1998 Saturn S-Series Insurance Rates

Want lower car insurance rates for your Saturn S-Series? Wish you could get out of high-priced car insurance? Don’t feel bad because there are lots of people in the same boat.

Vehicle owners have so many car insurance companies to buy insurance from, and even though it’s nice to have a choice, it can be more difficult to compare company pricing.

The quickest way to compare rate quotes is to take advantage of the fact most insurance companies will pay a fee to compare rate quotes. The only thing you need to do is spend a couple of minutes providing details including if you have an active license, if it has an anti-theft system, coverage limits, and whether you are single or married. The data is instantly sent to multiple different insurance companies and you get price estimates almost instantly.

If you would like to start a quote now, click here and complete the quick form.

Discount auto insurance quotes

Auto insurance is not cheap nor is it fun to buy but there may be some discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you get a quote, but some must be specifically requested in order for you to get them.

• ABS Brakes – Cars and trucks with ABS braking systems or traction control can avoid accidents and the ABS can save up to 10%.
• Fewer Miles Equal More Savings – Fewer annual miles on your Saturn could earn substantially lower prices.
• Smart Student Discounts – This discount may save you up to 25%. This discount can apply well after school through age 25.
• Multi-policy Discount – If you combine your auto and home policies and place coverage with the same company you could earn a discount of approximately 10% to 15%.
• Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts may be able to save a few bucks off the medical payments premium.

As a footnote on discounts, most discounts do not apply to your bottom line cost. Most cut individual premiums such as comp or med pay. Just because you may think it’s possible to get free car insurance, companies wouldn’t make money that way.

For a list of auto insurance companies that offer discounts, click here.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different so your insurance needs to address that. For instance, these questions might point out if your insurance needs could use an agent’s help.

• Should I file a claim if it’s only slightly more than my deductible?
• Do I need more liability coverage?
• Where can I find DUI or SR-22 insurance?
• Will I be non-renewed for getting a DUI or other conviction?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Do I need replacement cost coverage?
• Why am I be forced to buy a membership to get insurance from some companies?
• Can I afford low physical damage deductibles?
• Am I covered by my spouse’s policy after a separation?
• Is there coverage for injuries to my pets?

If you’re not sure about those questions, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area.

Auto insurance coverages

Having a good grasp of insurance can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. These are the usual coverages found on most insurance policies.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as rock chips in glass, damage from flooding, damage from getting keyed and hitting a bird. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for immediate expenses such as funeral costs, ambulance fees, nursing services and X-ray expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Auto liability insurance

This provides protection from damage that occurs to other’s property or people that is your fault. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims such as repair costs for stationary objects, funeral expenses, attorney fees and legal defense fees. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Collision coverage protection

This coverage 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 the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as rolling your car, colliding with another moving vehicle, driving through your garage door and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.