Save on 1999 Saturn S-Series Insurance Quotes

No one in their right mind likes buying auto insurance, especially when they know they could find better rates elsewhere. You have multiple auto insurance companies to choose from, and though it is a good thing to be able to choose, more options can take longer to compare rates and cut insurance costs.

Affordable insurance quotes online

Reducing your 1999 Saturn S-Series insurance rates is not rocket science. Just spend a few minutes on the computer to get quotes to find out which insurance company has affordable car insurance quotes. This can be done by following the guidelines below.

The fastest way consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This form saves time by eliminating repetitive form entry for each price estimate. One simple form will return price quotes from insurance companies with the best prices.

A harder way to obtain and compare quotes online is to manually visit the website for each individual company to request a price quote. For examples sake, we’ll pretend you want to view quotes from Liberty Mutual, Progressive and GMAC. To find out each rate you need to spend time going to each site individually and enter your policy data, which is why most consumers use the first method.

To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just compare identical quote information for each price quote. If you are comparing higher or lower deductibles you will not be able to truly determine the lowest rate.

Lower rates by qualifying for discounts

Car insurance is not inexpensive, but you may be missing some discounts that can dramatically reduce your bill. Larger premium reductions will be automatically applied at the time you complete a quote, but a few must be specially asked for prior to getting the savings.

• 55 and Retired – If you qualify as a senior citizen, you may qualify for lower premium rates on S-Series coverage.
• Responsible Driver Discount – Drivers who avoid accidents may save up to 50% more on S-Series coverage compared to rates paid by drivers with frequent claims.
• Auto/Home Discount – If you combine your home and auto policies and place coverage with the same company you will save over 10 percent off each policy depending on the company.
• Accident Forgiveness Coverage – This one isn’t a discount, but some insurance companies may permit one accident without getting socked with a rate hike as long as you don’t have any claims for a certain period of time.
• Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education in high school.
• Claim Free – Claim-free drivers pay much less compared to drivers with a long claim history.

As a footnote on discounts, most discount credits are not given to the entire cost. Most only apply to specific coverage prices like medical payments or collision. Despite the fact that it seems like it’s possible to get free car insurance, it just doesn’t work that way.

A list of car insurance companies and a partial list of their discounts are:

• State Farm offers premium reductions for anti-theft, driver’s education, multiple policy, student away at school, defensive driving training, and accident-free.
• Esurance offers discounts for renters, emergency road assistance, safety device, multi-policy, online quote, and online shopper.
• Progressive offers discounts including online signing, multi-policy, multi-vehicle, continuous coverage, online quote discount, good student, and homeowner.
• Liberty Mutual policyholders can earn discounts including good student, safety features, teen driver discount, new vehicle discount, hybrid vehicle, and preferred payment discount.
• Auto-Owners Insurance has discounts for multiple vehicles, safe vehicle, teen driver, air bags, and company car.
• Geico may offer discounts for good student, driver training, membership and employees, multi-vehicle, and federal employee.

When getting a coverage quote, ask all companies you are considering which discounts you qualify for. Some discounts might not be offered in your area.

Car insurance is unique, just like you

When it comes to buying the best car insurance coverage, there really is no perfect coverage plan. Each situation is unique so your insurance should reflect that For instance, these questions could help you determine whether or not you might need professional guidance.

• Can I rent a car in Mexico?
• Does coverage extend to Mexico or Canada?
• When does my teenage driver need to be added to my policy?
• I don’t drive much so do I pay less?
• Can I afford to pay high deductible claims out of pocket?
• Does my car insurance cover rental cars?
• Are my tools covered if they get stolen from my vehicle?

If you can’t answer these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

How car insurance companies calculate Saturn S-Series insurance premiums

Many things are part of the calculation when you quote your car insurance policy. Most are fairly basic like an MVR report, but some are more transparent such as your credit history or your commute time.

The list below includes some of the factors insurance companies consider when setting your rates.

