2001 Saturn L-Series Insurance Quotes – 5 Savings Tips

Confused by the number of car insurance company choices? Many other consumers are too. Drivers have so many options available that it can quickly become a big hassle to find the best price.

Car Insurance Prices

There are multiple methods you can shop for 2001 Saturn L-Series car insurance but there is one way that is less time-consuming than others. You could waste time driving to insurance agencies in your area, or you can utilize online quotes to get pricing more quickly.

The majority of car insurance companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and each participating company then returns a price quote based on that data. This saves time by eliminating form submissions for each company.

To access this free quoting program, click to open in new window.

The single downside to pricing coverage this way is buyers cannot specifically choose which carriers you want to price. So if you want to choose specific insurance companies to receive pricing from, we have a listing of the cheapest car insurance companies in your area. Click here to view list.

Whichever way you use, make sure you use apples-to-apples quote information for each price quote. If you have different deductibles it will be next to impossible to make an equal comparison. Having just a slight variation in insurance coverages may cause a big price difference. And when comparing car insurance rates, know that more quotes will enable you to find a lower rate.

Discounts are basically free money

Companies don’t always list all available discounts very clearly, so the following is a list of both well-publicized and the more hidden insurance coverage savings.

  • Multiple Vehicles – Buying coverage for multiple vehicles on the same insurance coverage policy qualifies for this discount.
  • E-sign – Some insurance companies give back up to $50 for buying a policy and signing up on their website.
  • Senior Citizens – Older drivers may receive a small decrease in premiums for L-Series insurance.
  • Save with a New Car – Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Service Members Pay Less – Being deployed with a military unit may qualify for rate reductions.

It’s important to note that most discount credits are not given to the entire cost. Most only cut the cost of specific coverages such as medical payments or collision. So when it seems like you can get free auto insurance, you won’t be that lucky.

Car insurance companies that may have some of the above discounts include:

Double check with all companies you are considering which discounts they offer. Savings may not be available everywhere.

Which insurance is the “right” coverage?

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

For example, these questions may help you determine if your situation would benefit from professional advice.

  • Should I buy additional glass protection?
  • Is my nanny covered when driving my vehicle?
  • Do I have any recourse if my insurance company denies a claim?
  • Will I lose any money if I cancel my policy before it expires?
  • Can I afford to pay high deductible claims out of pocket?
  • If my 2001 Saturn L-Series is totaled, can I afford another vehicle?
  • Am I covered when delivering products for my home-based business?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form.

Information about specific coverages

Understanding the coverages of car insurance can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring.

Comprehensive (Other than Collision)

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from getting keyed, a tree branch falling on your vehicle, fire damage and theft. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as dental work, surgery, funeral costs and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Saturn L-Series.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto liability insurance

This provides protection from damage or injury you incur to other’s property or people. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like medical services, loss of income and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Collision protection

Collision coverage will pay to fix damage to your L-Series resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as colliding with a tree, hitting a parking meter, sideswiping another vehicle, driving through your garage door and scraping a guard rail. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Shop Smart and Save

While you’re price shopping online, you should never buy poor coverage just to save money. There are many occasions where someone dropped uninsured motorist or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

You just learned many ideas to lower your 2001 Saturn L-Series insurance rates. It’s most important to understand that the more times you quote, the better chance you’ll have of finding lower rates. You may even discover the lowest rates come from a company that doesn’t do a lot of advertising.

Affordable insurance can be purchased online and also from your neighborhood agents, and you need to price shop both in order to have the best chance of saving money. Some companies may not provide online quoting and most of the time these small insurance companies sell through independent agents.

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