Compare 1998 Saturn S-Series Insurance Rates

Trying to find the cheapest car insurance rates? Buyers have options when searching for low-cost Saturn S-Series insurance. You can either spend your time struggling with agents getting price quotes or leverage the internet to make rate comparisons.

There are both good and bad ways to buy car insurance so we’re going to tell you the best way to price shop coverage for a new or used Saturn and get the lowest possible price either online or from local insurance agents.

It’s a good habit to compare prices at least once a year because car insurance prices fluctuate regularly. If you had the best price on S-Series insurance at your last renewal there may be better deals available now. Block out anything you think you know about car insurance because you’re about to learn the fastest way to reduce your cost while increasing coverage.

Compare free auto insurance quotes

All major auto insurance companies like Progressive, Geico, Allstate and State Farm allow you to get prices on the web. Obtaining pricing is fairly straightforward as you just enter the coverages you want as detailed in the form. Once entered, their quoting system will obtain reports for credit and driving violations and returns pricing information based on the information you submitted.

Online price estimates makes it simple to compare prices but the time it takes to visit each company’s website and repetitively type in the same data is monotonous and tiresome. But it’s necessary to do this in order to find better prices.

A quicker way to locate the lowest prices uses one form that analyzes rates from many companies. It saves time, eliminates form submissions, and makes online price comparison a little more enjoyable. As soon as the form is sent, it gets priced and you are able to buy any of the resulting price quotes.

If you find a better price you can click and sign and purchase coverage. The whole process takes 15 minutes at the most and may result in a nice savings.

If you want to find out how much you’re overpaying now, click here to open in a new tab and input your coverage information. If you have your current policy handy, we recommend you duplicate the coverage information exactly as they are listed on your policy. Doing this assures you’re receiving an apples-to-apples comparison for similar insurance coverage.

Tailor your car insurance coverage to you

When it comes to choosing the best car insurance coverage for your vehicles, there is no perfect coverage plan. Every situation is different.

These are some specific questions may help you determine if your situation could use an agent’s help.

• What discounts do I qualify for?
• How high should my uninsured/underinsured coverage be in my state?
• I have good health insurance, so how much medical payments coverage do I need?
• Why do I need rental car insurance?
• Am I covered when using my vehicle for business?
• Is my teenager covered with friends in the car?
• Can my babysitter drive my car?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, free and you can get the answers you need.

Coverage specifics

Having a good grasp of your car insurance policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your 1998 Saturn S-Series.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive or Other Than Collision

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

Comprehensive can pay for things such as a broken windshield, vandalism, hitting a bird and hail damage. The most a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical costs insurance

Med pay and PIP coverage reimburse you for bills for things like X-ray expenses, pain medications, hospital visits and funeral costs. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision protection

This coverage covers damage to your S-Series caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like backing into a parked car, driving through your garage door and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Liability auto insurance

Liability coverage will cover damage that occurs to other’s property or people in an accident. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability can pay for claims like pain and suffering, repair costs for stationary objects, funeral expenses and court costs. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.