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.
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.
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.
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.
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.
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.
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.
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.
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 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.
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.
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.
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
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: