Cheap 2001 Saturn S-Series Car Insurance Rates

Having to pay for expensive auto insurance can dry up your checking account and force you to cut corners elsewhere. Performing a rate comparison is free and is an excellent way to lower your bills every month.

Numerous car insurance companies battle to insure your vehicles, and because of this it can be hard to compare auto insurance companies and get the best coverage at the lowest cost out there.

Compare insurance rates

The are a couple different ways to compare quotes from many available insurance companies in your state. The best method to find affordable 2001 Saturn S-Series insurance rates consists of shopping online. This can be done in just a few minutes using one of these methods.

The most efficient method to get quotes is to use a rate comparison form (click to open form in new window). This method keeps you from doing separate quotation requests for every company. One form submission gets you price quotes from multiple companies.

A slightly less efficient method to find better pricing requires you to visit the website for every company you want to comare to request a price quote. For examples sake, we’ll assume you need rates from Auto-Owners, Liberty Mutual and American Family. You would have to spend time on each company’s site and repeatedly type in your coverage information, which can be really labor intensive. To view a list of companies in your area, click here.

The final method to get comparison rates to different agent offices. Comparing online rate quotes reduces the need to sit down with an agent unless your situation requires the trained guidance of a local agency. Some companies do allow you to comparison shop your insurance online and still use a local agent.

Whichever way you choose to compare rates, try to keep the same deductibles and coverage limits on every quote. If the quotes have different coverage information it will be next to impossible to decipher which rate is best. Even a minor difference in coverages can mean a large discrepancy in price. And when quoting insurance, remember that comparing more company’s prices provides better odds of finding a better price.

Lower your insurance coverage rates with discounts

Insurance coverage is expensive, but discounts can save money and there are some available that many people don’t even know exist. Certain credits will be shown at the time of quoting, but once in a while a discount must be specially asked for prior to getting the savings.

  • Multiple Cars – Buying a policy with multiple vehicles on one policy can get a discount for every vehicle.
  • Multi-policy Discount – When you have multiple policies and insure them both with the same insurance company you may earn up to 20% off your total premium.
  • Telematics Data Discounts – Policyholders that allow data collection to monitor where and when they drive by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if their driving habits are good.
  • Homeowners Discount – Simply owning a home can get you a discount because it is proof that your finances are in order.
  • Senior Discount – Mature drivers are able to get a discount up to 10% for S-Series coverage.
  • Accident Free – Drivers who stay claim-free get the best insurance coverage rates as opposed to drivers who are more careless.
  • Passive Restraints and Air Bags – Factory options such as air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Buy New and Save – Putting insurance on a new car may earn a small discount because new model year vehicles are generally safer.

We need to note that most credits do not apply to the entire cost. Some only reduce specific coverage prices like physical damage coverage or medical payments. Just because it seems like you could get a free insurance coverage policy, it just doesn’t work that way.

A list of companies and some of the premium reductions they offer include:

  • State Farm has discounts for good driver, accident-free, multiple autos, defensive driving training, student away at school, multiple policy, and safe vehicle.
  • Liberty Mutual offers discounts for newly married, hybrid vehicle, safety features, teen driver discount, and preferred payment discount.
  • American Family may have discounts that include early bird, bundled insurance, good student, mySafetyValet, and accident-free.
  • Progressive offers premium reductions for continuous coverage, homeowner, multi-vehicle, multi-policy, online quote discount, and good student.
  • Farmers Insurance discounts include multi-car, early shopping, homeowner, distant student, and switch companies.
  • Auto-Owners Insurance may include discounts for anti-lock brakes, good student, paperless, group or association, mature driver, safe driver, and teen driver.
  • SAFECO includes discounts for teen safety rewards, drive less, accident prevention training, anti-theft, safe driver, bundle discounts, and anti-lock brakes.

Before purchasing a policy, check with every company how you can save money. Some credits may not be offered in your area. For a list of companies that offer some of these discounts, click here to view.

You are unique and your insurance should be too

When buying coverage for your personal vehicles, there is no one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. For example, these questions may help you determine whether your personal situation would benefit from professional advice.

  • Are split liability limits better than a combined single limit?
  • When would I need additional glass coverage?
  • Does my liability insurance cover pulling a trailer or camper?
  • Why do I only qualify for high-risk insurance?
  • Does coverage extend to a rental car in a foreign country?
  • Am I missing any policy discounts?
  • I have health insurance so do I need medical payments coverage?
  • Does my car insurance cover rental cars?
  • Is my trailer covered?
  • What if I don’t agree with a claim settlement offer?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Insurance coverage basics

Knowing the specifics of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types offered by insurance companies.

Comprehensive coverages – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as rock chips in glass, a broken windshield and hail damage. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverages – Liability coverage provides protection from damage that occurs to a person or their property. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as legal defense fees, pain and suffering, repair costs for stationary objects, medical services and medical expenses. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Coverage for medical payments – Med pay and PIP coverage provide coverage for short-term medical expenses such as prosthetic devices, chiropractic care, doctor visits and EMT expenses. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision coverage – Collision coverage will pay to fix damage to your S-Series resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like colliding with a tree, colliding with another moving vehicle, damaging your car on a curb, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Uninsured and underinsured coverage – This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as damage to your Saturn S-Series.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

One last thing

You just learned some good ideas how you can compare 2001 Saturn S-Series insurance car insurance rates online. The key concept to understand is the more you quote insurance coverage, the better your comparison will be. You may even find the most savings is with a small mutual company. They can often insure niche markets at a lower cost than the large multi-state companies such as Allstate and Progressive.

Some insurance companies may not provide price quotes online and usually these smaller companies only sell through independent agents. More affordable insurance can be purchased online and with local insurance agents, and you need to comparison shop both to get a complete price analysis.

When buying insurance coverage, do not skimp on coverage in order to save money. In many cases, an insured cut comprehensive coverage or liability limits and discovered at claim time that the small savings ended up costing them much more. Your focus should be to get the best coverage possible at a price you can afford, but do not sacrifice coverage to save money.

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