2008 Saturn Aura Insurance Rates – 5 Tips for Cheaper Quotes

I can’t think of a single person who likes paying for insurance coverage, especially knowing the cost is too high.

Insurance companies such as Allstate and Progressive increase brand awareness with fancy advertisements and it is challenging if not impossible to ignore the propoganda and take the time to shop coverage around.

Take advantage of discounts

Companies offering auto insurance don’t always publicize every discount in an easy-to-find place, so here is a list both well-publicized and also the lesser-known ways to save on insurance.

  • Drive Less and Save – Fewer annual miles on your Saturn could qualify for better rates on cars that stay parked.
  • Paperwork-free – A few companies give back up to $50 for buying your policy online.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy could earn a price break for each car.
  • Auto/Home Discount – If you insure your home and vehicles with one insurance company you may save at least 10% off all policies.
  • Passive Restraints and Air Bags – Cars that have air bags can get savings of 20% or more.

Consumers should know that some credits don’t apply to the entire policy premium. Some only apply to the cost of specific coverages such as comp or med pay. Just because you may think adding up those discounts means a free policy, insurance companies aren’t that generous.

Car insurance companies that may offer some of the above discounts include:

Before buying, ask each insurance company which discounts they offer. Discounts may not be available in your state.

Which Insurance is Cheapest?

The are a couple different ways to compare rate quotes from different insurance companies. One of the best ways to find competitive 2008 Saturn Aura insurance rates is to get quotes online. It is quite easy and can be accomplished using a couple different methods.

  1. The easiest and least time consuming way consumers can make multiple comparisons is a comparison rater form click to view form in new window. This form eliminates the need for a different quote for each company you want a rate for. Completing one form compares rates from many national carriers.
  2. A harder way to get quotes online requires visiting each individual company website and complete a new quote form. For instance, let’s say you want to compare Allstate, Esurance and Liberty Mutual. You would have to spend time on each company’s site and enter your policy data, which is why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

It’s up to you which method you use, but be sure to compare exactly the same coverage limits and deductibles on every quote. If you enter different limits and deductibles on each one you will not be able to make an equal comparison. Slightly different coverage limits could mean much higher rates. And when comparing insurance rates, know that comparing more company’s prices helps locate the best rates.

How to know if you need help

When it comes to choosing adequate coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions might help in determining if you would benefit from professional advice.

  • Do I need medical payments coverage since I have good health insurance?
  • Should I put collision coverage on all my vehicles?
  • I don’t drive much so do I pay less?
  • What are the financial responsibility laws in my state?
  • If I drive on a suspended license am I covered?
  • Why am I required to buy high-risk coverage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is pleasure use cheaper than using my 2008 Saturn Aura to commute?
  • How high should deductibles be on a 2008 Saturn Aura?
  • Will my insurance pay for OEM parts?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Learn about insurance coverages for a Saturn Aura

Learning about specific coverages of insurance can help you determine the best coverages for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement. Below you’ll find the usual coverages found on the average insurance policy.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as nursing services, X-ray expenses, pain medications, funeral costs and dental work. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Collision coverage

Collision insurance will pay to fix damage to your Aura caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like damaging your car on a curb, rolling your car, backing into a parked car, hitting a mailbox and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Liability car insurance

This will cover injuries or damage you cause to other people or property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims such as attorney fees, pain and suffering and loss of income. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Uninsured/Underinsured Motorist coverage

This provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like vandalism, damage from getting keyed and a tree branch falling on your vehicle. The maximum payout 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.

More choices the merrier

We just presented some good ideas how to compare 2008 Saturn Aura insurance prices online. The key thing to remember is the more rate comparisons you have, the better likelihood of reducing your rate. You may even discover the best price on insurance is with a lesser-known regional company. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm and Allstate.

Lower-priced insurance is available both online as well as from independent agents, and you should be comparing both to have the best rate selection. A few companies don’t offer online price quotes and many times these smaller companies only sell through independent insurance agents.

While you’re price shopping online, it’s very important that you do not reduce coverage to reduce premium. In many cases, an insured dropped full coverage to discover at claim time that the savings was not a smart move. The ultimate goal is to purchase a proper amount of coverage at the best price.

To read more, feel free to browse the following helpful articles: