2000 Saturn S-Series Insurance Quotes – 7 Policy Discounts

Nobody anticipates paying for car insurance, particularly when the cost is way too high. Many car insurance companies compete for your hard-earned dollar, so it can be very hard to choose a insurance company and get the definite lowest rate possible.

It’s a good habit to do price comparisons before your policy renews because car insurance rates are constantly changing. Just because you had the lowest premium rates on S-Series insurance a few years ago the chances are good that you can find a lower price today. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to how to use the internet to properly buy coverages while reducing your premium.

The fastest way that we advise to compare rate quotes is to understand all the major auto insurance companies participate in a system to provide you with free rate quotes. To get started, all you need to do is provide details like deductibles desired, driver ages, marital status, and what your job is. Your information gets transmitted to insurance companies and you should receive rate quotes with very little delay.

To start a rate quote now, click here then complete the form.

Verify you’re earning every discount

Some companies don’t always list every discount in an easy-to-find place, so the list below details both the well known as well as the least known credits available to bring down your rates. If you check and find you aren’t receiving every discount you qualify for, you’re paying more than you need to.

• No Claims – Insureds with no claims or accidents pay much less as compared to policyholders that have many claims.
• Seat Belts Save – Requiring all passengers to buckle up could save 15% on medical payment and PIP coverage.
• Organization Discounts – Being in certain professional organizations may earn a discount on your policy.
• Low Mileage Discounts – Keeping the miles down on your Saturn could be rewarded with cheaper premium rates.
• Multi-policy Discount – When you combine your home and auto insurance with the same company you will save over 10 percent off each policy depending on the company.
• Defensive Driver Discounts – Participating in a defensive driver course is a good idea and can lower rates if your company offers it.
• Discount for Home Ownership – Just being a homeowner may trigger a policy discount on car insurance since owning and maintaining a home shows financial diligence.

Discounts save money, but please remember that most discount credits are not given to your bottom line cost. Most only cut the cost of specific coverages such as medical payments or collision. If you do the math and it seems like it’s possible to get free car insurance, nobody gets a free ride.

A list of companies and a partial list of their discounts are outlined below.

• State Farm may include discounts for defensive driving training, anti-theft, good student, multiple autos, and student away at school.
• Progressive offers discounts for online quote discount, multi-vehicle, continuous coverage, multi-policy, good student, homeowner, and online signing.
• Travelers may have discounts that include new car, payment discounts, driver training, save driver, and IntelliDrive.
• American Family offers premium reductions for good student, early bird, Steer into Savings, bundled insurance, multi-vehicle, and air bags.
• Liberty Mutual has savings for safety features, newly retired, exclusive group savings, new graduate, and multi-car.

When getting free insurance coverage quotes, it’s a good idea to each company or agent what discounts are available to you. All car insurance discounts may not apply to policyholders in your area. To view companies that have a full spectrum of discounts, click this link.

When should I discuss my situation with an agent?

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions can help discover if you will benefit from professional help.

• What is the difference between comprehensive and collision coverage?
• Is my camper covered by my car insurance policy?
• Is my state a no-fault state?
• Are rental cars covered under my policy?
• Do I have coverage when pulling a U-Haul trailer?
• Why is insurance for a teen driver so high?
• If my pet gets injured in an accident are they covered?
• Am I missing any policy discounts?
• Does my 2000 Saturn S-Series qualify for pleasure use?
• Are my friends covered when driving my car?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and you can get the answers you need.

Car insurance coverage breakdown

Learning about specific coverages of car insurance can help you determine the right coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types found on most car insurance policies.

Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for bills for things like ambulance fees, X-ray expenses, doctor visits, funeral costs and dental work. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a deer, falling objects, vandalism and damage from flooding. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto liability – Liability coverage provides protection from damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like funeral expenses, emergency aid, pain and suffering and attorney fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

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

Collision coverage pays for claims such as sustaining damage from a pot hole, rolling your car, backing into a parked car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.