2002 Saturn L-Series Insurance Rates – 7 Savings Tips

Finding better insurance prices for a new or used Saturn L-Series can turn out to be an all-consuming task, but you can follow our insurance coverage buying tips to save time. There is a right way and a wrong way to buy insurance coverage and we’ll show you the quickest way to get price quotes for your Saturn and locate the lowest price.

It’s a great practice to get comparison quotes every six months due to the fact that insurance prices change quite often. Even if you got the best deal for L-Series insurance last year you will most likely find a better rate quote today. Forget anything you know (or think you know) about insurance coverage because we’re going to demonstrate the only way to lower your rates without sacrificing coverage.

If you have a current insurance coverage policy or need a new policy, you can use these techniques to get lower rates while maximizing coverage. Pricing the cheapest insurance coverage coverage is not that difficult. Drivers only need an understanding of the tricks to compare prices over the internet.

How to compare auto insurance quotes

Most larger insurance companies allow you to get coverage price quotes directly from their websites. Doing online price comparisons is very simple as all you need to do is type in your coverage preferences on the page. After you complete the form, their rating system will order your driving and credit reports and gives you a price quote based on these and other factors.

Online price quotes helps simplify price comparisons, but the work required to visit multiple sites and type in the same data can be a bit repetitive. But it’s necessary to get many rate quotes if you want to get the best price possible.

There is a better way!

An easier way to compare rates is to use a quote form to get prices from a lot of companies. The form is fast, requires much less work on your part, and makes comparison shopping much easier. As soon as the form is sent, it is rated and you can choose any one of the pricing results. If you find a better price you can simply submit the application and buy the new coverage. The entire process can be completed in less than 10 minutes and you will find out if you’re overpaying now.

To find out how much you’re overpaying now, click here and fill out the form. If you have coverage now, it’s recommended that you enter the coverage information identical to your current policy. Doing this guarantees you are getting comparison quotes for exact coverage.

Affordable insurance coverage rates with discounts

Companies offering auto insurance don’t always advertise all available discounts in an easy-to-find place, so we took the time to find a few of the more well known and the harder-to-find credits that may apply to you. If you do not double check each discount you deserve, it’s possible you qualify for a lower rate.

  • Good Grades Discount – A discount for being a good student can earn a discount of 20% or more. Many companies even apply the discount to college students until age 25.
  • Professional Organizations – Being in certain professional organizations could earn you a nice discount on your bill.
  • Resident Student – College-age children who live away from home to go to college and don’t have a car may be insured at a cheaper rate.
  • No Charge for an Accident – This one isn’t a discount, but certain companies will turn a blind eye to one accident before they charge you more for coverage so long as you haven’t had any claims prior to being involved in the accident.
  • Auto/Home Discount – If you can bundle your auto and home insurance with one insurance company you may save over 10 percent off each policy depending on the company.
  • E-sign Discounts – A few insurance coverage companies will discount your bill up to fifty bucks for signing up on their website.
  • Multiple Vehicles – Drivers who insure all your vehicles on one policy could earn a price break for each car.

It’s important to note that most discounts do not apply to the entire cost. Some only apply to specific coverage prices like comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

Companies and a selection of discounts are shown below.

  • State Farm discounts include good driver, accident-free, Drive Safe & Save, defensive driving training, anti-theft, multiple policy, and multiple autos.
  • Farmers Insurance includes discounts for teen driver, mature driver, bundle discounts, distant student, and multi-car.
  • GEICO has discounts for military active duty, anti-lock brakes, membership and employees, air bags, and five-year accident-free.
  • American Family has savings for defensive driver, Steer into Savings, air bags, bundled insurance, TimeAway discount, and multi-vehicle.
  • Nationwide offers premium reductions for family plan, easy pay, good student, business or organization, and accident-free.
  • Progressive may offer discounts for good student, multi-policy, continuous coverage, online quote discount, multi-vehicle, and online signing.

If you are trying to find affordable car insurance quotes, ask each company what discounts are available to you. Depending on the company, some discounts may not apply everywhere. To see a list of insurance coverage companies offering insurance coverage discounts, click here.

Tailor your insurance coverage to you

When choosing the right insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

These are some specific questions can help discover if your insurance needs will benefit from professional help.

  • Do I need replacement cost coverage on my 2002 Saturn L-Series?
  • Why is insurance for a teen driver so high?
  • Can my teen driver be rated on a liability-only vehicle?
  • What companies insure drivers after a DUI or DWI?
  • Who is covered by my policy?
  • Do I need roadside assistance coverage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Can I get a multi-policy discount?
  • What if I don’t agree with a claim settlement offer?
  • What if I total my 2002 Saturn L-Series and owe more than it’s worth?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance policy specifics

Knowing the specifics of your auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Coverage for liability

Liability coverage will cover damage that occurs to a person or their property that is your fault. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like medical services, emergency aid, funeral expenses, loss of income and pain and suffering. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

UM/UIM Coverage

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, hitting a bird, damage from a tornado or hurricane, fire damage and vandalism. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for bills such as doctor visits, EMT expenses, nursing services and surgery. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Collision protection

Collision coverage covers damage to your L-Series from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as damaging your car on a curb, sustaining damage from a pot hole and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Coverage on a shoestring budget

When you buy car insurance online, don’t be tempted to reduce needed coverages to save money. In too many instances, someone dropped physical damage coverage and discovered at claim time that the small savings ended up costing them much more. Your goal is to purchase plenty of coverage at the best price but still have enough coverage for asset protection.

In this article, we presented a lot of information how to get a better price on 2002 Saturn L-Series insurance. The most important thing to understand is the more companies you get prices for, the higher the chance of saving money. Consumers may even find the best price on car insurance is with a smaller regional carrier.

Budget-friendly car insurance can be bought from both online companies as well as from insurance agents, and you need to price shop both so you have a total pricing picture. Some car insurance companies may not offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

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