Cheap 1997 Saturn S-Series Car Insurance Rates

Comparison shopping for cheap insurance coverage is always kind of frustrating for drivers not familiar with comparing rates online. Consumers have so many choices that it can easily turn into a difficult mission to compare rates.

You should make it a habit to price shop coverage before your next renewal because rates change frequently. Even if you got the best premium rates on S-Series coverage last year a different company probably has better prices today. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to the tricks you need to know to save money, get proper deductibles and limits, all at the lowest rate.

Finding the best rates is easy if you know what you’re doing. In a nutshell, every driver who has to buy car insurance should be able to cut their insurance bill. Although vehicle owners can benefit from knowing the way companies determine prices.

Low cost auto insurance prices

When looking for inexpensive auto insurance quotes, there are a couple ways to compare quotes from many different insurance companies. The easiest way to lower the rate you pay for 1997 Saturn S-Series insurance is simply to get online rate quotes. This can be done in just a few minutes using one of these methods.

The fastest and easiest way consumers can analyze rates is a comparison rater form (click to open form in new window). This method prevents you from having to do separate quotes to each individual auto insurance company. Filling out one form gets you price quotes from all major companies.It’s the quickest way to get rates.

A less efficient way to compare rate quotes is spending the time to visit the website for each individual company and fill out a new quote form. For example, let’s assume you want to get rates from GEICO, State Farm and American Family. To get rate quotes you would need to go to every website and repeatedly type in your coverage information, which can be really labor intensive.

For a list of links to insurance companies in your area, click here.

The most difficult way to find cheaper rates is to spend your day driving to different agent offices. Shopping for auto insurance online makes this process obsolete unless you have a complicated situation and need the professional advice that can only be provided by a licensed insurance agent. It is possible with some companies obtain prices from the web but buy from a local insurance agent.

You can choose any of those ways to find more affodable coverage, but ensure you’re using nearly identical coverages with each company. If you compare different data it will be very difficult to make a fair rate comparison. Just slight variations in coverage limits can result in a big premium difference. Just remember that comparing a large number of companies helps improve the odds of finding the best price. Not every company does online rate quotes, so you also need to get price estimates from them, too.

Insurance coverage policy discounts

Insuring your vehicles can cost a lot, but there are discounts available that you may not know about. Certain discounts will be applied when you get a quote, but once in a while a discount must be manually applied in order for you to get them.

  • Defensive Driver – Participating in a course in driver safety is a good idea and can lower rates if your company offers it.
  • Anti-lock Brake System – Vehicles that have steering control and anti-lock brakes are much safer to drive and therefore earn up to a 10% discount.
  • Military Rewards – Having an actively deployed family member may lower your insurance coverage rates slightly.
  • Early Switch Discount – Some companies provide a discount for switching policies early. You may see this discount when you get auto insurance quotes online.
  • Onboard Data Collection – People who choose to allow companies to track where and when they drive by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if their driving habits are good.
  • Drivers Education – Cut your cost by having your teen driver participate in a local driver’s education class in high school.
  • Discount for New Cars – Insuring a new car can cost up to 25% less because new model year vehicles are generally safer.
  • Responsible Drivers – Safe drivers can save up to 40% or more on their auto insurance quote on S-Series coverage compared to rates paid by drivers with frequent claims.
  • Distant College Student Discount – Youth drivers who attend college more than 100 miles from home and leave their car at home may qualify for this discount.
  • Government Employees – Being employed by or retired from a federal job can save as much as 8% on S-Series coverage but check with your company.

Don’t be surprised that some of the credits will not apply to the entire policy premium. Most cut individual premiums such as collision or personal injury protection. Despite the fact that it seems like all those discounts means the company will pay you, it’s just not the way it works.

A partial list of companies that possibly offer these money-saving discounts include:

When quoting, ask every insurance company which discounts you may be entitled to. A few discounts may not apply to policies in your area. If you would like to see a list of insurers that offer multiple discounts, click here to view.

How do I know if I need professional advice?

When it comes to buying coverage, there isn’t really a “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that might point out whether your personal situation would benefit from an agent’s advice.

  • Do I need more liability coverage?
  • Are rental cars covered under my policy?
  • Does my 1997 Saturn S-Series qualify for pleasure use?
  • Should I get collision insurance on every vehicle?
  • Do I need replacement cost coverage on my 1997 Saturn S-Series?
  • Are my friends covered when driving my 1997 Saturn S-Series?
  • Does my policy cover me when driving someone else’s vehicle?
  • What is the minimum liability in my state?
  • Should I have a commercial auto policy?
  • Am I covered if I break a side mirror?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, complete this form.

