Compare 1991 Saturn S-Series Insurance Rates

Consumers not familiar with price shopping insurance online may find buying cheap insurance quite difficult.

It’s smart to compare prices on a regular basis because rates change frequently. Just because you had the lowest price on S-Series insurance a few years ago you will most likely find a better rate today. Don’t believe everything you read about insurance online but I’m going to show you some great ways to stop overpaying for insurance.

Free Auto Insurance Quotes

There are several ways to compare quotes from different insurance companies. The best method to find competitive 1991 Saturn S-Series insurance rates is to perform an online rate comparison. This can be done using a couple different methods.

  1. The fastest way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This method saves time by eliminating repetitive form entry to each individual auto insurance company. One form submission will get you rate comparisons from multiple low-cost companies. Recommended for those who want to invest the least amount of time.
  2. A less efficient way to compare rate quotes is to take the time to go to the website of each company and fill out their own quote form. For examples sake, we’ll assume you want rates from Geico, Farmers and GMAC. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why most consumers use the first method. To view a list of companies in your area, click here.

Whichever way you use, make darn sure you compare the exact same deductibles and coverage limits for every quote you compare. If you use different limits and deductibles on each one you will not be able to find the best deal for your Saturn S-Series. Just a small difference in limits may result in large price differences. It’s important to know that comparing a large number of companies will enable you to find a lower rate.

Discounts to lower 1991 Saturn S-Series insurance rates

The price of auto insurance can be rather high, but there could be available discounts to help offset the cost. Some discounts apply automatically when you purchase, but a few must be asked for prior to getting the savings.

  • Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount on S-Series insurance with a few insurance coverage companies.
  • Senior Discount – Older drivers may be able to get better insurance coverage rates on S-Series insurance.
  • Homeowners Pay Less – Owning a house may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
  • Safety Course Discount – Taking part in a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
  • Seat Belts Save more than Lives – Requiring all passengers to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
  • Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance.
  • Organization Discounts – Belonging to a civic or occupational organization may earn a discount when buying insurance coverage on S-Series insurance.
  • College Student – Children who live away from home and do not have a car may be able to be covered for less.
  • Good Student Discount – Getting good grades can save 20 to 25%. The discount lasts well after school through age 25.
  • Discounts for Safe Drivers – Insureds without accidents may save up to 50% more on S-Series insurance than drivers with accident claims.

It’s important to note that many deductions do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as medical payments or collision. So even though it sounds like all those discounts means the company will pay you, it doesn’t quite work that way. But any discount will bring down your overall premium however.

A partial list of companies that may have some of the above discounts may include but are not limited to:

Check with each company which discounts they offer. All car insurance discounts might not apply in your state.

Elements that influence Saturn S-Series insurance rates

An important part of buying insurance is that you know some of the elements that play a part in calculating insurance coverage rates. Understanding what influences your rates allows you to make educated decisions that will entitle you to better insurance coverage rates.

Shown below are a few of the “ingredients” companies use to determine prices.

  • Equipment add-ons that lower insurance coverage rates – Choosing a vehicle with an alarm system can get you a discount on your insurance coverage. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
  • You might want pay the small claims yourself – Companies award discounts to insureds who do not rely on their insurance for small claims. If you file claims often, you can definitely plan on either policy cancellation or increased premiums. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Your insurance coverage rates can be influenced by your job – Did you know your occupation can influence how much you pay for insurance coverage? Careers like real estate brokers, business owners and financial analysts tend to have higher average rates in part from high stress levels and long work days. Conversely, occupations like scientists, engineers and performers receive lower rates on S-Series insurance.
  • Are you male or female? – The statistics show women tend to be less risk to insure than men. However, don’t assume that men are WORSE drivers than women. Men and women are in accidents at about the same rate, but men cause more damage and cost insurance companies more money. Men also receive more costly citations such as DWI and reckless driving.
  • Your age impacts your rates – Teen drivers are statistically proven to get distracted easily in a vehicle so they pay higher insurance coverage rates. Mature drivers are more responsible, tend to cause fewer accidents and receive fewer citations.
  • Bump up deductibles to save – The deductibles represent how much money you are required to spend in the event of a claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. A few examples of covered claims could be colliding with a building, damage caused by hail, and burglary. The more you have to pay, the less your insurance coverage will be on S-Series insurance.
  • Clean credit earns discounts – Your credit score is a large factor in your rate calculation. So if your credit score is lower than you’d like, you could potentially save money when insuring your 1991 Saturn S-Series by improving your credit score. Drivers with excellent credit tend to file fewer claims and have better driving records as compared to drivers with poor credit.

Tailor your coverage to you

When buying coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions may help you determine whether you could use an agent’s help.

  • Does my insurance cover a custom paint job?
  • Can I get a multi-policy discount?
  • Will my rates increase for filing one claim?
  • Do I need higher collision deductibles?
  • Am I covered when delivering products for my home-based business?
  • What vehicles should carry emergency assistance coverage?
  • What is covered by UM/UIM coverage?
  • How much liability do I need to cover my assets?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Insurance coverage options for a Saturn S-Series

Knowing the specifics of your insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like hospital visits, chiropractic care and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage

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 insurance covers claims such as hitting a bird, hitting a deer, damage from flooding, a broken windshield and hail damage. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision insurance

Collision insurance will pay to fix damage to your S-Series caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as rolling your car, colliding with a tree, backing into a parked car, crashing into a ditch and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Liability auto insurance

Liability insurance will cover damage or injury you incur to other’s property or people by causing an accident. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like bail bonds, medical expenses, pain and suffering, loss of income and court costs. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

More effort can pay off

Affordable 1991 Saturn S-Series insurance is definitely available both online and with local insurance agents, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who do not offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

In this article, we presented many ways to lower your insurance rates. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Drivers may discover the best price on car insurance is with an unexpected company.

As you restructure your insurance plan, it’s a bad idea to reduce coverage to reduce premium. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits only to discover later they didn’t have enough coverage. Your goal should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

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