Looking for cheaper car insurance rates for your Saturn S-Series? I can’t think of anyone who likes having to buy car insurance, especially when the price is too high. Having so many online and local companies to choose from, it is hard for the average consumer to find the right provider.
Finding the best rates is not rocket science. If you have car insurance now, you will most likely be able to cut costs considerably using this information. Drivers just need to know the most efficient way to compare prices on the web.
There are multiple methods you can shop for 1997 Saturn S-Series auto insurance but some are more efficient than others. You can waste hours talking to agents in your area, or you can utilize the internet to quickly compare rates.
Many popular insurance companies are enrolled in a marketplace that enables customers to only type in their quote data once, and each company then returns a price quote based on that information. This eliminates the need for quote requests for each company you want a rate for.
To find out what other companies charge for 1997 Saturn S-Series insurance click here to open in new window.
The one disadvantage to pricing coverage this way is that consumers can’t choose which carriers you will receive quotes from. So if you prefer to pick from a list of companies to compare rates, we have a page of the cheapest auto insurance companies in your area. Click here for list of insurance companies.
Whichever way you use, double check that you are using apples-to-apples coverage limits for each price quote. If each company quotes unequal deductibles or liability limits then you won’t be able to make an equal comparison.
Companies don’t always publicize all their discounts in an easy-to-find place, so we break down both the well known and also the lesser-known insurance coverage savings. If they aren’t giving you every credit you qualify for, you are throwing money away.
As a disclaimer on discounts, many deductions do not apply the the whole policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, you’re out of luck.
For a list of companies with the best insurance coverage discounts, click here.
When it comes to buying coverage for your vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions may help you determine if your insurance needs might need professional guidance.
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.
Smart consumers have a good feel for the different types of things that go into determining the rates you pay for insurance coverage. When you know what positively or negatively influences your rates allows you to make educated decisions that can help you get big savings.
Listed below are a partial list of the pieces companies use to determine your rates.
Consumers get pounded daily by advertisements for cheaper car insurance by State Farm, Allstate and Geico. They all make an identical promise that you’ll save big after switching to their company.
How can each company claim to save you money?
Insurance companies are able to cherry pick for the driver that makes them money. A good example of a driver they prefer could be between 30 and 50, insures multiple vehicles, and drives newer vehicles. A customer getting a price quote that hits that “sweet spot” is entitled to the best price and therefore will save when they switch companies.
Consumers who are not a match for this ideal profile will be charged a more expensive rate and ends up with the customer not buying. The ads say “people who switch” not “everyone that quotes” save money. That is how insurance companies can state the savings. That is why drivers must get a wide range of price quotes. It is impossible to predict which company will fit your personal profile best.
Learning about specific coverages of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages available from insurance companies.
Insurance for medical payments
Med pay and PIP coverage pay for bills for things like X-ray expenses, nursing services and doctor visits. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay
Coverage for liability
Liability coverage protects you from damages or injuries you inflict on other’s property or people. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.
Liability insurance covers things such as medical services, medical expenses, emergency aid and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.
Comprehensive coverage (or Other than Collision)
This coverage pays for 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 things like damage from flooding, damage from getting keyed, falling objects, rock chips in glass and a broken windshield. The highest amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Collision insurance
This coverage pays for damage to your S-Series resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things like rolling your car, scraping a guard rail and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.
Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.
As you restructure your insurance plan, don’t be tempted to skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced liability limits or collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.
We covered many tips how you can get a better price on 1997 Saturn S-Series insurance. The key concept to understand is the more times you quote, the higher your chance of finding lower rates. You may even discover the lowest priced insurance comes from some of the smallest insurance companies. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive and Geico.
Cheaper insurance is available on the web as well as from independent agents, so you should compare both to get a complete price analysis. Some companies don’t offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.
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