Cheap 1992 Saturn S-Series Car Insurance Quotes

Searching for the cheapest insurance for your Saturn S-Series can normally be a painful process, but you can follow a few tricks to make it easier. There is a right way and a wrong way to shop for auto insurance so we’re going to tell you the quickest way to price shop coverage for a new or used Saturn and find the lowest price.

It’s a good idea to take a look at other company’s rates yearly since insurance rates are rarely the same from one policy term to another. Just because you had the best rates on S-Series insurance two years ago you will most likely find a better rate today. So ignore everything you know about auto insurance because you’re going to learn one of the quickest ways to remove unneeded coverages and save money.

If you have insurance now or need new coverage, you can use this information to get lower rates and still get good coverage. Buying the best protection is not that difficult. Drivers just need to learn the most efficient way to get comparison rates online.

The method we recommend to compare insurance rates in your area takes advantage of the fact most of the bigger providers allow for online access to give you rate quotes. The only thing you need to do is give them rating details including marital status, level of coverage desired, driver details, and how much school you completed. Your information is then submitted to multiple different insurance companies and they provide comparison quotes instantly to find the best rate.

These discounts can slash car insurance rates

Auto insurance companies do not list all available discounts very clearly, so here is a list both the well known as well as the least known car insurance savings. If you’re not getting every credit possible, you are paying more than you should be.

• Employee of Federal Government – Active or retired federal employment may qualify you for a discount on S-Series insurance depending on your company.
• College Student – Children who are attending college and do not have access to a covered vehicle can receive lower rates.
• Own a Home – Owning a home can help you save on car insurance because of the fact that having a home is proof that your finances are in order.
• Military Discounts – Having a family member in the military could be rewarded with lower premiums.
• Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
• Early Switch Discount – A few companies offer discounts for signing up prior to your current policy expiring. It’s a savings of about 10%.
• Defensive Driving Course – Taking part in a driver safety course could possibly earn you a 5% discount depending on where you live.

Keep in mind that most of the big mark downs will not be given to the entire cost. Some only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think you would end up receiving a 100% discount, it just doesn’t work that way.

For a list of insurance companies with discount car insurance rates, follow this link.

When might I need the advice of an agent?

When it comes to choosing coverage for your personal vehicles, there really is not a perfect coverage plan. Every situation is different.

For example, these questions can aid in determining if your insurance needs would benefit from an agent’s advice.

• Do I need replacement cost coverage on my 1992 Saturn S-Series?
• Does my policy pay for OEM or aftermarket parts?
• How much liability insurance is required?
• How can I force my company to pay a claim?
• Do I have coverage when making deliveries for my home business?
• Do I pay less if my vehicle is kept in my garage?
• Is a fancy paint job covered?
• Can I get a multi-policy discount?
• What is the rate difference between pleasure use and commuting?

If you don’t know the answers to these questions then you might want to talk to an agent. To find an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

Car insurance coverages 101

Having a good grasp of your policy can be of help when determining the right coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Saturn S-Series.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Collision – This coverage pays for damage to your S-Series caused by 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 insurance covers things like colliding with a tree, hitting a mailbox and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Liability coverages – This provides protection from injuries or damage you cause to a person or their property by causing an accident. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as court costs, legal defense fees, emergency aid, medical expenses and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive auto coverage – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, damage from flooding, hail damage, damage from getting keyed and theft. The most your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for bills like funeral costs, rehabilitation expenses and nursing services. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage