Lower Your 1996 Saturn S-Series Insurance Quotes

Locating low-cost insurance for a Saturn S-Series could be difficult, but you can learn the following methods to make it easier.

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

Finding the best protection is easy if you know what you’re doing. If you have insurance now or are just looking to switch companies, you can use these tips to reduce the price you pay and possibly find even better coverage. Vehicle owners just need to know the most efficient way to buy insurance coverage online.

How much does car insurance cost?

Reducing your 1996 Saturn S-Series insurance rates doesn’t have to be difficult. Just spend a few minutes on the computer comparing rates to see which company has cheap insurance quotes. Insurance prices can be quoted by using one of the methods below.

If you are pressed for time, the simplest way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This easy form eliminates the need for separate quotes for each price estimate. A single form compares rates from several companies. This is perfect if you don’t have a lot of time.
A less efficient way to analyze rates is spending the time to visit each company’s website to request a price quote. For sake of this example, let’s say you want to compare rates from Auto-Owners, Progressive and Farmers. In order to get each rate, you would have to go to every website to input your insurance information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.

Whichever method you choose, ensure you’re using exactly the same quote data for every quote you compare. If each company quotes different deductibles you can’t possibly truly determine the lowest rate.

Use discounts to get cheaper auto insurance quotes

Companies do not advertise all their discounts in an easy-to-find place, so below is a list a few of the more well known and also the more inconspicuous credits that you can use to lower your rates.

Use Seat Belts – Drivers who require all vehicle occupants to use a seat belt can save up to 15% off the medical payments premium.
Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn lower prices if you buy life insurance from them.
Club Memberships – Belonging to qualifying clubs or civic groups is a good way to get lower rates when shopping for auto insurance.
Theft Prevention System – Cars, trucks, and SUVs that have factory anti-theft systems can help prevent theft so companies will give you a small discount.
Claim Free – Insureds with no claims or accidents pay less as compared to drivers who are more careless.
More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy may reduce the rate for each vehicle.
Cautious Driver Discount – Insureds without accidents may save up to 50% more for S-Series coverage than drivers with accident claims.

Don’t be surprised that most discount credits are not given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

Popular auto insurance companies and their possible discounts are:

21st Century offers discounts for student driver, driver training, early bird, 55 and older, theft prevention, automatic seat belts, and teen driver.
State Farm offers premium reductions for Drive Safe & Save, Steer Clear safe driver discount, multiple policy, good driver, accident-free, and anti-theft.
AAA may offer discounts for anti-theft, education and occupation, multi-car, good student, AAA membership discount, good driver, and pay-in-full.
Liberty Mutual policyholders can earn discounts including teen driver discount, new graduate, new move discount, exclusive group savings, multi-policy, and hybrid vehicle.
Progressive may include discounts for multi-vehicle, homeowner, online quote discount, continuous coverage, multi-policy, online signing, and good student.

If you are trying to find cheaper insurance quotes, ask each company which discounts you qualify for. All car insurance discounts might not be offered on policies everywhere. To see providers that have a full spectrum of discounts, click here.

Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage, there really is no one size fits all plan. Every situation is different.

Here are some questions about coverages that might point out if your insurance needs may require specific advice.

Is my trailer covered?
Am I covered if I hit a deer?
Can I rent a car in Mexico?
Do I need an umbrella policy?
Should I have combined single limit or split liability limits?
What is high-risk coverage and where do I buy it?
Should I drop comprehensive coverage on older vehicles?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.

Six tips to get cheap insurance rates

Many different elements are part of the calculation when premium rates are determined. Some factors are common sense like an MVR report, although some other factors are not as apparent like your continuous coverage or your financial responsibility.Smart consumers have a good feel for some of the things that aid in calculating the price you pay for insurance. When you understand what influences your rates, this enables informed choices that may reward you with big savings.

The list below includes a few of the things companies use to determine prices.

Accidents hurt – Even one speeding ticket or other violation could increase your next policy renewal by twenty percent. Good drivers pay lower auto insurance prices than people who have multiple driving citations. Drivers unfortunate enough to have careless citations such as DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to legally drive a vehicle.
How credit history affects insurance prices – Having a good credit score can be a huge factor in your rate calculation. If your credit score is not that good, you could be paying less to insure your 1996 Saturn S-Series if you improve your credit rating. Insureds with high credit ratings tend to be less risk to insure than drivers with lower ratings.
Drive less and save – Driving more miles each year the higher the price you pay to insure it. A lot of insurance companies charge to insure your cars determined by how the vehicle is used. Vehicles that sit idle most of the time receive better premium rates compared to those used for work or business. Ask your agent if your vehicle rating is rated on the right rating data. A policy that improperly rates your S-Series is just wasting money.
Never have insurance lapses – Driving your car without having proper coverage can get your license suspended and you may have a hard time finding new coverage because you let your insurance expire. And not only will your rates increase, the inability to provide proof of insurance can result in a fine, jail time, or a revoked license.
Premiums are lower the older you get – Drivers with little experience are statistically proven to be easily distracted with other occupants in the car so they pay higher insurance rates. Mature drivers are proven to be safer behind the wheel, are lower risk to insure and are safer drivers.
Qualify for multi-policy discounts – Most larger insurance companies will award a discount to customers who consolidate policies with them in the form of a multi-policy discount. Discounts can add up to as much as ten percent or more Even if you already get this discount, you still need to check prices from other companies to help guarantee you have the best rates.There is a chance you can find a better deal by splitting coverages up.

Car insurance specifics

Knowing the specifics of car insurance helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like vandalism, falling objects, a broken windshield, theft and rock chips in glass. The maximum payout your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for bills for things like prosthetic devices, nursing services, funeral costs and pain medications. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Saturn S-Series.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these limits are identical to your policy’s liability coverage.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as scraping a guard rail, hitting a parking meter, crashing into a ditch, driving through your garage door and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Auto liability

Liability coverage protects you from damages or injuries you inflict on other people or property. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers things like funeral expenses, legal defense fees, attorney fees and emergency aid. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Have the Midas touch

When shopping online for insurance coverage, it’s not a good idea to skimp on coverage in order to save money. In many instances, an insured cut physical damage coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase plenty of coverage at the best price.

You just read a lot of tips how to save on 1996 Saturn S-Series insurance. It’s most important to understand that the more companies you get prices for, the better your chances of lowering your prices. Drivers may discover the best premium rates are with a company that doesn’t do a lot of advertising.

Drivers leave their current company for a number of reasons such as high rates after DUI convictions, not issuing a premium refund, delays in paying claims and even questionable increases in premium. Whatever your reason, switching companies can be less work than you think.