How Much Does 2007 Saturn Aura Insurance Cost?

Looking for better insurance rates for your Saturn Aura? Searching for lower priced insurance over the internet might seem somewhat difficult for beginners to comparing prices online. With such a large number of agents and insurance companies available, how can people possibly compare the different rates to find the lowest price available?

You need to get comparison quotes as often as possible because insurance prices are variable and change quite frequently. Despite the fact that you may have had the best price for Aura coverage two years ago a different company probably has better rates today. Ignore everything you know about insurance because I’m going to let you in on the secrets to the right way to properly buy coverages while reducing your premium.

If you currently have car insurance, you will most likely be able to lower your premiums substantially using this strategy. Pricing affordable insurance coverage is easy if you know what you’re doing. But vehicle owners need to have an understanding of how big insurance companies determine prices because it can help you find the best coverage.

Auto insurance quotes and discounts

Some insurance providers don’t always publicize every discount in a way that’s easy to find, so the below list has some of the best known and the harder-to-find auto insurance savings.

  • Smart Student Discounts – Excelling in school can earn a discount of 20% or more. Many companies even apply the discount to college students up to age 25.
  • Anti-lock Brake System – Vehicles that have steering control and anti-lock brakes are much safer to drive and therefore earn up to a 10% discount.
  • Student Discount for Driver Training – Have your child successfully complete driver’s ed class as it can save substantially.
  • Discounts for Federal Employees – Employees or retirees of the government can save as much as 8% for Aura coverage with select insurance companies.
  • No Accidents – Drivers who don’t have accidents get the best auto insurance rates as compared to bad drivers.
  • Drive Safe and Save – Insureds without accidents may save up to 50% more for Aura coverage than drivers with accidents.
  • Defensive Driving Course – Completing a course in defensive driving is a good idea and can lower rates depending on where you live.
  • Homeowners Pay Less – Owning a home may trigger a policy discount on auto insurance due to the fact that maintaining a home requires personal responsibility.
  • Theft Prevention System – Vehicles with anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.

Remember that most discounts do not apply to the entire policy premium. Most only apply to specific coverage prices like medical payments or collision. Even though it appears having all the discounts means you get insurance for free, you aren’t that lucky.

The best auto insurance companies and their possible discounts are included below.

  • Geico may offer discounts for multi-policy, air bags, daytime running lights, defensive driver, multi-vehicle, and federal employee.
  • Travelers includes discounts for multi-car, hybrid/electric vehicle, multi-policy, home ownership, and student away at school.
  • Farm Bureau offers discounts for multi-vehicle, good student, safe driver, 55 and retired, and renewal discount.
  • Liberty Mutual policyholders can earn discounts including hybrid vehicle, multi-car, teen driver discount, new move discount, and good student.
  • American Family may include discounts for air bags, bundled insurance, mySafetyValet, good driver, early bird, accident-free, and defensive driver.
  • Progressive offers premium reductions for multi-policy, online signing, continuous coverage, online quote discount, homeowner, and multi-vehicle.

It’s a good idea to ask every company which credits you are entitled to. Some credits might not be offered on policies in your area. For a list of insurance companies that offer many of these discounts, follow this link.

Finding car insurance

All the larger car insurance companies such as State Farm and Allstate make it easy to get price estimates direct online. Getting prices online is quite easy as you simply type in your personal and coverage information into the quote form. Upon sending the form, their system automatically orders credit information and your driving record and generates a price.

This simplifies rate comparisons, but the time required to go to different websites and type in the same data can be a bit repetitive. But it’s very important to have as many quotes as possible if you are searching for lower prices.

Rate comparisons made easy

A better way to lower your rates requires only one form that gets price quotes from several companies at one time. This type of form saves time, requires much less work on your part, and makes price shopping online a little more enjoyable. As soon as you send your information, it is rated and you can choose any or none of the quotes returned. If a lower price is quoted, you can click and sign and buy the policy. The whole process just takes a couple of minutes and can result in significant savings.

To find out how much you can save on car insurance, click here to open in a new tab and submit the form. To compare your current rates, we recommend you complete the form with the limits and deductibles just like they are on your policy. This makes sure you will have a fair comparison for similar coverage.

