View 1991 Saturn S-Series Car Insurance Quotes

Looking for cheaper car insurance rates for your Saturn S-Series? If you are a novice to online car insurance shopping, by this point your are probably baffled insurance agents and companies competing for your business.

It’s a good habit to do price comparisons occasionally because insurance prices trend upward over time. Despite the fact that you may have had the best rates for S-Series coverage a few years ago a different company probably has better rate quotes today. Ignore everything you know about car insurance because we’re going to demonstrate the proper way to buy cheaper car insurance.

Free insurance price quotes

When comparison shopping, there are several ways to obtain and compare prices from many different insurance companies. The easiest way by far to lower the rate you pay for 1991 Saturn S-Series insurance consists of obtaining rate quotes online. This can be done in several different ways.

1. The easiest and least time consuming way to get quotes for comparison is an all-inclusive rate comparison click here to open form in new window. This type of form eliminates the need for multiple quote forms for every company. Completing one form gets rate comparisons from many national carriers. It’s definitely the quickest method.
2. A less efficient way to get quotes online requires you to visit the website of each company to complete a price quote. For instance, let’s say you want to view quotes from Auto-Owners, State Farm and Allstate. To get rate quotes you would need to navigate to each company’s site to enter the same coverage data repeatedly, which can take a lot of time.

   For a handy list of car insurance company links in your area, click here.

3. Even if you have time, the least recommended method of comparing rate quotes is to spend time driving to each insurance agency near you. Quoting online eliminates this option unless you prefer the advice and guidance of a licensed agent. You can, however, comparison shop your insurance online and still use a local agent.

Whichever method you choose, make sure you are using the exact same coverage limits on every quote you get. If you are comparing higher or lower deductibles you will not be able to determine which rate is truly the best. Just slight variations in insurance coverages may cause a big price difference. Keep in mind that more quotes helps improve the odds of finding the best rates. Not every company provides quotes online, so you need to compare quotes from them, too.

Don’t overlook these auto insurance discounts

Insurance can be prohibitively expensive, but you may find discounts that may help make it more affordable. Most are applied when you get a quote, but some may not be applied and must be inquired about prior to receiving the credit.

• Full Payment Discount – If you pay your bill all at once rather than paying monthly you could save 5% or more.
• Resident Student – Children who are attending college without a vehicle on campus can receive lower rates.
• Good Students Pay Less – This discount may save you up to 25%. Most companies allow this discount up until you turn 25.
• Early Signing – A few larger companies allow discounts for buying a new policy prior to your current policy expiration. This discount can save up to 10%.
• Homeowners Discount – Owning your own home or condo can help you save on auto insurance due to the fact that maintaining a home requires personal responsibility.
• Accident Forgiveness Coverage – Not really a discount, but a few companies such as State Farm and Allstate permit an accident before your rates go up with the catch being you have to be claim-free for a set time period.
• Multiple Cars – Purchasing coverage when you have all your vehicles on a single policy could earn a price break for each car.
• Driver Training Discounts – Taking time to complete a safe driver course may get you a small discount and make you a better driver.

Keep in mind that some credits don’t apply to the entire cost. Some only apply to specific coverage prices like comprehensive or collision. If you do the math and it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

To locate companies that provide some of the discounts listed above, click here.

When to get professional advice

When it comes to choosing the best auto insurance coverage, there really is no cookie cutter policy. Every situation is different.

For instance, these questions can aid in determining if your insurance needs would benefit from professional advice.

• When should I not file a claim?
• Does liability extend to a camper or trailer?
• Do I need added coverage for expensive stereo equipment?
• Do I need replacement cost coverage?
• If my 1991 Saturn S-Series is totaled, can I afford another vehicle?
• How can I get my company to pay me more for my totalled car?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form.

What affects Saturn S-Series insurance prices?

An important part of buying insurance is that you know some of the factors that help determine your insurance coverage rates. When you know what positively or negatively positively or negatively impacts your premiums, this allows you to make educated decisions that will entitle you to much lower annual insurance costs. Many different elements are considered when you quote your car insurance policy. Some factors are common sense like an MVR report, although others are not as apparent such as your credit history or your financial responsibility.

Listed below are a partial list of the pieces insurance coverage companies consider when setting prices.

• Your spouse saves you money – Walking down the aisle may earn you lower rates when shopping for insurance coverage. It translates into being more responsible it has been statistically shown that being married results in fewer claims.
• Careless drivers pay higher prices – Drivers who don’t get tickets pay lower auto insurance prices than people who have multiple driving citations. Just one citation can bump up the cost forty percent or more. Drivers unfortunate enough to have multiple violations such as hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 form with their state’s licensing department in order to legally drive.
• Never go without insurance coverage – Driving without insurance coverage in place is not a good idea and any future policy may cost more because you let your insurance lapse for non-payment. Not only will you pay more, getting caught without coverage could result in fines or a revoked license. You may then be required to prove you have insurance by filing a SR-22 with your state motor vehicle department.
• Better credit means lower premiums – Credit history can be a huge factor in determining premium rates. If your credit history leaves room for improvement, you could be paying less to insure your 1991 Saturn S-Series by improving your rating. Insureds with excellent credit scores tend to be better drivers and file fewer claims than those with worse credit.
• Add-on coverages are wasting money – There are quite a few extra bells and whistles that you can get tricked into buying on your insurance coverage policy. Coverage for things like replacement cost coverage, accidental death, and motor club memberships may be wasting your money. These may sound like a good investment initially, but if they’re wasting money get rid of them and save.
• Age of drivers impacts prices – Youthful drivers are statistically proven to be less responsible when at the wheel of a vehicle and because of this, their insurance coverage rates are much higher. Older drivers are shown to be more cautious, file fewer claims and are safer drivers.
• No claims equals cheap insurance coverage rates – Insurance companies provide cheaper rates to drivers who do not rely on their insurance for small claims. If you are the type of insured that files lots of claims you can expect either higher rates or even cancellation. Your insurance policy is meant to be used in the event of claims that you cannot pay yourself.

Car insurance coverage specifics

Having a good grasp of car insurance can help you determine the right coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement.

Liability coverage – This coverage can cover damage or injury you incur to a person or their property. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as loss of income, medical services, repair bills for other people’s vehicles, emergency aid and funeral expenses. How much coverage you buy is your choice, but consider buying as much as you can afford.

Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for expenses such as rehabilitation expenses, X-ray expenses and EMT expenses. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage – This will pay to fix damage to your S-Series resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as colliding with another moving vehicle, damaging your car on a curb and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive (Other than Collision) – This covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like vandalism, damage from flooding, a tree branch falling on your vehicle and falling objects. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Saturn S-Series.

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. So UM/UIM coverage is important protection for you and your family.

Save for a rainy day

In this article, we covered a lot of tips how to compare 1991 Saturn S-Series insurance prices online. The key thing to remember is the more times you quote, the better chance you’ll have of finding low cost insurance. You may be surprised to find that the lowest prices are with a small mutual company.

Drivers switch companies for any number of reasons including an unsatisfactory settlement offer, delays in responding to claim requests, unfair underwriting practices or questionable increases in premium. No matter why you want to switch, finding a great new company is less work than it seems.

Budget-friendly insurance can be bought on the web as well as from independent agents, so you need to quote insurance with both in order to have the best chance of saving money. Some companies may not offer online price quotes and most of the time these smaller companies only sell coverage through local independent agencies.

To read more, feel free to browse these articles:

• Understanding Limits and Deductibles (Allstate)
• Rollover Crash FAQ (iihs.org)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Vehicle Safety Ratings (iihs.org)
• What Does No-Fault Insurance Cover? (Allstate)