1995 Saturn S-Series Insurance Quotes

Trying to find lower insurance coverage rates for your Saturn S-Series? When shopping for cheaper insurance, are you confused by the crazy number of insurance coverage sources? Many other drivers are as well. People have so many sources available that it can easily become a ton of work to find better rates.

This article will let you in on how car insurance quotes work and some tricks to saving. If you currently have car insurance, you should be able to save some money using these techniques. Although vehicle owners must learn the way companies market on the web.

These discounts can lower your car insurance quotes

Car insurance companies don’t list every possible discount in an easy-to-find place, so we break down some of the more common and the more hidden discounts that may be available.

  • Military Deployment Discount – Having an actively deployed family member could be rewarded with lower premium rates.
  • Driver Safety – Taking part in a course that instructs on driving safety could earn you a small percentage discount if you qualify.
  • Discounts for Responsible Drivers – Drivers who avoid accidents can pay as much as 50% less on S-Series insurance than drivers with accidents.
  • Auto/Life Discount – Some car insurance companies give lower prices if you buy a life policy as well.
  • Smart Student Discounts – Being a good student may save you up to 25%. The good student discount can last up to age 25.
  • Federal Employees – Simply working for the federal government could cut as much as 10% off on S-Series insurance depending on your car insurance provider.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
  • No Claim Discounts – Insureds with no claims or accidents can save substantially in comparison with drivers who are more careless.
  • Waiver for an Accident – This one isn’t a discount, but a few companies such as State Farm and Allstate allow you one accident without raising rates so long as you are claim-free prior to being involved in the accident.
  • Senior Citizen Rates – Older drivers are able to get a small decrease in premiums on S-Series insurance.

Just know that most discounts do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, you aren’t that lucky.

To view providers that offer some of these discounts, click here to view.

Different people need different car insurance coverages

When choosing coverage for your personal vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine whether your personal situation would benefit from an agent’s advice.

  • Am I getting all the discounts available?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • When should I remove comp and collision on my 1995 Saturn S-Series?
  • Do I have newly-aquired coverage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • When would I need rental car insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form.

Are car insurance companies telling the truth?

Respected companies like Allstate and Progressive consistently run ads on television and other media. All the companies say the same thing about savings if you move your car insurance coverage to their company. How does every car insurance company lower your rates? It’s all in the numbers.

Car insurance companies offer their best rates for the type of insured they prefer to insure. An example of this type of driver might be described as a married male, carries high limits, and does not commute to work. Any customer that fits those parameters will qualify for the lowest rates and as a result will probably save money with a new company.

Potential insureds who cannot meet those standards may be required to pay a higher rate and the driver buying from a lower-cost company. The ad wording is “people that switch” but not “all drivers who get quotes” save money. That’s why companies can advertise the way they do.

Because of this risk profiling, drivers must get price quotes at each policy renewal. It is impossible to predict which company will have better prices than you’re paying now.

Detailed coverages of your insurance policy

Understanding the coverages of your insurance policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Collision – This will pay to fix damage to your S-Series resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as sideswiping another vehicle, damaging your car on a curb, driving through your garage door and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like pain medications, dental work, X-ray expenses, ambulance fees and chiropractic care. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive (Other than Collision) – This will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from getting keyed, a tree branch falling on your vehicle, vandalism and fire damage. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability insurance – This protects you from injuries or damage you cause to other people or property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as repair costs for stationary objects, funeral expenses, court costs and structural damage. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your Saturn S-Series.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Frequently these coverages do not exceed the liability coverage limits.

Saving money makes a lot of cents

Consumers leave their current company for many reasons like questionable increases in premium, delays in paying claims, an unsatisfactory settlement offer or high prices. Regardless of your reason, choosing a new company can be less work than you think.

Some insurance companies do not offer price quotes online regional insurance providers work with local independent agents. Low-cost 1995 Saturn S-Series insurance is definitely available both online as well as from independent agents, so you should compare both in order to have the best price selection to choose from.

We just presented many ideas to shop for 1995 Saturn S-Series insurance online. The key concept to understand is the more quotes you get, the better your comparison will be. Consumers may even find the lowest auto insurance rates come from the smaller companies.

To read more, feel free to visit the following helpful articles:

Comments About 1995 Saturn S-Series Insurance

  1. Roberto Mcleod

    Hope my rates come down. I’m in the east part of Raleigh, North Carolina. I don’t recall every quote but I ended up saving about $10 each month. Even increased coverage a bit. My S-Series doesn’t have full coverage.

  2. Kirstin Durham

    Affordable car insurance is a myth. From a town just southwest of South Burlington, VT. Not sure of all the companies but I ended up saving about $10 each month.

  3. Evelia Hardin

    I live in Nashville, TN. Quoted quotes from AAA, Sentry, and Travelers for my Saturn and cut my rates about $100 a year. I get multi-vehicle and multi-policy discounts. Not sure if rates are cheaper online or through an agent. Not worth enough to pay for comprehensive and collision.

  4. Adella Keith

    I got decent rates for a 1995 Saturn S-Series in Pittsburgh, PA. Ended up at darn near $100 every six months with AAA. Insured with Nationwide before. Teenage drivers are expensive! I don’t insure for physical damage though.

  5. Vertie Contreras

    Corporate greed I’m telling you. I’m in the north part of Columbus, OH. Got prices from AAA, Mercury, and some smaller one I can’t remember the name of for my Saturn and I think I saved around $30 each month.

  6. Sona Lynn

    I’m in Philadelphia, PA. Got car insurance quotes with 21st Century, Auto-Owners, and some I forget for my 1995 Saturn S-Series and saved $72 a year. Still almost need a second mortgage. I don’t have comp or collision coverage.

  7. Kent Bryant

    I live on the south side of Aurora, CO. I got free quotes with American Family, Nationwide, and a few others for my Saturn and saved just over $60 a year. They have a lot of discounts available. I just carry liability insurance.

  8. Kent Pollard

    This is too expensive. I’m in the south part of Jacksonville, FL. Don’t remember every company but I ended up saving about $20 each month. Good multi-policy discounts. Not sure if rates are cheaper online or not.

  9. Colette Mcfadden

    When do I drop full coverage?

  10. Virgie Wells

    Corporate greed I’m telling you. From north side of Madison, Wisconsin. Checked online prices for a 1995 Saturn S-Series. Ended up at about $70 savings annually. Went with Progressive. I have a teen driver too. Only insure liability on my S-Series.

  11. Theresia Shannon

    Any companies in Hartford, Connecticut that will insure a DUI?

  12. Rosanna Case

    I’m in Hilo, HI. Can’t remember who all I quoted but I ended up saving about $30 each month. Insured with AIG Insurance before. Might find lower rates online. Just liability coverage since it’s getting old.

  13. Gracia Kramer

    Located in Idaho Falls, Idaho. Quoted with Auto-Owners, MetLife, and Travelers for my 1995 Saturn S-Series and saved $90 a year. Was with 21st Century. I get lower rates because of my clean driving record. Highly recommended.

  14. Agustin Tyler

    Does Delaware have minimum liability laws?

  15. Torrie Irwin

    I found affordable 1995 Saturn S-Series insurance from Progressive in South Burlington, Vermont.