2000 Saturn S-Series Insurance Cost – 8 Ideas for Cheaper Prices

Buyers have options when searching for the best price on Saturn S-Series insurance. They can either waste time contacting agents getting price quotes or leverage the internet to get rate quotes. There is a better way to shop for auto insurance so we’re going to tell you the quickest way to compare rates for a Saturn and get the best price possible from local insurance agents and online providers.

Buying car insurance is quite easy. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this information. Drivers only need an understanding of the proper way to get comparison rates online.

Double check you’re getting these eight money-saving discounts

Companies offering auto insurance don’t always publicize all their discounts in a way that’s easy to find, so the list below gives a summary of some of the best known and also the more inconspicuous savings tricks you should be using when you buy car insurance online.

  • No Claims – Drivers with accident-free driving histories pay much less as opposed to drivers with a long claim history.
  • Discounts for New Vehicles – Buying a new car model is cheaper compared to insuring an older model.
  • Military Deployment Discount – Having an actively deployed family member could mean lower prices.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts can save 10% or more off the personal injury premium cost.
  • Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • Discounts for Government Workers – Simply working for the federal government could cut as much as 10% off on S-Series coverage with a few insurance companies.
  • Cautious Driver Discounts – Drivers without accidents can save as much as half off their rates on S-Series coverage than drivers with accident claims.
  • Accident Forgiveness Coverage – This one is not really a discount per se, but some insurance companies will allow you to have one accident before they charge you more for coverage if your claims history is clear before the accident.

Discounts lower rates, but some of the credits will not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. If you do the math and it seems like having all the discounts means you get insurance for free, insurance companies aren’t that generous.

For a list of insurers that provide some of the discounts listed above, click here to view.

How to compare auto insurance quotes

There are several ways to shop for auto insurance, and some are easier and takes less work. You could spend the better part of a day discussing policy coverages with agents in your area, or you can utilize the web to get rates in a matter of minutes.

Most of the larger companies belong to an insurance system that allows shoppers to enter their policy data once, and each company can provide price quotes determined by their information. This prevents consumers from doing repetitive form submissions to each company.

To get comparison pricing now click to open in new window.

One minor caviat to getting quotes like this is you are unable to specify which companies you want to price. So if you prefer to pick specific insurance companies to compare rates, we put together a list of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just compare nearly identical quote information with every price quote. If your comparisons have mixed coverages you can’t possibly make a fair rate comparison.

Do I need special coverages?

When choosing the best car insurance coverage for your personal vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining if you might need professional guidance.

  • How can I get high-risk coverage after a DUI?
  • Does insurance cover tools stolen from my truck?
  • When do I need to add a new car to my policy?
  • I don’t drive much so do I pay less?
  • Are rock chip repairs covered?
  • Are my friends covered when driving my 2000 Saturn S-Series?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and may give you better protection.

Coverages available on your policy

Having a good grasp of car insurance can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Saturn S-Series.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Comprehensive protection

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hail damage, hitting a bird, vandalism and falling objects. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision insurance

This pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like crashing into a ditch, hitting a parking meter and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Liability car insurance

Liability coverage will cover damage or injury you incur to people or other property. 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 for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as pain and suffering, repair costs for stationary objects, structural damage, court costs and funeral expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for bills for chiropractic care, funeral costs, hospital visits, nursing services and rehabilitation expenses. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

More effort can pay off

When searching for inexpensive car insurance quotes, you should never reduce needed coverages to save money. In too many instances, an accident victim reduced uninsured motorist or liability limits and found out when filing a claim they didn’t have enough coverage. Your goal is to get the best coverage possible at the lowest possible cost and still be able to protect your assets.

Consumers who switch companies do it for any number of reasons including policy cancellation, questionable increases in premium, an unsatisfactory settlement offer and denial of a claim. Whatever your reason, switching companies can be easier than you think.

In this article, we covered a lot of information how to compare 2000 Saturn S-Series insurance prices online. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may even discover the best price on insurance coverage is with a small local company.

More detailed insurance coverage information can be read by following these links: