Cheaper 1997 Saturn S-Series Insurance Quotes

Want the cheapest auto insurance rates? Drivers have options when trying to find low-cost Saturn S-Series insurance. You can either waste hours calling around to get rate comparisons or leverage the internet to find the lowest rates.

There are more efficient ways to find auto insurance online and you need to know the proper way to price shop coverage for your Saturn and get the cheapest rates from both online companies and local agents.

You should make it a habit to do price comparisons before your policy renews because auto insurance prices trend upward over time. Despite the fact that you may have had the lowest rates for S-Series coverage last year you will most likely find a better premium rate today. Forget anything you know (or think you know) about auto insurance because you’re about to learn one of the best ways to get good coverage at a lower rate.

How to get affordable insurance

All the larger insurance companies like Progressive, Allstate and GEICO allow consumers to get insurance quotes on their websites. Getting online rates is possible for anyone as you simply type in your personal and coverage information into the form. When the form is submitted, their system gets your driving record and credit report and returns pricing information based on these factors.

Online quotes makes it a lot easier to compare rates but the time it takes to visit multiple sites and fill out multiple forms is a big time waster. But it’s also necessary to have as many quotes as possible in order to get the best price on insurance.

A less time-consuming method to locate the lowest prices utilizes a single form that gets price quotes from several different companies. It saves time, requires less work, and makes rate comparisons much more efficient. Immediately after submitting the form, your coverage is rated and you can select any of the resulting price quotes.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the policy. This process takes just a few minutes to complete and can result in significant savings.

To save time and use this form to compare rates, simply click here to open in new window and submit the form. If you have your current policy handy, we recommend that you enter your coverages just like they are on your policy. This helps ensure you will get a price comparison for similar insurance coverage.

Verify you’re receiving every discount

Car insurance companies do not advertise the entire discount list in an easy-to-find place, so we researched some of the best known and also the lesser-known car insurance savings.

  • Low Mileage – Low annual miles can qualify you for cheaper rates.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle up could cut 10% or more off PIP or medical payments premium.
  • Bundle and Save – When you combine your auto and homeowners insurance with the same company you may earn approximately 10% to 15%.
  • Save over 55 – Seniors could receive better car insurance rates for S-Series coverage.
  • Accident Forgiveness – Not really a discount, but certain companies will forgive one accident before raising your premiums if you are claim-free before the accident.
  • Telematics Data Discounts – Drivers that enable their car insurance company to spy on driving habits by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates as long as the data is positive.
  • Federal Government Employee – Active or former government employment may qualify for a discount when you quote auto insurance for S-Series coverage with select insurance companies.
  • Switch and Save Discount – Some car insurance companies provide a discount for switching policies prior to the expiration date on your current policy. You could save around 10% when you buy auto insurance online.

Consumers should know that most discounts do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like comp or med pay. So when the math indicates you would end up receiving a 100% discount, companies wouldn’t make money that way. Any amount of discount will lower your policy premium.

A few popular companies and a partial list of their discounts are detailed below.

  • State Farm offers discounts for multiple autos, safe vehicle, passive restraint, student away at school, and Steer Clear safe driver discount.
  • American Family includes discounts for air bags, defensive driver, bundled insurance, Steer into Savings, mySafetyValet, and multi-vehicle.
  • AAA may have discounts that include multi-policy, anti-theft, education and occupation, good student, pay-in-full, and good driver.
  • GEICO offers discounts including driver training, defensive driver, air bags, military active duty, multi-policy, anti-lock brakes, and five-year accident-free.
  • Mercury Insurance discounts include professional/association, multi-policy, low natural disaster claims, age of vehicle, good driver, location of vehicle, and accident-free.
  • Farmers Insurance has savings for electronic funds transfer, homeowner, good student, multi-car, youthful driver, alternative fuel, and switch companies.
  • Progressive has discounts for online quote discount, continuous coverage, online signing, good student, homeowner, and multi-policy.

If you need affordable auto insurance quotes, ask every insurance company to give you their best rates. Some discounts listed above might not be offered on policies in your area. To choose providers that have a full spectrum of discounts, follow this link.

When should I discuss my situation with an agent?

When buying adequate coverage for your vehicles, there really is no perfect coverage plan. Everyone’s needs are different.

These are some specific questions may help you determine if you will benefit from professional help.

  • Is my Saturn S-Series covered if I use it for business?
  • How can I find cheaper teen driver insurance?
  • Is business property covered if stolen from my car?
  • What is medical payments coverage?
  • Does coverage extend to my business vehicle?
  • Is my ex-spouse still covered by my policy?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

How your S-Series insurance costs are determined

Lots of factors are considered when premium rates are determined. Most are fairly basic such as your driving history, but other factors are less apparent like where you live or your financial responsibility.A large part of saving on auto insurance is knowing some of the elements that help determine your auto insurance rates. When you understand what determines premiums, this empowers consumers to make smart changes that could help you find better auto insurance rates.

  • Keep claims to a minimum – Companies award most affordable rates to insureds who only file infrequent claims. If you are a frequent claim filer, you can look forward to either a policy non-renewal or much higher rates. Your car insurance is designed for larger claims.
  • Premiums drop with age – Older, more experienced drivers have been proven to be more responsible, are lower risk to insure and get fewer tickets.Drivers with little experience are known to be careless and easily distracted in a vehicle so they pay higher auto insurance rates.
  • Liability insurance limits are a factor – Your policy’s liability coverage is the coverage that protects you if you are determined to be liable for an accident. Your policy’s liability insurance provides for a legal defense which can cost a lot. Liability is cheap when compared with rates for comp and collision, so do not skimp.
  • Extra coverages are wasting money – There are a ton of additional extra coverages that may not really be needed when buying auto insurance. Coverage for things like rental car reimbursement, towing, and extra life insurance coverage may be costing you every month. They may seem like a good idea initially, but if you’ve never needed them in the past consider taking them off your policy.
  • Rates can drop if you have more than one policy – Most larger companies apply better rates to policyholders who consolidate policies with them such as combining an auto and homeowners policy. Even with this discount, it’s still a good idea to get quotes from other companies to help ensure you have the lowest rates.There is a good possibility that you can find better rates by buying auto insurance from a different company.

Car insurance coverages 101

Knowing the specifics of a car insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Liability auto insurance

Liability coverage can cover damages or injuries you inflict on a person or their property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things like attorney fees, repair bills for other people’s vehicles, emergency aid, pain and suffering and medical expenses. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for bills such as chiropractic care, hospital visits, X-ray expenses, nursing services and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Saturn S-Series.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these limits are identical to your policy’s liability coverage.

Collision coverage protection

Collision coverage will pay to fix damage to your S-Series from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like crashing into a building, sideswiping another vehicle, sustaining damage from a pot hole, colliding with a tree and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive car insurance

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like a tree branch falling on your vehicle, falling objects, a broken windshield, damage from a tornado or hurricane and hitting a deer. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Feed the piggy bank

When shopping online for auto insurance, don’t be tempted to sacrifice coverage to reduce premiums. There have been many situations where an accident victim reduced full coverage and found out when filing a claim that the small savings ended up costing them much more. Your goal should be to get the best coverage possible at an affordable rate while still protecting your assets.

In this article, we covered a lot of information how to compare 1997 Saturn S-Series insurance prices online. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the best price on auto insurance is with a smaller regional carrier.

Some insurance providers do not provide the ability to get quotes online smaller providers sell through local independent agencies. Discount 1997 Saturn S-Series insurance is attainable online in addition to many insurance agents, so compare prices from both to have the best chance of lowering rates.

Additional information can be found on the following sites: