1992 Saturn S-Series Insurance Cost – 6 Tips for Best Prices

Trying to find lower auto insurance rates for your Saturn S-Series? Are you regretting buying an underperforming, overpriced auto insurance policy? It’s a common feeling and many consumers are in the same pinch.

Lots of car insurance companies contend for your insurance dollar, and because of this it can be hard to compare insurance companies and get the best coverage at the best price available.

More affordable rates by applying these six discounts

Car insurance is not cheap, but you might already qualify for some discounts that could drop your premiums quite a bit. Some of these disounts will be visible when you get a quote, but a few must be asked about in order for you to get them. If you’re not getting every credit you qualify for, you could be getting lower rates.

  • No Claims – Good drivers with no accidents get the best car insurance rates as opposed to frequent claim filers.
  • Mature Driver Discount – Drivers that qualify as senior citizens could receive better car insurance rates for S-Series insurance.
  • Smart Student Discounts – Maintaining excellent grades can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • Defensive Driver Discounts – Taking a class that teaches defensive driving techniques could earn you a small percentage discount and easily pay for the cost of the class.
  • No Charge for an Accident – This one isn’t a discount, but some insurance companies allow you one accident without raising rates if your claims history is clear prior to being involved in the accident.
  • Data Collection Discounts – Insureds that choose to allow driving data collection to monitor when and where they use their vehicle by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if their driving habits are good.

Drivers should understand that most discount credits are not given the the whole policy. The majority will only reduce individual premiums such as medical payments or collision. So when it seems like adding up those discounts means a free policy, companies don’t profit that way. Any qualifying discounts should definitely cut the cost of your policy.

To find providers with significant discounts, click here.

Ways to get insurance coverage rate quotes

There are several ways of comparing price quotes from all the different companies. The easiest way by far to find competitive 1992 Saturn S-Series insurance rates consists of obtaining rate quotes online. It’s really quite simple and can be done in a couple minutes as outlined below.

  • The most efficient method to get quotes is an all-inclusive rate comparison like this one (opens in new window). This form eliminates the need for repetitive form entry for every prospective company. One simple form will return price quotes direct from many companies.
  • A less efficient way to compare prices is to manually visit each company’s website to request a price quote. For sake of this example, we’ll pretend you want to get rates from Auto-Owners, State Farm and Allstate. In order to compare rates, you need to navigate to each company’s site and punch in your information repeatedly, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

The method you choose is up to you, but double check that you are using the same coverages for each comparison quote. If each company quotes higher or lower deductibles it will be impossible to decipher which rate is best. Slightly different insurance coverages could throw off the whole comparison. Just keep in mind that comparing a wide range of rates increases your odds of finding the best rates. Some insurance companies are not set up to provide online rate quotes, so it’s recommended that you also compare price quotes on coverage from those companies, too.

Your car insurance coverage should be tailored to you

When it comes to choosing proper insurance coverage for your vehicles, there really is not a one size fits all plan. Every situation is different so this has to be addressed. These are some specific questions can aid in determining whether your personal situation might need an agent’s assistance.

  • Am I getting all the discounts available?
  • Why does it cost so much to insure a teen driver?
  • Do I pay less for low miles?
  • Can I still get insurance after a DUI?
  • How does medical payments coverage work?
  • Why do I need rental car insurance?
  • Why do I only qualify for high-risk insurance?
  • Do I need special endorsements for business use of my vehicle?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Car insurance specifics

Knowing the specifics of your policy can be of help when determining the right coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverages found on most car insurance policies.

Uninsured or underinsured coverage

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive protection

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like vandalism, hitting a deer, rock chips in glass, damage from a tornado or hurricane and theft. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses for prosthetic devices, doctor visits and dental work. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. It covers you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision coverage protection

This will pay to fix damage to your S-Series resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like colliding with a tree, crashing into a ditch, damaging your car on a curb, hitting a mailbox and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability insurance

This coverage protects you from damage that occurs to people or other property by causing an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage pays for claims such as structural damage, loss of income, pain and suffering, attorney fees and court costs. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Quote more. Save more.

When buying insurance coverage, make sure you don’t buy poor coverage just to save money. In too many instances, someone dropped liability coverage limits and discovered at claim time they didn’t purchase enough coverage. Your focus should be to purchase a proper amount of coverage for the lowest cost while still protecting your assets.

Some car insurance companies do not offer the ability to get quotes online and many times these smaller providers prefer to sell through local independent agents. Affordable 1992 Saturn S-Series insurance can be found on the web in addition to local insurance agencies, so compare prices from both so you have a total pricing picture.

More information can be read at these links:

Comments About 1992 Saturn S-Series Insurance

  1. Shanita Page

    Thanks for putting this site together. Located in Burlington, VT. Received quotes with USAA, American Family, The General, and MetLife for my Saturn and saved just over $110 a year. Was with Sentry. Only insure liability on my S-Series.

  2. Lonny Alford

    I got decent rates for a 1992 Saturn S-Series in Reno, NV. Ended up at right around $90 every six months with American Family. I even had a DUI years ago. Can still barely afford it.

  3. Ming Potter

    Will Allstate be cheaper if I raise deductibles?

  4. Shanda Faulkner

    For me, State Farm was by far the cheapest in Columbus, GA.

  5. Theodora Madden

    Will GEICO cancel my policy for a liability claim?

  6. Eugenio Robbins

    It all costs too much. Quoted with The General for my 1992 Saturn S-Series and am saving around $70 a year. Thankfully I’m not a high risk driver.

  7. Sharice Hill

    It’s all a rip off. Checking in from Aberdeen, SD. Compared quite a few companies. Saved darn near $30 a month. GEICO was the cheapest for me.

  8. Herman Delaney

    It all costs too much. I’m in the east part of Greensboro, NC. Can’t remember who all I quoted but I ended up saving about $30 each month. I just carry liability insurance.

  9. Charla Osborn

    I live just to the north of Warren, Michigan. I quoted with Auto-Owners, Nationwide, and a few others for my S-Series and saved $80 a year. Left 21st Century to switch. I quoted rates online then called them. I dropped full coverage awhile back.

  10. Ferne Edwards

    Not sure what I should be paying. From Columbus, OH. I don’t recall every quote but I ended up saving about $20 each month. Insured with Hanover before.

  11. Lucas Sutton

    From north side of Newark, DE. Compared rates from a lot of places. Saved right around $20 a month. Progressive was the cheapest for me. I get lower rates because of my clean driving record.

  12. Stephanie Bryant

    I think I’m paying too much. Lifelong resident of Saint Paul, MN. Can’t remember who all I quoted but I ended up saving about $20 each month. Good multi-policy discounts.

  13. Jeannie Blackburn

    Anyone buy from Auto-Owners? I’m in Saint Paul, MN.

  14. Malena Valenzuela

    Well-written and thought out article. I live in a small town just outside of Parkersburg, West Virginia. I quoted with Auto-Owners, Sentry, and some smaller one I can’t remember the name of for my 1992 Saturn S-Series and saved just over $70 a year. They have a lot of discounts available.

  15. Carlo Bond

    Lots of useful info here. I live north of Salem, Oregon. Compared quite a few companies. Saved right around $20 a month. GEICO was the most affordable for me. Wish I didn’t have to insure at all. Not worth enough to pay for comprehensive and collision.