How Much Does 1996 Saturn S-Series Insurance Cost?

Looking for the cheapest auto insurance rates for your Saturn S-Series? Are you burned out from not being able to scrape enough together to pay high auto insurance rates every month? Your situation is no different than many other drivers. Insurance companies such as Progressive, GEICO and Farmers Insurance all promote huge savings with catchy ads and it is difficult to see through the cute green geckos and mayhem and find the best price available.

You need to get comparison quotes periodically since insurance prices tend to go up over time. Despite the fact that you may have had the best deal on S-Series insurance at your last renewal there is a good chance you can find better premium rates now. Ignore everything you know about auto insurance because you’re about to learn the easiest way to reduce your cost while increasing coverage.

Cheap insurance coverage

Getting cheaper 1996 Saturn S-Series insurance coverage pricing is a great way to save money. You just have to take a couple of minutes comparing free insurance coverage quotes from some recommended companies. Rate comparisons can be done using one of these methods.

  1. Experts agree that the best way to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This quick form eliminates the need for repetitive form entry for every prospective company. One form gets you price quotes from all major companies.
  2. A more difficult way to analyze rates is going to each company website to request a price quote. For instance, we’ll pretend you want to compare rates from State Farm, Safeco and Progressive. To do that, you would have to go to every website and enter your policy data, which is not fast way to get rate quotes. To view a list of companies in your area, click here.
  3. The old school way of comparing rate quotes is actually driving to insurance agents’ offices. Comparing rates online has made agencies unnecessary unless you prefer the trained guidance of a licensed agent. It is possible with some companies obtain prices from the web but have a local agent actually write the policy.

You can choose any of those ways to find more affodable coverage, but be sure you’re using exactly the same quote data for every quote you compare. If your comparisons have different liability limits it’s impossible to truly determine the lowest rate.

These discounts can lower car insurance rates

Car insurance companies don’t list every disount available very well, so here is a list both well-publicized and the harder-to-find savings tricks you should be using when you buy insurance coverage online. If you aren’t receiving every discount you deserve, you are not getting the best rate possible.

  • More Vehicles More Savings – Drivers who insure more than one vehicle with the same car insurance company can get a discount for every vehicle.
  • Resident Student – Kids who live away from home at college and do not have access to a covered vehicle may be insured at a cheaper rate.
  • Online Discount – Some car insurance companies give back up to $50 shop insurance coverage online.
  • ABS and Traction Control Discounts – Vehicles equipped with ABS or steering control prevent accidents so companies give up to a 10% discount.
  • Responsible Driver Discounts – Accident-free drivers may receive a discount up to 45% on S-Series insurance than drivers with accident claims.
  • Discount for Life Insurance – Select insurance carriers reward you with a discounted premium rate on car insurance if you buy a life policy as well.
  • Multi-policy Discount – If you insure your home and vehicles and place coverage with the same company you may save as much as 10 to 15 percent.
  • Buy New and Save – Buying a new car instead of a used car is cheaper compared to insuring an older model.
  • Driver Safety – Completing a driver safety course may get you a small discount and easily pay for the cost of the class.
  • Early Switch Discount – Some car insurance companies reward drivers for switching companies prior to your current policy expiring. It can save you around 10%.

Drivers should understand that some credits don’t apply to the overall cost of the policy. Most cut specific coverage prices like collision or personal injury protection. So when it seems like all the discounts add up to a free policy, nobody gets a free ride.

A list of car insurance companies and a selection of discounts can be found below.

  • GEICO policyholders can earn discounts including daytime running lights, air bags, emergency military deployment, driver training, and membership and employees.
  • Travelers offers discounts including new car, student away at school, payment discounts, hybrid/electric vehicle, continuous insurance, early quote, and save driver.
  • Nationwide has savings for good student, easy pay, business or organization, family plan, anti-theft, accident-free, and Farm Bureau membership.
  • Farmers Insurance may offer discounts for alternative fuel, switch companies, good student, homeowner, and distant student.
  • Esurance offers discounts for anti-lock brakes, multi-car, renters, multi-policy, and homeowner.
  • State Farm offers premium reductions for good student, driver’s education, accident-free, Drive Safe & Save, defensive driving training, multiple autos, and safe vehicle.
  • Progressive discounts include multi-policy, continuous coverage, multi-vehicle, good student, homeowner, and online signing.
  • Mercury Insurance may have discounts that include accident-free, location of vehicle, good student, anti-theft, annual mileage, good driver, and multi-policy.

Check with each company which discounts you may be entitled to. Some of the earlier mentioned discounts might not be available to policyholders everywhere. To locate providers who offer discounts, click here to view.