• Extra coverages push up rates – There are a ton of add-on coverages that sound like a good idea at the time on your insurance policy. Add-on coverages like coverage for rental cars, towing coverage, and motor club memberships may be costing you every month. The coverages may be enticing when talking to your agent, but your money might be better spent on other coverage so remove them and pocket the money.
• Better prices on safer cars – Vehicles with high crash test scores tend to be cheaper to insure. Highly rated vehicles have better occupant injury protection and fewer serious injuries means less claims paid and more competitive rates for policyholders.
• Accidents drive up premiums – A bad driving record has a big impact on rates. Drivers with clean records tend to pay less for car insurance compared to drivers with tickets. Only having one citation can bump up the cost by as much as thirty percent. Drivers unfortunate enough to have serious violations like reckless driving or DUI may need to maintain a SR-22 to the state department of motor vehicles in order to keep their license.
• Bundle policies and save – Many insurance companies give lower prices to clients who consolidate policies with them such as combining an auto and homeowners policy. Discounts can amount to as much as ten percent or more Even with this discount applied, it’s in your best interest to check prices from other companies to ensure the best deal. You may still be able to save money by buying insurance from a different company.
• Bump up deductibles to lower rates – Comp and collision deductibles define how much you are willing to pay out-of-pocket if a claim is determined to be covered. Protection for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of some claims that would be covered are a windshield broken by a bird, vandalism, or theft of your vehicle. The more damage repair cost you’re willing to pay, the less money you will pay for insurance on S-Series coverage.
• Vehicle features impact prices – Choosing to buy a car with a theft deterrent system can get you a discount on your insurance. Advanced theft deterrents like OnStar, LoJack tracking, and tamper alarms all hinder auto theft and help lower rates.

Truth in auto insurance advertising

Consumers can’t get away from all the ads that claim the cheapest premium rates from companies such as State Farm, Geico and Progressive. All the companies have a common claim that drivers will save a bundle just by moving to them.

How do they all say the same thing? Here is the trick they use.

Insurance companies have underwriting criteria for the type of driver that earns them the highest profit. One example of a desirable risk may need to be between 30 and 50, has other policies, and drives a car with an anti-theft system. A propective insured who meets those qualifications will get a cheap rate quote and as a result will probably save a lot if they switch.

Potential customers who don’t qualify for the “perfect” profile will get higher premium rates which usually ends up with the customer not buying. The ads state “people who switch” but not “everyone who gets a quote” save that much when switching. This is how insurance companies can make those claims. This really emphasizes why you need to get car insurance quotes as often as possible. It is impossible to guess with any certainty which company will have the lowest premium rates for your situation.

Insurance specifics

Knowing the specifics of insurance aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Shown next are typical coverage types found on the average insurance policy.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from a tornado or hurricane, hitting a deer, a tree branch falling on your vehicle and damage from getting keyed. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto liability insurance – Liability coverage protects you from damage or injury you incur to a person or their property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values 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.

Liability coverage pays for claims like medical expenses, emergency aid and court costs. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and damage to your Saturn S-Series.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Collision coverage – This coverage pays for damage to your S-Series from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a building, crashing into a ditch, rolling your car, scraping a guard rail and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like chiropractic care, pain medications, funeral costs and surgery. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

More choices the merrier

Discount 1999 Saturn S-Series insurance can be bought on the web and also from your neighborhood agents, so get free car insurance quotes from both of them to have the best selection. Some companies do not provide online rate quotes and many times these smaller companies prefer to sell through independent insurance agents.

When getting car insurance quotes online, do not sacrifice coverage to reduce premiums. There have been many situations where someone sacrificed physical damage coverage only to discover later that they should have had better coverage. The proper strategy is to buy the best coverage you can find at the best cost while still protecting your assets.

Throughout this article, we presented some good ideas how you can reduce 1999 Saturn S-Series insurance premium rates online. The most important thing to understand is the more quotes you get, the better your chances of lowering your prices. Consumers could even find that the lowest premium rates come from the smaller companies. Some small companies often have lower prices on specific markets compared to the large companies like Allstate and Progressive.

To learn more, link through to the resources below:

• Senior Drivers (Insurance Information Insitute)
• Coverage Information (Progressive Insurance)
• Side Impact Crash Tests (iihs.org)
• How to Avoid Staged Accidents (State Farm)
• Insuring a Leased Car (Insurance Information Insitute)