Coverages available on your policy

Knowing the specifics of insurance can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Collision coverages – This pays for damage to your S-Series from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as hitting a mailbox, crashing into a building, damaging your car on a curb, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

UM/UIM Coverage – This coverage protects you and your vehicle 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 a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical costs insurance – Med pay and PIP coverage pay for immediate expenses like ambulance fees, pain medications, doctor visits, X-ray expenses and dental work. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverages – Liability coverage protects you from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

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 values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage pays for claims such as medical expenses, pain and suffering, legal defense fees, structural damage and emergency aid. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hitting a deer, vandalism, rock chips in glass, damage from flooding and falling objects. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Smart shoppers get results

We’ve covered a lot of information how to get a better price on 1997 Saturn S-Series insurance. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may even discover the lowest auto insurance rates are with a small mutual company.

Cheaper car insurance can be bought online and with local insurance agents, so get free auto insurance quotes from both of them to have the best chance of lowering rates. Some companies don’t offer online price quotes and many times these small insurance companies only sell coverage through local independent agents.

People change insurance companies for any number of reasons including denial of a claim, being labeled a high risk driver, high rates after DUI convictions and policy cancellation. It doesn’t matter what your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

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Comments About 1997 Saturn S-Series Insurance

  1. Yael Solis

    I’m in the south part of West Valley City, UT. Got car insurance quotes with GEICO, AAA, and Farmers for my S-Series and saved just over $60 a year.

  2. Jolynn Peters

    I compared a lot of rate quotes for a 1997 Saturn S-Series in Denver, CO. Ended up at about $70 every six months with Amica. I have a couple other vehicles on the policy. Not sure if rates are cheaper online or not. Liability only on my Saturn.

  3. Rosana Kline

    Cheap is not always the best policy. I live on the east side of Frederick, MD. I got free quotes from American Family, Sentry, and Western Auto Insurance for my Saturn and am saving around $80 a year. Next renewal I’ll just do liability.

  4. Kieth Oconnor

    Lifelong resident of Rutland, VT. Received quotes from Hartford, AAA, Nationwide, and a couple others for my 1997 Saturn S-Series and I think I saved about $20 each month. I think they have home insurance too.

  5. Jasper Roberson

    Great site. Located in Grand Rapids, MI. I quoted with MetLife, Encompass, Progressive, and AIG Insurance for my 1997 Saturn S-Series and am saving around $60 a year. Got better coverage too. You can get a rate quote online. I think I’ll get rid of full coverage next time.

  6. Erick Soto

    Here’s what I found out. I’m in the suburbs of Hilo, HI. I got free prices from Auto-Owners, Mercury, and some smaller one I can’t remember the name of for my Saturn and I think I cut my rates about $30 each month. Left Encompass to switch. Full coverage costs too much.

  7. Kathrin Pena

    If you have a good history and live near Salem, OR, check out Progressive. You might save some money. I just carry liability insurance.

  8. Chantel Roth

    In Montgomery, AL, Auto-Owners had the best rates for my 1997 Saturn S-Series. Got better coverage too. They have free quotes online.

  9. Alvera Cotton

    I’m looking for cheaper coverage. Live in Charlotte, NC. Quoted quotes with AIG Insurance, Sentry, and a few others for my Saturn and saved $91 a year. It never hurts to quote around.

  10. Jefferson Daniels

    In Shreveport, Louisiana, AIG Insurance had the best rates for my 1997 Saturn S-Series. Left Liberty Mutual to switch. I have a teen driver too. Liability only on my Saturn.

  11. Lakenya Potter

    Enjoyed the article. Live in Nampa, ID. Got free quotes online for a 1997 Saturn S-Series. Ended up at about $120 savings annually. Went with Progressive. Insured with Encompass before. Wish I didn’t have to insure at all.

  12. Queenie Cunningham

    Lots of useful info here. I live just outside Baton Rouge, Louisiana. I quoted with GEICO, Auto-Owners, and Esurance for my Saturn and I’m now saving $22 a month. I just carry liability insurance.

  13. Necole Parks

    Affordable car insurance is a myth. I’m in Norman, OK. Received quotes with 21st Century, Hartford, and Esurance for my Saturn and I think I cut my rates about $20 each month. Can still barely afford it.

  14. Clair Knight

    Thought I’d throw in my experience. Lifelong resident of Anchorage, Alaska. I compared lots of rates. Saved darn near $20 a month. Allstate was the cheapest option for me. Left The General to switch. Liability only on my Saturn.

  15. Jason Maynard

    Like your site, BTW. I live just to the west of Aberdeen, SD. Went online for free insurance quotes for a 1997 Saturn S-Series. Ended up at about $80 savings annually. Went with State Farm. I have kids on my policy, too. Not sure if rates are cheaper online or through an agent. It’s only liability tho.