Good decisions result in lower insurance premiums

Part of the insurance coverage buying process is learning some of the factors that help determine your insurance coverage rates. If you have a feel for what impacts premium levels, this empowers consumers to make smart changes that may reward you with much lower annual insurance costs. Many different elements are taken into consideration when you get your auto insurance bill. Some are pretty understandable like an MVR report, but others are less apparent such as whether you are married or your commute time.

Listed below are some of the things that factor into your rates.

  • Cheaper premiums with safer cars – Safe vehicles can get you lower premiums. Safer cars protect occupants better and fewer injuries means less money paid by your insurance company which can result in lower premiums.
  • Car plus home equals more savings – Most larger insurance coverage companies allow discounts to policyholders that purchase more than one policy, otherwise known as a multi-policy discount. This can amount to five, ten or even twenty percent. Even if you already get this discount, consumers should still get quotes from other companies to ensure the best deal. You may still save even more than the discount by buying from different companies
  • Your spouse saves you money – Being married may earn you lower rates on your policy. Having a spouse demonstrates that you tend to be more financially stable and it’s proven that drivers who are married file infrequent claims.
  • Your address can modify price – Having an address in areas with lower population is a positive aspect when insuring your vehicles. Fewer drivers means less chance of accidents as well as less vandalism and auto theft. People in densly populated areas have more auto accidents and more severe claims. More time commuting means higher likelihood of an accident.

When do I need an agent’s advice?

When it comes to choosing the best insurance coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions may help you determine if you could use an agent’s help.

  • Can my babysitter drive my car?
  • Where can I get insurance after a DUI in my state?
  • Do I need replacement cost coverage?
  • Will filing a claim cost me more?
  • Do I pay less for low miles?
  • Are there companies who specialize in insuring high-risk drivers?
  • Am I missing any policy discounts?
  • How do I file an SR-22 for a DUI in my state?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I have coverage when pulling a U-Haul trailer?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Detailed coverages of your car insurance policy

Understanding the coverages of your car insurance policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on the average car insurance policy.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like hospital visits, dental work, ambulance fees, pain medications and doctor visits. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for liability

Liability insurance can cover damage or injury you incur to a person or their property in an accident. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims such as emergency aid, structural damage and bail bonds. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like theft, a broken windshield and hail damage. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage protection

Collision coverage pays for damage to your S-Series caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sustaining damage from a pot hole, crashing into a building and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Smart consumers save more

There are still a few companies who may not have rate quotes online and these small insurance companies provide coverage only through independent insurance agencies. More affordable car insurance is possible online and also from your neighborhood agents, and you need to price shop both to have the best selection.

When getting insurance coverage quotes online, it’s very important that you do not reduce needed coverages to save money. There have been many situations where someone sacrificed liability limits or collision coverage to discover at claim time that it was a big mistake. Your objective should be to buy a smart amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

Additional detailed information can be read in these articles:

Comments About 1996 Saturn S-Series Insurance

  1. Belva Solomon

    Nice info. Lifelong resident of Hartford, Connecticut. Quoted quotes from Auto-Owners, Esurance, and Nationwide for my 1996 Saturn S-Series and I’m now saving $16 a month. Bought it from an online quote.

  2. Yessenia Mckenzie

    If you don’t have tickets and live near Rio Rancho, NM, check out State Farm. You might get cheaper rates. They offer free online rate quotes. I don’t have comp or collision coverage.

  3. Corrine Rosa

    I’ve had State Farm for years. I’m in New Haven, Connecticut.

  4. Dalia Stephenson

    I live just outside Spokane, Washington. I compared lots of rates. Saved darn near $30 a month. Progressive was the cheapest for me. I have several vehicles insured with them. Next renewal I’ll just do liability.

  5. Celia Franks

    Cheaper car insurance is a myth. Got a quote with USAA for my Saturn and cut my rates about $110 a year. Left AAA to switch. It’s only liability tho.

  6. Sheila Foster

    Anyone try to read their policy?

  7. Moses Snider

    Here’s my quote info. I live just to the east of Portland, OR. I quoted with State Farm, Auto-Owners, and Esurance for my S-Series and am saving around $110 a year. Liability only on my Saturn.

  8. Amiee Gardner

    I’m in the north part of Bismarck, ND. I got free rates from Auto-Owners, Safeco, and a few others for my S-Series and saved $120 a year. They have a lot of discounts available.

  9. Raphael Bullock

    I found affordable 1996 Saturn S-Series insurance from State Farm in Idaho Falls, Idaho.

  10. Eleanore Mathis

    From northwest of Boise, Idaho. I got free rates from MetLife, Farmers, Progressive, and AAA for my Saturn and saved just over $90 a year. Left Nationwide to switch. Just liability coverage since it’s getting old.