1994 Saturn S-Series Insurance Quotes – 5 Ways to Save

Locating the cheapest insurance for your Saturn S-Series could be difficult, but you can learn the following methods to find lower rates.

There are both good and bad ways to compare insurance coverage rates so you’re going to learn the absolute fastest way to price shop coverage on a Saturn and find the lowest price either online or from local insurance agents.

How to get the cheapest auto insurance

All major auto insurance companies allow you to get coverage prices online. Getting quotes is quite easy as you just type in the coverage amounts you desire into the form. Behind the scenes, their quoting system gets credit information and your driving record and returns a price based on these factors.

Quoting online helps simplify price comparisons, but the process of having to visit many different websites and type in the same information is not the best way to spend an afternoon. But it’s necessary to compare as many rates as possible in order to get the lowest possible prices on auto insurance.

Keep reading for an easier way to compare prices

A quicker way to find cheaper rates requires only one form that analyzes rates from several companies at one time. It’s a real time-saver, requires much less work on your part, and makes online price comparison much simpler. As soon as you send your information, it gets priced and you can select any one of the price quotes you receive.

If you find a better price you can click and sign and purchase the new policy. The whole process takes 15 minutes at the most and may save quite a bit of money.

To find out how much you’re overpaying now, click here and enter your information. If you have a policy now, it’s recommended you enter the limits and deductibles as shown on your current policy. This ensures you are getting a rate comparison based on identical coverages.

Car insurance policy discounts

Some insurers do not advertise every discount very clearly, so the list below details some of the more common as well as some of the hidden savings tricks you should be using when you buy car insurance online.

  • Homeowners Savings – Being a homeowner may trigger a policy discount on car insurance because maintaining a house is proof of financial responsibility.
  • Passive Restraints – Vehicles with factory air bags can receive discounts of 20 to 30 percent.
  • E-sign Discounts – Certain larger companies may give you up to $50 for signing up on their website.
  • No Claim Discounts – Claim-free drivers have much lower rates as opposed to bad drivers.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts can save a little on the medical payments or PIP coverage costs.

Policy discounts save money, but some of the credits will not apply to the entire cost. Some only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

The best car insurance companies and their offered discounts are shown below.

  • 21st Century includes discounts for student driver, early bird, air bags, anti-lock brakes, and driver training.
  • Progressive may have discounts that include online signing, continuous coverage, homeowner, good student, online quote discount, and multi-vehicle.
  • State Farm has savings for Steer Clear safe driver discount, good student, multiple policy, passive restraint, anti-theft, and defensive driving training.
  • Nationwide may include discounts for business or organization, defensive driving, accident-free, good student, Farm Bureau membership, easy pay, and multi-policy.
  • Esurance offers discounts for paid-in-full, emergency road assistance, multi-policy, homeowner, anti-lock brakes, defensive driver, and claim free.
  • The Hartford offers discounts including driver training, anti-theft, good student, defensive driver, and air bag.

Double check with every company which discounts they offer. Discounts might not apply in your area.

How do I know if I need professional advice?

When buying coverage, there isn’t really a one size fits all plan. Everyone’s needs are different.

For instance, these questions may help you determine if you could use an agent’s help.

  • Is my 1994 Saturn S-Series covered for flood damage?
  • Should I buy only the required minimum liability coverage?
  • Where can I get insurance after a DUI in my state?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered if I hit a deer?
  • Does insurance cover tools stolen from my truck?
  • Is my dog or cat covered if injured in an accident?
  • At what point should I drop full coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.

Don’t believe everything you hear

Consumers can’t get away from ads for auto insurance savings from companies such as Allstate, GEICO and Progressive. All the companies make the point of big savings if you change your coverage.

Is it even possible that every company can claim to save you money?

Companies offer their best rates for the type of insured that earns them a profit. For instance, this type of risk profile might have to be between the ages of 40 and 55, has never had a policy lapse, and does not commute to work. Any new insured that hits that “sweet spot” gets the lowest premium rates as well as pay quite a bit less when switching companies.

Potential customers who do not fit the requirements will have to pay a more expensive rate and ends up with business going elsewhere. The ads state “people who switch” not “everybody who quotes” save money. That’s why companies can truthfully claim big savings.

Because of these techniques, you need to do a quote comparison often. It is impossible to guess with any certainty which company will have the lowest rates.

Auto insurance coverages explained

Having a good grasp of a auto insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Auto liability – Liability coverage protects you from damage or injury you incur to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things like loss of income, emergency aid and bail bonds. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as EMT expenses, rehabilitation expenses, surgery, chiropractic care and prosthetic devices. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as rock chips in glass, damage from flooding, a broken windshield and fire damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your 1994 Saturn S-Series.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as backing into a parked car, crashing into a ditch and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Online plus local equals savings

We just covered a lot of ways to get a better price on 1994 Saturn S-Series insurance. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. You may even find the biggest savings come from a small local company.

Lower-priced 1994 Saturn S-Series insurance can be sourced online in addition to many insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some insurance providers may not have the ability to get quotes online and these smaller providers provide coverage only through independent agents.

As you restructure your insurance plan, it’s very important that you do not buy less coverage just to save a little money. There are a lot of situations where someone sacrificed full coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase plenty of coverage at the best cost, but do not sacrifice coverage to save money.

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