1994 Saturn S-Series Car Insurance Quotes

Having to pay for overpriced auto insurance can take a big chunk out of your checking account and force you to make sacrifices. Comparing price quotes is a great way to reduce premiums and put more money in your pocket. Many insurers compete for your hard-earned dollar, so it can be very hard to choose a company and get the best coverage at the lowest rate possible.

Saturn S-Series insurance premiums are calculated by many factors

Consumers need to have an understanding of some of the elements that come into play when calculating insurance coverage rates. Understanding what influences your rates allows you to make educated decisions that could result in big savings.

The list below includes some of the items companies use to determine premiums.

  • Lower rates with optional equipment – Choosing a vehicle with a theft deterrent system can help bring down rates. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your vehicle from being stolen.
  • More than one policy can earn a discount – Many insurers will give a discount to policyholders who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be five, ten or even twenty percent. Even though this discount sounds good, it’s still a good idea to compare rates to make sure you are getting the best deal.
  • Little extras can really add up – There are quite a few add-on coverages that can waste your money if you aren’t careful. Coverages for vanishing deductibles, accident forgiveness and motor club memberships are some examples. These coverages may sound good at first, but if you don’t need them eliminate them to save money.
  • Your stress level may be raising your rates – Jobs such as doctors, executives and financial analysts have higher average rates due to stressful work requirements and long work days. Conversely, jobs such as actors, engineers and retirees get better rates on S-Series coverage.

The quickest method we recommend to get policy rate comparisons is to know the fact all the major auto insurance companies participate in a system to give free rates quotes. The one thing you need to do is provide the companies a bit of rating information including which vehicles you own, how much school you completed, your job, and how old drivers are. That rating data is submitted instantly to insurance carriers in your area and they return cost estimate quickly.

To find lower rates now, click here and enter the information requested.

Do you qualify for discounts?

Auto insurance companies don’t necessarily list all available discounts in an easy-to-find place, so the following is a list of both the well known and the harder-to-find ways to save on auto insurance. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • E-sign – Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
  • New Car Discount – Insuring a new car can be considerably cheaper due to better safety requirements for new cars.
  • Government Employees – Being employed by or retired from a federal job can save as much as 8% on S-Series coverage with certain companies.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
  • Accident Waiver – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • Student in College – Children who live away from home and do not have a car can be insured at a reduced rate.
  • Discount for Swiching Early – A few companies offer discounts for switching policies before your current expiration date. The savings is around 10%.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce specific coverage prices like medical payments or collision. Just because it seems like adding up those discounts means a free policy, auto insurance companies aren’t that generous.

A partial list of companies who might offer these money-saving discounts may include but are not limited to:

Double check with every prospective company what discounts are available to you. Discounts might not apply in your area.

Don’t assume everyone needs the same coverage

When it comes to choosing proper insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions may help highlight whether your personal situation will benefit from professional help.

  • Should I bundle my homeowners policy with my auto?
  • Do I need roadside assistance coverage?
  • How much can I save by bundling my policies?
  • What should my uninsured motorist coverage limits be in my state?
  • How do I file an SR-22 for a DUI in my state?
  • Can my teen drive my company car?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Car insurance policy coverages for a 1994 Saturn S-Series

Knowing the specifics of your policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average car insurance policy.

Coverage for medical expenses

Med pay and PIP coverage pay for short-term medical expenses for things like dental work, doctor visits and surgery. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive car insurance

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from flooding, hitting a deer, rock chips in glass, a broken windshield and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision protection

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as colliding with another moving vehicle, crashing into a building, crashing into a ditch and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability coverages

Liability insurance provides protection from damage that occurs to other people or property that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability insurance covers things like structural damage, repair bills for other people’s vehicles, bail bonds and funeral expenses. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Saturn S-Series.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Saving money makes a lot of cents

Cheaper 1994 Saturn S-Series insurance can be purchased online and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers may not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

As you go through the steps to switch your coverage, you should never reduce coverage to reduce premium. In too many instances, an accident victim reduced uninsured motorist or liability limits and found out when filing a claim they didn’t purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

To read more, feel free to visit these articles: