Cheaper 2000 Saturn S-Series Car Insurance Cost

Trying to find cheaper auto insurance rates for your Saturn S-Series? Nobody likes having to buy auto insurance, in particular when the price is too high.

Drivers have multiple insurers to buy insurance from, and though it is a good thing to have multiple companies, lots of choices makes it harder to compare rates and find the lowest cost auto insurance.

It’s a great practice to get comparison quotes on a regular basis because insurance rates are adjusted regularly by insurance companies. Even if you got the best rates for S-Series coverage last year you can probably find a lower rate today. Forget all the misinformation about auto insurance because you’re about to find out the best way to lower your rates without sacrificing coverage.

Verify you’re getting all your discounts

Car insurance can cost a lot, but discounts can save money and there are some available to cut the cost considerably. Larger premium reductions will be automatically applied when you complete an application, but a few must be asked for before you will receive the discount.

  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
  • Military Discounts – Having a deployed family member can result in better rates.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy qualifies for this discount.
  • College Student – Youth drivers living away from home attending college and don’t have a car may be able to be covered for less.
  • No Accidents – Claim-free drivers can earn big discounts as compared to bad drivers.
  • Defensive Driver – Completing a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • Good Student – Getting good grades can get you a discount of up to 25%. The discount lasts well after school through age 25.

It’s important to understand that many deductions do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, companies don’t profit that way. Any qualifying discounts will help reduce your premiums.

Companies that possibly offer these benefits may include but are not limited to:

It’s a good idea to ask every prospective company which discounts you may be entitled to. Discounts may not apply in every state.

Cheap Insurance Coverage Comparisons

When shopping for insurance coverage there are multiple ways to compare quotes from different insurance companies. By far the easiest way to compare 2000 Saturn S-Series insurance prices is to get quotes online. This can be accomplished in just a few minutes using one of these methods.

The fastest way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This easy form prevents you from having to do separate quotation requests to each individual insurance coverage company. Just one form will get you price quotes instantly.

A more difficult way to compare rate quotes requires a visit to each individual company website and fill out their own quote form. For sake of this example, we’ll pretend you want rates from Nationwide, Progressive and GMAC. You would have to take the time to go to each site and enter your information, and that’s why the first method is more popular. To view a list of companies in your area, click here.

The least recommended way to get comparison rates is driving to local insurance agencies. The internet eliminates the need for an insurance agent unless you require the professional guidance only provided by licensed agents. It is possible to get the lowest quotes online but still have the advice of a local agent.

It doesn’t matter which method you choose, just double check that you are using apples-to-apples coverage information for each comparison quote. If you have unequal deductibles or liability limits it will be next to impossible to determine the best price for your Saturn S-Series. Just a small difference in insurance coverages can make a big difference in price. And when comparison shopping, more quotes helps you find lower pricing.

When should I talk to an agent?

When it comes to choosing the best auto insurance coverage for your vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions may help you determine if you might need professional guidance.

  • Do I need PIP coverage since I have good health insurance?
  • Is my custom paint covered by insurance?
  • When should I drop full coverage on my 2000 Saturn S-Series?
  • Am I missing any policy discounts?
  • Am I covered when pulling a rental trailer?
  • What is an SR-22 filing?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered if I hit a deer?
  • Is pleasure use cheaper than using my 2000 Saturn S-Series to commute?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Specifics of your insurance policy

Learning about specific coverages of your policy can help you determine appropriate coverage for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy. These are the usual coverages available from insurance companies.

Comprehensive protection

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as fire damage, damage from a tornado or hurricane and damage from getting keyed. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverage

Liability coverage can cover damage or injury you incur to people or other property by causing an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like legal defense fees, emergency aid, repair bills for other people’s vehicles, loss of income and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills such as X-ray expenses, surgery, ambulance fees, rehabilitation expenses and hospital visits. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Coverage for collisions

Collision insurance pays for damage to your S-Series caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like sideswiping another vehicle, damaging your car on a curb, scraping a guard rail and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Final thoughts

We covered quite a bit of information on how to shop for 2000 Saturn S-Series insurance online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. Drivers may discover the biggest savings come from the least-expected company. These companies may have significantly lower rates on certain market segments than their larger competitors like State Farm or Progressive.

Affordable insurance is attainable from both online companies and with local insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies do not offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

More information can be found at the links below