Compare 1993 Saturn S-Series Insurance Cost

Cutting costs on insurance coverage can be difficult for consumers not familiar with comparison shopping online. Consumers have so many options available that it can turn into more work than you anticipated to locate the lowest price.

Locating cheaper protection is easy if you know what you’re doing. In a nutshell, everyone who carries car insurance stands a good chance to be able to save money. Although car owners do need to learn the way companies price online insurance.

Save big with these discounts

Car insurance can cost a lot, but you can get discounts that can drop the cost substantially. A few discounts will automatically apply when you purchase, but a few need to be specially asked for prior to getting the savings.

  • Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • Distant Student – Kids in college who attend school more than 100 miles from home and don’t have a car can receive lower rates.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them before your current expiration date. The savings is around 10%.
  • Senior Discount – If you qualify as a senior citizen, you may be able to get better auto insurance rates on S-Series insurance.
  • Employee of Federal Government – Simply working for the federal government may qualify you for a discount on S-Series insurance depending on your company.
  • Drive Less and Save – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
  • Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance from them.
  • Seat Belts Save – Buckling up and requiring all passengers to use a seat belt can save 10% or more off your PIP or medical payments premium.

It’s important to note that some of the credits will not apply to the entire policy premium. Most only apply to specific coverage prices like liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, it just doesn’t work that way. But any discount will bring down the amount you have to pay.

For a list of providers with discount auto insurance rates, click here.

Free Auto Insurance Quotes

The are a couple different ways to compare rate quotes from local auto insurance companies. The easiest way to find competitive 1993 Saturn S-Series insurance rates is to use the internet to compare rates. This is very easy and can be done in several different ways.

  1. The recommended way to find low rates would be an industry-wide quote request form (click to open form in new window). This easy form eliminates the need for repetitive form submissions for each company. One form compares rates instantly. It’s definitely the quickest method.
  2. A different way to obtain and compare quotes online requires a visit to each individual company website and fill out their own quote form. For instance, we’ll assume you want comparison quotes from Liberty Mutual, Safeco and Farmers. To get rate quotes you would need to visit each site and enter your policy data, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  3. The hardest way of comparing rate quotes is driving to local insurance agencies. Shopping for auto insurance online can eliminate the need for a local agent unless you have a need for the professional advice of a local agent. It is possible to compare online quotes and get advice from an agent in your area. We’ll cover that shortly.

However you get your quotes, ensure you are comparing apples-to-apples coverage limits for every quote you compare. If you enter different values for each quote it will be next to impossible to decipher which rate is best. Quoting even small variations in insurance coverages may cause a big price difference. Just remember that more quotes helps you find lower pricing.

Saturn S-Series premiums are determined by many factors

Consumers need to have an understanding of the factors that play a part in calculating the price you pay for car insurance. Having a good understanding of what impacts premium levels allows you to make educated decisions that could result in big savings.

  • Low deductibles can be expensive – Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Saturn. A few examples of covered claims could be running into the backend of another car, vandalism, and windstorm damage. Your deductibles are how much you are willing to pay before a claim is paid by your company. The more expense you have to pay, the less your car insurance will be on S-Series insurance.
  • Rate your vehicle for proper use – Driving more miles in a year the more you’ll pay to insure your vehicle. Most insurance companies rate vehicles determined by how the vehicle is used. Cars and trucks left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Make sure your car insurance coverage is rated on the proper vehicle usage. Incorrect usage on your S-Series may be costing you.
  • Younger drivers pay higher rates – Teenage drivers tend to be careless and easily distracted behind the wheel so they pay higher car insurance rates. If you’ve ever had to add a teenage driver to your policy can break the bank. Older drivers are more cautious drivers, tend to file fewer claims and receive fewer citations.
  • Theft deterrents lower rates – Driving a car with a theft deterrent system can save you a little every year. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.
  • Small claims can cost you – Insurance companies provide better rates to policyholders who do not file claims often. If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Car insurance is designed for larger claims.
  • Men pay higher rates – Statistics have proven that men are more aggressive behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Women and men cause accidents at about the same rate, but the males tend to have more serious accidents. They also receive more costly citations such as reckless driving.
  • Where you live – Residing in a rural area can save you money when insuring your vehicles. Drivers in populated areas tend to have traffic congestion and much longer commute distances. Less people living in that area means a lower chance of having an accident as well as less vandalism and auto theft.

But I don’t know anything about car insurance

When it comes to buying the right insurance coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

For instance, these questions may help highlight whether your personal situation might need an agent’s assistance.

  • How does medical payments coverage work?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I have newly-aquired coverage?
  • Do I need motorclub coverage?
  • Can I afford low physical damage deductibles?
  • When should my teen driver be added to my policy?
  • Am I covered if hit by an uninsured driver?
  • Is my 1993 Saturn S-Series covered for smoke damage?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, complete this form.

Advertising myths

Auto insurance providers like Geico, State Farm and Progressive continually stream television and radio advertisements. They all say the same thing of big savings after switching your coverage to them. But how can every company claim to save you money? This is how they do it.

All companies can use profiling for the driver they prefer to insure. A good example of a driver they prefer might be over the age of 50, has no tickets, and has a short commute. Any new insured who matches those parameters receives the best rates and therefore will save quite a bit of money when switching.

Potential insureds who do not match the requirements must pay a higher premium and this can result in the driver buying from a lower-cost company. The ads state “customers who switch” not “people who quote” save money. That’s why companies can truthfully advertise the savings.

This illustrates why it is so important to compare many company’s rates. Because you never know which company will have the lowest Saturn S-Series insurance rates.

Auto insurance 101

Learning about specific coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. Auto insurance terms can be ambiguous and nobody wants to actually read their policy.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for expenses for hospital visits, prosthetic devices, nursing services, surgery and pain medications. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 1993 Saturn S-Series.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these coverages do not exceed the liability coverage limits.

Collision insurance

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like crashing into a building, rolling your car and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive protection

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like theft, damage from a tornado or hurricane, vandalism and hitting a deer. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability car insurance

This provides protection from damages or injuries you inflict on other people or property. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. 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. Some companies may use a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as court costs, medical expenses, funeral expenses, pain and suffering and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Make a quick buck

You just learned many tips how you can save on 1993 Saturn S-Series insurance. It’s most important to understand that the more companies you get rates for, the higher your chance of finding lower rates. Drivers may discover the lowest premiums are with an unexpected company.

Cheaper insurance can be sourced online as well as from independent agents, and you need to price shop both in order to have the best price selection to choose from. A few companies don’t offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

When you buy insurance online, you should never reduce coverage to reduce premium. In many cases, an insured cut liability limits or collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy a smart amount of coverage at the best price, not the least amount of coverage.

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