no use for them eliminate the coverages to reduce your premium.
  • Women tend to take less risk – Statistics demonstrate that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. They both are in auto accidents at a similar rate, but guys tend to have higher claims. Men also statistically get more serious tickets such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 tend to get in the most accidents so it costs more to insure them.
  • How much liability protection – The liability section of your policy will provide protection if ever you are responsible for damages caused by your negligence. It will provide legal defense which can cost a lot. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so do not skimp.
  • Better credit means lower costs – Credit rating is a big factor in your rate calculation. Drivers who have good credit tend to be more responsible and file fewer claims than drivers with poor credit. If your credit is lower than you’d like, you could potentially save money when insuring your 2001 Saturn S-Series by repairing your credit.
  • Better prices on cars with good safety ratings – Cars with high safety ratings are cheaper to insure. Highly rated vehicles reduce injuries and lower rates of occupant injuries means your insurance company pays less which can result in lower premiums. If the Saturn S-Series is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
  • Premiums can change based on your address – Residing in a rural area is a good thing when it comes to auto insurance. People in densly populated areas tend to have more road rage incidents and a longer drive to work. Fewer drivers translates into fewer accident claims and lower theft and vandalism rates.
  • Older drivers pay less – Drivers with little experience are proven to be more careless behind the wheel therefore auto insurance rates are much higher. Older drivers have been proven to be more responsible, cause fewer claims and accidents and receive fewer citations.

Car insurance coverages explained

Knowing the specifics of car insurance aids in choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be confusing and reading a policy is terribly boring. Listed below are the usual coverages found on the average car insurance policy.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverage

Collision coverage will pay to fix damage to your S-Series from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as crashing into a ditch, crashing into a building and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for immediate expenses like prosthetic devices, funeral costs, nursing services and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Comprehensive car insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from a tornado or hurricane, damage from flooding, hitting a bird and theft. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability

Liability coverage will cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use 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 insurance covers things like repair bills for other people’s vehicles, attorney fees, pain and suffering, bail bonds and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Have the Midas touch

A few companies do not offer price quotes online and most of the time these smaller providers only sell through local independent agents. Lower-priced 2001 Saturn S-Series insurance is possible from both online companies and from local agencies, and you should compare price quotes from both in order to have the best chance of saving money.

We just showed you a lot of information how to shop for 2001 Saturn S-Series insurance online. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. Drivers may discover the biggest savings come from a small mutual company. Smaller companies can often provide lower car insurance rates in certain areas than the large multi-state companies such as Progressive and Geico.

When searching for low cost auto insurance quotes, it’s not a good idea to sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed liability coverage limits and learned later they didn’t have enough coverage. Your goal should be to buy the best coverage you can find at a price you can afford.

More tips and info about auto insurance is located in the articles below: