Compare 2002 Saturn L-Series Insurance Cost

Searching for better insurance rates for your Saturn L-Series? Pricey Saturn L-Series insurance can draw down your checking account and force you to tighten up your finances. Many car insurance companies compete for your business, and because of this it can be hard to compare insurance companies and get the definite best rates possible.

If you have a policy now or are just looking to switch companies, you can use these techniques to shop for the lowest rates while maximizing coverage. Choosing the best insurance company for you is not that difficult. Vehicle owners just need to know the most effective way to buy auto insurance online.

How to buy car insurance

There are multiple methods to compare car insurance quotes, and some are easier and takes less work. You can spend countless hours driving to agents in your area, or you can utilize the web to get pricing more quickly.

Many of the larger companies enroll in a system where prospective buyers submit one quote, and each participating company can give them a price. This system prevents you from having to do form submissions for each company.

To access this free quoting program, click here (opens in new window).

The single downside to using this type of form is that consumers can’t choose which companies you will receive quotes from. If you would rather choose from a list of companies to compare prices, we have a page of low cost car insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but be sure you’re using the same coverage limits and deductibles with every price quote. If you compare different liability limits it will be very difficult to make a fair rate comparison.

Take policy discounts and save

Insurance coverage is not an enjoyable expense, but you might be missing out on some discounts that can drop the cost substantially. Some of these disounts will be visible when you purchase, but some discounts are required to be requested specifically prior to receiving the credit.

Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
Early Signing – Some insurance companies reward drivers for renewing your policy prior to your current policy expiration. It could save around 10% when you buy insurance online.
Paperwork-free – Many larger companies will give a small break for buying a policy and signing up over the internet.
Pay Now and Pay Less – If you can afford to pay the entire bill rather than paying monthly you could save up to 5%.
Federal Government Employee – Simply working for the federal government could cut as much as 10% off on L-Series coverage with a few insurance coverage companies.

One last thing about discounts, many deductions do not apply to the overall cost of the policy. Most only apply to individual premiums such as comprehensive or collision. Just because you may think all those discounts means the company will pay you, companies wouldn’t make money that way.

The best insurance coverage companies and a summarized list of policyholder discounts are outlined below.

State Farm policyholders can earn discounts including defensive driving training, safe vehicle, student away at school, Drive Safe & Save, good driver, and anti-theft.
Geico includes discounts for good student, multi-vehicle, five-year accident-free, air bags, federal employee, and defensive driver.
Allstate may offer discounts for utility vehicle, FullPay discount, economy car, farm vehicle, and anti-theft.
SAFECO may have discounts that include drive less, bundle discounts, teen safety rewards, multi-car, homeowner, and anti-theft.
Farm Bureau may include discounts for multi-vehicle, renewal discount, driver training, 55 and retired, and safe driver.
Progressive offers discounts including online quote discount, multi-policy, homeowner, online signing, multi-vehicle, and continuous coverage.
AAA offers discounts for good driver, good student, education and occupation, AAA membership discount, pay-in-full, multi-car, and multi-policy.

If you are trying to find affordable insurance quotes, ask every prospective company how many discounts you can get. Discounts may not apply to policyholders in every state.

Which policy gives me the best coverage?

When choosing adequate coverage, there really is not a “perfect” insurance plan. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that may help highlight if you might need an agent’s assistance.

Am I covered if I crash into my own garage door?
Is a new car covered when I drive it off the dealer lot?
What is the ISO rating for a 2002 Saturn L-Series?
Is my ex-spouse still covered by my policy?
Does coverage extend to a rental car in a foreign country?
Is other people’s property covered if stolen from my vehicle?
Is my cargo covered for damage or theft?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Insurance specifics

Knowing the specifics of your insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages found on the average insurance policy.

Comprehensive protection

This pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from a tornado or hurricane, rock chips in glass and theft. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage

This coverage covers damage to your L-Series caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like sustaining damage from a pot hole, crashing into a building, damaging your car on a curb and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or 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 reimburse you for short-term medical expenses for things like funeral costs, prosthetic devices, EMT expenses, X-ray expenses and chiropractic care. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability car insurance

This coverage can cover damages or injuries you inflict on other people or 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, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against things like legal defense fees, structural damage and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Uninsured or underinsured coverage

This coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Saturn L-Series.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.