2008 Saturn Aura Hybrid Insurance Rates – 9 Discounts for Cheaper Quotes

Nobody looks forward to paying for auto insurance, especially knowing they are paying too much.

Many insurers compete for your hard-earned dollar, and it can be difficult to compare rates and get the best coverage at the lowest rate possible.

Get lower rates on 2008 Saturn Aura Hybrid insurance

Insurance can cost an arm and a leg, buy you may qualify for discounts that you may not even be aware of. A few discounts will automatically apply when you complete an application, but less common discounts must be manually applied before being credited.

Life Insurance Discount – Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
New Vehicle Savings – Putting insurance coverage on a new car is cheaper since new cars are generally safer.
Discount for Swiching Early – Some insurance companies reward drivers for switching policies prior to your current policy expiration. The savings is around 10%.
One Accident Forgiven – Some insurance companies permit an accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.
Drive Less and Save – Keeping the miles down on your Saturn could qualify for better rates on cars that stay parked.
Payment Discounts – If paying your policy premium upfront instead of paying each month you could save 5% or more.
Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
Accident Free – Drivers with accident-free driving histories can earn big discounts when compared with drivers who are more careless.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. A few only apply to specific coverage prices like comp or med pay. Just because it seems like all the discounts add up to a free policy, you won’t be that lucky. Any qualifying discounts will help reduce the amount you have to pay.

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

Check with each company how you can save money. All car insurance discounts may not apply in every state.

Do you really save 40% when you switch?

Companies like Allstate and Progressive constantly bombard you with ads in print and on television. All the ads say the same thing that you can save if you switch to their company. How can each company make almost identical claims?

Insurance companies have a certain “appetite” for the type of customer that makes them money. An example of a desirable insured might be over the age of 50, has no driving citations, and drives less than 10,000 miles a year. A propective insured who fits that profile is entitled to the best price and as a result will probably save when they switch companies.

Potential insureds who fall outside this ideal profile will be charged a more expensive rate which usually ends up with the driver buying from a lower-cost company. The ad wording is “customers who switch” not “everyone that quotes” save that kind of money. That’s why insurance companies can confidently advertise the way they do.

That is why drivers must quote coverage with many companies. It’s not possible to predict the company that will have the lowest Saturn Aura Hybrid insurance rates.

Tailor your coverage to you

When it comes to choosing the best auto insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover whether you would benefit from professional advice.

Do I pay less if my vehicle is kept in my garage?
Do I need added coverage for expensive stereo equipment?
How much liability do I need to cover my assets?
Am I covered if I crash into my own garage door?
Is my Saturn Aura Hybrid covered if I use it for business?
How can I force my company to pay a claim?
Does coverage extend to my business vehicle?

If it’s difficult to answer those questions then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Insurance coverage breakdown

Learning about specific coverages of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on most insurance policies.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Most of the time these limits are identical to your policy’s liability coverage.

Comprehensive coverage – This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from flooding, hitting a bird, rock chips in glass, a tree branch falling on your vehicle and a broken windshield. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like prosthetic devices, doctor visits, surgery, pain medications and hospital visits. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Liability car insurance – This will cover injuries or damage you cause to other people or property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as emergency aid, medical services, medical expenses and pain and suffering. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Collision coverages – This will pay to fix damage to your Aura Hybrid caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as crashing into a building, sideswiping another vehicle, driving through your garage door, hitting a mailbox and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Saving money makes a lot of cents

When shopping online for car insurance, make sure you don’t skimp on critical coverages to save a buck or two. In many instances, someone dropped liability coverage limits to discover at claim time that the small savings ended up costing them much more. Your goal should be to buy the best coverage you can find at the best price, not the least amount of coverage.

Cheap 2008 Saturn Aura Hybrid insurance is available on the web in addition to many insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers do not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.