What impacts Saturn Aura insurance prices?

Many different elements are used when pricing auto insurance. Some are pretty understandable such as your driving history, although some other factors are more obscure like your vehicle usage or your commute time.The best way to find cheaper auto insurance is to take a look at the rating factors that aid in calculating the price you pay for auto insurance. If you have some idea of what controls the rates you pay, this enables informed choices that will entitle you to much lower annual insurance costs.

  • Avoid unnecessary extra coverages – There are quite a few optional add-on coverages you can purchase on your auto insurance policy. Insurance for personal injury protection, accident forgiveness, and term life insurance may be costing you every month. The coverages may be enticing initially, but if you have no use for them eliminate them to save money.
  • Accidents increase premiums – Only having one chargable violation can boost insurance rates by twenty percent. Drivers who don’t get tickets pay less for auto insurance than bad drivers. Drivers who get multiple violations such as DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to prevent a license revocation.
  • Safety ratings are a factor – Vehicles that have high safety ratings are cheaper to insure. Vehicles built for safety reduce injuries and better occupant protection translates into savings for insurance companies and cheaper rates on your policy. If your Saturn scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Your age impacts your prices – Young drivers tend to be inattentive and easily distracted when at the wheel of a vehicle so auto insurance rates are higher. Older drivers are viewed as being more responsible, cause fewer claims and accidents , and are generally more financially stable.
  • Don’t skimp on liability coverage – A critical coverage on your policy, liability insurance kicks in if you are found to be at fault for causing damage or personal injury in an accident. Your policy’s liability insurance provides for a legal defense to defend your case. It is affordable coverage compared to comp and collision, so do not cut corners here.

Situations that may require an agent’s advice

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions may help you determine whether your personal situation could use an agent’s help.

  • How much liability insurance is required?
  • Will my insurance pay for OEM parts?
  • Does my insurance cover a custom paint job?
  • How do I buy GAP insurance?
  • Does my insurance cover my expensive audio equipment?
  • What is roadside assistance coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • When can I cancel my policy?
  • When should I remove comp and collision on my 2007 Saturn Aura?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Well known brands might not be cheapest

Companies like State Farm and Allstate regularly use ads on television and other media. All the ads make an identical promise about how much you will save if you switch your policy. How is it plausible that every one can charge you a lower premium? It’s all in the words they use.

Most companies require specific criteria for the type of driver that earns them the most money. A good example of a profitable customer might be described as between 25 and 40, insures multiple vehicles, and has great credit. Any new insured that hits that “sweet spot” is entitled to the best price and as a result will probably cut their rates substantially.

Potential insureds who do not meet those standards will have to pay higher premium rates which results in the customer not purchasing. If you listen closely, the ads state “customers that switch” not “all people who quote” save money. That’s the way companies can advertise the way they do. This really emphasizes why drivers must do a quote comparison often. It is just not possible to predict which company will provide the lowest prices.

Learn about insurance coverages for a 2007 Saturn Aura

Knowing the specifics of a insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2007 Saturn Aura.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like falling objects, damage from a tornado or hurricane, vandalism, hail damage and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability auto insurance – This protects you from injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as attorney fees, structural damage, repair costs for stationary objects and legal defense fees. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage pay for short-term medical expenses like prosthetic devices, surgery, X-ray expenses, pain medications and ambulance fees. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage – Collision insurance will pay to fix damage to your Aura caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as rolling your car, hitting a parking meter and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

A fool and his money are soon parted

When shopping online for insurance, it’s a bad idea to buy poor coverage just to save money. There have been many cases where an accident victim reduced physical damage coverage only to regret at claim time they didn’t have enough coverage. The aim is to purchase plenty of coverage for the lowest price but still have enough coverage for asset protection.

In this article, we covered some good ideas how you can save on 2007 Saturn Aura insurance. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the biggest savings come from an unexpected company.

Consumers change insurance companies for a number of reasons such as delays in paying claims, an unsatisfactory settlement offer, being labeled a high risk driver or lack of trust in their agent. Regardless of your reason, switching companies is easier than you think.

More detailed insurance information can be found by following these links: