2002 Saturn S-Series Car Insurance Quotes – 7 Savings Tips

Have you fallen victim to an underperforming, overpriced insurance coverage policy? Believe me when I say you’re not alone. Numerous insurers battle for your business, so it’s not easy to compare every insurer to find the absolute lowest price

If you have a policy now or need new coverage, you can learn to shop for the lowest rates while maximizing coverage. Finding the best rates is easy if you know what you’re doing. Vehicle owners just need to learn how to buy insurance on the web.

More discounts equal less premium

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that you may not know about. Certain discounts will be triggered automatically when you purchase, but some must be inquired about in order for you to get them. If you don’t get every credit available, you’re paying more than you need to.

  • Safety Course Discount – Successfully completing a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts could save 15% off your medical payments premium.
  • Service Members Pay Less – Being on active duty in the military can result in better rates.
  • Accident Waiver – Certain companies permit an accident before raising your premiums so long as you haven’t had any claims for a set time period.
  • Federal Employees – Employees or retirees of the government may qualify you for a discount for S-Series coverage with select insurance companies.
  • Resident Student – Kids in college living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.

As a disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Most cut the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like you can get free auto insurance, you’re out of luck. Any qualifying discounts will bring down the cost of coverage.

Car insurance companies that possibly offer these money-saving discounts may include but are not limited to:

Before buying, ask all companies you are considering what discounts are available to you. Some discounts might not be offered in your area.

How to Compare Insurance

All the larger insurance companies like State Farm, Geico and Progressive quote price estimates on their websites. Getting online quotes is fairly simple as you simply type in your coverage preferences as detailed in the form. After you submit the form their rating system will obtain credit information and your driving record and returns a price based on these and other factors. This helps simplify price comparisons, but the time required to go to different websites and type in the same information is repetitive and time-consuming. But it is imperative to get many rate quotes if you want to find the lowest price.

Isn’t there an easier way to compare rates?

The quickest way to locate the lowest prices uses one form that gets prices from several companies at one time. This type of form saves time, requires less work, and makes comparison shopping much easier to do. Once the form is submitted, it gets priced and you can choose your choice of the pricing results.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the policy. The entire process takes 15 minutes at the most and you will find out if you’re overpaying now.

If you want to find out how much you can save on insurance, click here and complete the simple form. If you have a policy now, it’s recommended you enter the limits and deductibles identical to your current policy. Using the same limits helps guarantee you will get rate comparison quotes based on the exact same insurance coverage.

It’s not one size fits all

When buying proper insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether your personal situation may require specific advice.

  • How do I buy GAP insurance?
  • Can I afford low physical damage deductibles?
  • Does my policy cover me when driving someone else’s vehicle?
  • Should I have combined single limit or split liability limits?
  • How do I insure my teen driver?
  • Can my teen drive my company car?
  • Do I need an umbrella policy?
  • Can I afford to pay high deductible claims out of pocket?
  • Where can I find high-risk insurance?
  • Am I getting all the discounts available?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Information about specific coverages

Understanding the coverages of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on the average insurance policy.

Comprehensive insurance

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, damage from getting keyed, falling objects, vandalism and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverages

This coverage will cover injuries or damage you cause to a person or their property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Another option is one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as medical expenses, funeral expenses, bail bonds, medical services and emergency aid. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision protection

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 then insurance will cover the remainder.

Collision coverage pays for claims like rolling your car, hitting a mailbox and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for immediate expenses for things like prosthetic devices, X-ray expenses, rehabilitation expenses and surgery. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

This provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Saturn S-Series.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently these limits do not exceed the liability coverage limits.

Saving money is sweet as honey

You just read many ways to get a better price on 2002 Saturn S-Series insurance. The most important thing to understand is the more times you quote, the higher your chance of finding lower rates. You may even discover the lowest priced car insurance comes from an unexpected company. Smaller companies may only write in your state and offer lower rates than their larger competitors like State Farm and Allstate.

When shopping online for car insurance, make sure you don’t skimp on coverage in order to save money. There have been many cases where an insured cut uninsured motorist or liability limits only to find out that it was a big error on their part. The ultimate goal is to buy enough coverage for the lowest price while not skimping on critical coverages.

Additional information