Save on 1999 Saturn S-Series Insurance Cost

Looking for lower insurance coverage rates for your Saturn S-Series? Feel like you’re a prisoner to high-priced insurance coverage? Trust us, you are not the only one feeling buyer’s remorse.

Consumers have many car insurance companies to purchase coverage from, and though it is a good thing to have multiple companies, too many choices makes it more difficult to compare rates and cut insurance costs.

It’s important to take a look at other company’s rates every six months due to the fact that insurance rates change regularly. Even if you think you had the best price for S-Series insurance on your last policy you can probably find a lower rate today. Forget all the misinformation about insurance coverage because you’re about to find out how to use online quotes to find great coverage at a great price.

Finding the best rates is easy if you know what you’re doing. If you have car insurance now, you stand a good chance to be able to save some money using these tips. But vehicle owners do need to understand how the larger insurance companies compete online.

Save on 1999 Saturn S-Series insurance

Companies that sell car insurance don’t always advertise all their discounts very clearly, so we break down both well-publicized and also the lesser-known car insurance savings.

  • E-sign – Certain companies will give a small break just for signing your application on their website.
  • Safety Course Discount – Taking part in a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Accident Forgiveness – A few companies will allow you to have one accident without raising rates if you are claim-free for a set time period.
  • Student Driver Training – Have your child enroll in driver’s education if it’s offered in school.
  • Payment Method – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Employee of Federal Government – Simply working for the federal government may qualify you for a discount for S-Series insurance with a few car insurance companies.
  • Life Insurance Discount – Some companies give a discount if you purchase a life insurance policy as well.
  • Military Discounts – Having a deployed family member could mean lower rates.

As a disclaimer on discounts, most discounts do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as comp or med pay. Just because it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.

To see a list of insurance companies with discount car insurance rates, click this link.

The best way we recommend to get policy rate comparisons utilizes the fact all the major auto insurance companies provide online access to provide you with a free rate quote. The only thing you need to do is give them some information like distance driven, whether you are married, driver ages, and if you have an active license. That rating information is instantly provided to all major companies and they return quotes immediately.

Complexity of Saturn S-Series insurance rates

An important part of buying insurance is that you know the different types of things that help determine your insurance coverage rates. Knowing what influences your rates allows you to make educated decisions that may reward you with big savings.

The following are a partial list of the pieces companies use to determine rates.

  • Your stress level may be raising your rates – Did you know your insurance coverage rates can be affected by your occupation? Occupations like judges, executives and accountants have higher rates than average attributed to high stress and lots of time spent at work. On the flip side, professions such as actors, athletes and performers get better rates for S-Series insurance.
  • You might want pay the small claims yourself – If you are a frequent claim filer, you can definitely plan on either policy cancellation or increased premiums. Auto insurance companies generally give better rates to people who do not rely on their insurance for small claims. Your insurance policy is intended for major claims that would cause financial hardship.
  • High crash test scores lower rates – Cars with high safety ratings can get you lower premiums. The safest vehicles result in less severe injuries and lower injury rates means less money paid by your insurance company and lower rates for you. If your Saturn S-Series is rated at least four stars on Safercar.gov you may qualify for a discount.
  • The more you drive the more you pay – Driving more miles every year the higher your rates will be. Almost all companies price each vehicle’s coverage based on their usage. Autos that are left in the garage get more affordable rates as compared to vehicles used primarily for driving to work. An improperly rated S-Series may be wasting your money. Verify your insurance coverage coverage properly reflects the proper vehicle usage.
  • Where you live is a factor – Being located in a rural area is a positive aspect when talking about insurance coverage. Urban drivers tend to have more traffic problems and a longer drive to work. Fewer drivers means reduced accidents.
  • Extra add-on coverages are wasting money – There are quite a few extra coverages you can purchase on your S-Series policy. Things like rental car reimbursement, better glass coverage and membership fees may be wasting your money. These may sound like a good investment when you first buy your policy, but your needs may have changed so remove them from your policy.

Tailor your coverage to you

When it comes to buying adequate coverage for your vehicles, there is no cookie cutter policy. Every insured’s situation is different so this has to be addressed. These are some specific questions might help in determining whether your personal situation would benefit from an agent’s advice.

  • Is my 1999 Saturn S-Series covered for flood damage?
  • Why does it cost so much to insure a teen driver?
  • Is a blown tire covered by insurance?
  • Why am I required to get a high-risk car insurance policy?
  • Do I need medical payments coverage since I have good health insurance?
  • Does coverage extend to my business vehicle?
  • Should I buy additional glass protection?
  • Am I covered when delivering products for my home-based business?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Are you falling for claims of savings?

Auto insurance companies such as State Farm and Allstate constantly bombard you with television and radio advertisements. They all seem to say the same thing that you’ll save big if you switch your coverage to them. How do they all say the same thing? This is how they do it.

Different companies have a certain “appetite” for the type of driver that is profitable for them. For example, a desirable insured could be a mature driver, is a homeowner, and drives newer vehicles. Any driver that hits that “sweet spot” will get the preferred rates and most likely will save a lot of money.

Potential insureds who fall outside these standards will have to pay a higher premium and ends up with business going elsewhere. Company advertisements say “customers who switch” not “everybody who quotes” save money. That’s why insurance companies can advertise the way they do. Because of the profiling, drivers must compare many company’s rates. Because you never know which company will have the lowest Saturn S-Series insurance rates.

Insurance policy coverages for a 1999 Saturn S-Series

Understanding the coverages of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the normal coverages available from insurance companies.

Coverage for collisions

Collision insurance pays for damage to your S-Series resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like sustaining damage from a pot hole, colliding with another moving vehicle and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, hail damage and fire damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Auto liability insurance

This coverage will cover damage or injury you incur to people or other property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like bail bonds, legal defense fees, structural damage and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for bills for things like prosthetic devices, chiropractic care, ambulance fees, dental work and funeral costs. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

What is YOUR best insurance company?

We just showed you some good ideas how you can compare 1999 Saturn S-Series insurance prices online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding lower rates. Consumers may even find the lowest premiums are with a small mutual company. They can often insure niche markets at a lower cost compared to the large companies like Progressive and Geico.

Lower-priced insurance can be found online and also from your neighborhood agents, so you should compare both to get a complete price analysis. A few companies may not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

Even more information can be read by following these links: