View 1993 Saturn S-Series Insurance Quotes

Searching for better auto insurance rates? Consumers have lots of choices when looking for the best price on Saturn S-Series insurance. They can either spend hours struggling with agents trying to get quotes or save time using the internet to find the lowest rates.

There is a right way and a wrong way to find auto insurance online so you’re going to learn the best way to get price quotes for your Saturn and locate the lowest price.

You should make it a habit to compare rates on a regular basis because auto insurance prices are adjusted regularly by insurance companies. If you had the lowest rates for S-Series coverage on your last policy you can probably find a lower rate today. Ignore everything you know about auto insurance because we’re going to demonstrate one of the easiest ways to properly buy coverages while reducing your premium.

The purpose of this post is to instruct you on the best way to quote coverages. If you currently have car insurance, you will be able to reduce your rates substantially using these techniques. Consumers only need an understanding of the tricks to get comparison quotes over the internet.

Discount insurance rates

Insurance can be prohibitively expensive, but companies offer discounts to cut the cost considerably. A few discounts will automatically apply at quote time, but some need to be manually applied before you will receive the discount.

  • Resident Student – Children living away from home attending college and don’t have a car can receive lower rates.
  • First Accident Forgiveness – Not really a discount, but companies like Liberty Mutual and GEICO will turn a blind eye to one accident before hitting you with a surcharge if your claims history is clear for a set time period.
  • ABS and Traction Control Discounts – Cars and trucks with ABS braking systems or traction control can avoid accidents and will save you 10% or more.
  • Include Life Insurance and Save – Some companies give a small discount if you purchase some life insurance too.
  • E-sign Discounts – Many insurance companies give back up to $50 for buying your policy digitally online.
  • Bundle and Save – When you have multiple policies with one insurance company you could save nearly 15% which can help you find low cost auto insurance.
  • Discount for Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems could see savings of 20% or more.
  • Telematics Devices – Insureds that choose to allow their insurance company to study when and where they use their vehicle by using a small device installed in their vehicle like Allstate’s Drivewise may see discounts if they are good drivers.

Don’t be shocked that some of the credits will not apply to your bottom line cost. Most cut individual premiums such as comp or med pay. So when the math indicates you can get free auto insurance, companies don’t profit that way.

To view companies that have a full spectrum of discounts, click here to view.

Learn how to lower your insurance prices

An important part of buying insurance is that you know some of the factors that help determine the price you pay for auto insurance. If you understand what determines base rates, this empowers consumers to make smart changes that may result in better auto insurance rates.

The factors shown below are some of the factors companies use to determine your premiums.

  • Cheaper auto insurance rates with safer cars – Safer cars get lower rates. Vehicles engineered for safety help reduce the chance of injuries in an accident and reduced instances of injuries means less claims paid passed on to you as lower rates.
  • How old are your drivers? – Older people are proven to be safer behind the wheel, tend to file fewer claims and get fewer tickets.Beginning drivers are statistically proven to be inattentive and easily distracted behind the wheel so they pay higher auto insurance rates.
  • Cheaper rates after marriage – Your spouse may earn you lower rates when buying auto insurance. Having a significant other may mean you are more mature than a single person and statistics prove married drivers tend to file fewer claims.
  • Small coverages can add up – There are a lot of additional extra coverages that you can get tricked into buying if you aren’t diligent. Insurance for vanishing deductibles, towing, and motor club memberships may be wasting your money. They may sound like good ideas when deciding what coverages you need, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.

Tailor your car insurance coverage to you

When buying the right insurance coverage for your vehicles, there is no one size fits all plan. Every insured’s situation is different.

These are some specific questions may help you determine whether your personal situation may require specific advice.

  • Am I covered when driving someone else’s vehicle?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • I have health insurance so do I need medical payments coverage?
  • Can I make deliveries for my home business?
  • Will my rates increase for filing one claim?
  • Am I covered if I hit my neighbor’s mailbox?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

Auto insurance coverage considerations

Learning about specific coverages of auto insurance can help you determine which coverages you need for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Coverage for collisions

Collision insurance covers damage to your S-Series resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as sideswiping another vehicle, sustaining damage from a pot hole, hitting a mailbox, rolling your car and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your Saturn S-Series.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these coverages are similar to your liability insurance amounts.

Auto liability

Liability insurance protects you from damages or injuries you inflict on people or other property that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like court costs, legal defense fees and structural damage. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Comprehensive auto insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, vandalism, a tree branch falling on your vehicle, a broken windshield and falling objects. The maximum amount your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as X-ray expenses, pain medications and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

In Summary

Consumers switch companies for many reasons like an unsatisfactory settlement offer, being labeled a high risk driver, denial of a claim or lack of trust in their agent. Regardless of your reason for switching companies, switching insurance companies can be pretty painless.

Some insurance companies may not have rates over the internet and most of the time these smaller companies only sell through independent agencies. More affordable insurance can be purchased both online in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from.

When searching for cheaper auto insurance quotes, never skimp on critical coverages to save a buck or two. There are many occasions where an accident victim reduced physical damage coverage and learned later that they should have had better coverage. Your goal should be to buy a smart amount of coverage at the best possible price while not skimping on critical coverages.

More detailed insurance information can be found by following these links: