Cheaper 1991 Saturn S-Series Car Insurance Cost

Pricey Saturn S-Series insurance can draw down your funds and maybe even restrict other spending. Doing a rate analysis can help to lower your monthly bill.

Having so many options when it comes to auto insurance, it can be impossible to find a lower cost auto insurance company.

Find Saturn S-Series insurance at a discount

One of the most helpful ways to save on insurance coverage is to to have a grasp of the different types of things that aid in calculating your premiums. When consumers understand what influences your rates, this enables you to make decisions that will entitle you to much lower annual insurance costs. Multiple criteria are used when you get a price on insurance. A few of the factors are predictable such as traffic violations, but other factors are more transparent such as your marital status and annual miles driven.

  • Don’t cut corners with liability protection – Liability coverage will protect you when you are found to be at fault for damages from an accident. It provides you with a defense in court up to the limits shown on your policy. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Frequent insurance coverage claims will increase rates – If you are a frequent claim filer, don’t be surprised to see higher rates. Companies generally give lower rates to drivers who file claims infrequently. Auto insurance is intended to be relied upon for the large, substantial claims.
  • Never have insurance coverage lapses – Allowing your coverage to lapse is a quick way to increase your insurance coverage rates. Not only will rates go up, not being able to provide proof of insurance may earn you a fine, jail time, or a revoked license. You may then be required to prove you have insurance by filing a SR-22 with your state DMV.
  • Alarms and GPS tracking lowers premiums – Purchasing a vehicle with an alarm system can help bring down rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent your car from being stolen.
  • Rates can be impacted by your employer – Did you know your career choice can influence rates? Jobs like military generals, social workers and emergency personnel are shown to have higher average rates attributed to high stress and incredibly demanding work hours. On the other hand, occupations like professors, historians and homemakers have lower than average premiums on S-Series insurance.
  • How many miles do you drive? – Driving a lot of miles in a year the more you’ll pay to insure it. Most insurance companies calculate rates based upon how the vehicle is primarily used. Vehicles used primarily for pleasure use qualify for better rates compared to those used for work or business. Improper usage on your S-Series may be costing you. Ask your agent if your policy states the correct driver usage, because improper ratings can cost you money.

Use discounts on insurance

Some insurers don’t always list the entire discount list in a way that’s easy to find, so the list below gives a summary of both the well known and the harder-to-find ways to save on insurance.

  • Discounts for Cautious Drivers – Safe drivers can save up to 40% or more on their car insurance quote on S-Series insurance compared to accident prone drivers.
  • Multi-line Discount – If the company offers life insurance, you could get better rates if you take out a life policy as well.
  • Theft Prevention Discount – Vehicles optioned with advanced anti-theft systems are stolen less frequently and that can save you a little bit as well.
  • Lower Rates for Military – Being on active deployment in the military could trigger a small discount.
  • Discount for Good Grades – Maintaining excellent grades can save 20 to 25%. The discount lasts until age 25.
  • Seat Belts Save – Drivers who require all occupants to buckle their seat belts may be able to save a few bucks on medical payment and PIP coverage.
  • Discounts for Multiple Vehicles – Buying insurance for multiple cars or trucks on one policy qualifies for this discount.
  • No Claim Discounts – Drivers with accident-free driving histories can save substantially when compared with drivers with a long claim history.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents so you can save 10 percent or more.
  • Discount for Multiple Policies – If you have multiple policies with the same company you could get a discount of at least 10% off all policies.

As a sidenote, some of the credits will not apply to the entire policy premium. Some only reduce the cost of specific coverages such as collision or personal injury protection. Even though the math looks like you would end up receiving a 100% discount, it doesn’t quite work that way.

A list of insurance companies and the discounts they provide are detailed below.

  • State Farm has savings for anti-theft, Steer Clear safe driver discount, driver’s education, passive restraint, and safe vehicle.
  • Progressive may offer discounts for multi-vehicle, homeowner, multi-policy, online quote discount, and online signing.
  • Travelers discounts include continuous insurance, multi-policy, payment discounts, early quote, save driver, new car, and hybrid/electric vehicle.
  • American Family offers premium reductions for mySafetyValet, Steer into Savings, bundled insurance, multi-vehicle, and air bags.
  • Liberty Mutual policyholders can earn discounts including new graduate, new move discount, preferred payment discount, teen driver discount, new vehicle discount, multi-policy, and exclusive group savings.

If you need affordable car insurance quotes, ask each company or agent which discounts you may be entitled to. Some discounts listed above may not apply to policies everywhere. To locate companies that can offer you the previously mentioned discounts, click this link.

Brand name doesn’t guarantee savings

Consumers can’t ignore all the ads that promise big savings for switching from the likes of Allstate and Progressive. All the companies say the same thing that you’ll save big if you just switch your coverage.

Is it even possible that every company can sell you cheaper insurance coverage? Just pay attention to how they say it.

Companies can use profiling for the right customer that is profitable for them. For example, a profitable risk profile may be between 30 and 50, has a low-risk occupation, and has a short commute. A customer getting a price quote that hits that “sweet spot” receives the best rates and therefore will save quite a bit of money when switching.

Potential insureds who fall outside this ideal profile may receive higher rates with the end result being the driver buying from a lower-cost company. The trick is to say “drivers who switch” not “everyone that quotes” save money. This is how companies can truthfully make claims like that. Because every company is different, it is so important to compare many company’s prices. You cannot predict which company will fit you best based on your risk profile.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is unique so this has to be addressed. These are some specific questions may help you determine if your situation would benefit from an agent’s advice.

  • Is my state a no-fault state?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • What is an SR-22 filing?
  • If my pet gets injured in an accident are they covered?
  • Why is insurance for a teen driver so high?
  • What if I total my 1991 Saturn S-Series and owe more than it’s worth?

If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Specific coverages for a 1991 Saturn S-Series

Understanding the coverages of a auto insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Shown next are typical coverages found on the average auto insurance policy.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for immediate expenses for prosthetic devices, rehabilitation expenses, X-ray expenses, pain medications and EMT expenses. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Collision coverage

This pays for damage to your S-Series from colliding with another car or object. 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, driving through your garage door and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Liability coverage

Liability insurance provides protection from injuries or damage you cause to people or other property that is your fault. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

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 limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims such as emergency aid, funeral expenses, pain and suffering and legal defense fees. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Comprehensive insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from flooding, hitting a deer, hail damage and hitting a bird. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your Saturn S-Series.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Online plus local equals savings

In this article, we presented a lot of techniques to lower your 1991 Saturn S-Series insurance prices. It’s most important to understand that the more price quotes you have, the higher your chance of finding cheaper car insurance. Consumers may even find the biggest savings come from some of the lesser-known companies. These companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive or GEICO.

A few companies may not have rate quotes online and usually these small, regional companies sell through local independent agents. Affordable 1991 Saturn S-Series insurance can be bought from both online companies and also from your neighborhood agents, so you should compare both to get a complete price analysis.

Additional information is available at the links below