Save on 2001 Saturn L-Series Insurance Cost

Looking for the cheapest insurance coverage rates for your Saturn L-Series? Are you sick and tired of not being able to afford to pay high insurance coverage rates every month? You’re in the same situation as many other consumers. Lots of insurance companies contend for your hard-earned dollar, so it’s not easy to compare every provider and uncover the absolute best rate

You should make it a habit to check insurance coverage prices yearly because rates are usually higher with each renewal. Just because you found the best rate on L-Series insurance a year ago you can probably find a better price now. Forget anything you know (or think you know) about insurance coverage because we’re going to show you the only way to save money, get proper coverage and the best rates.

Compare free insurance coverage price quotes

Getting a more affordable price on 2001 Saturn L-Series insurance is actually quite simple. Consumers just need to take a few minutes comparing rate quotes to find. Rate comparisons can be done in several different ways.

  1. If you are pressed for time, the simplest way consumers can make multiple comparisons is an all-inclusive rate comparison like this one (opens in new window). This form saves time by eliminating separate quote forms for every prospective company. One form will get you price quotes from many national carriers.
  2. A more time consuming way to find lower rates is to manually visit each individual company website and fill out their own quote form. For instance, let’s say you want to view quotes from GEICO, Esurance and Allstate. To do that, you would have to spend time going to each site individually and enter your policy data, which explains why we recommend starting with the first method.

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

It’s up to you which method you use, but make sure you use nearly identical quote data on every quote. If each company quotes different data it will be very difficult to truly determine the lowest rate.

These discounts can cut insurance coverage rates

Insurance coverage is not inexpensive, but you may qualify for discounts that many consumers don’t even know exist. A few discounts will be applied at the time of purchase, but once in a while a discount must be specifically requested prior to receiving the credit.

  • Life Insurance – Larger insurance companies have a break if you buy a life insurance policy as well.
  • E-sign – Some larger companies may give you up to $50 just for signing your application on the web.
  • Accident-Free Discounts – Insureds with no claims or accidents pay less as compared to drivers with a long claim history.
  • Bundle and Save – When you have multiple policies with one insurance company you could get a discount of at least 10 to 15 percent or more.
  • Responsible Drivers – Insureds who avoid accidents can save up to 40% or more on their insurance coverage quote on L-Series insurance than drivers with accident claims.
  • Homeowners Savings – Owning a home may trigger a policy discount on insurance coverage since home ownership requires personal responsibility.
  • Pay Now and Pay Less – By paying your entire bill at once instead of monthly or quarterly installments you can avoid monthly service charges.

It’s important to note that most credits do not apply the the whole policy. Some only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears you can get free auto insurance, it’s just not the way it works. Any qualifying discounts should help lower the premium cost.

A few popular companies and a summarized list of policyholder discounts are included below.

  • Progressive may include discounts for good student, homeowner, online signing, online quote discount, and multi-policy.
  • Farmers Insurance may have discounts that include switch companies, alternative fuel, electronic funds transfer, bundle discounts, multi-car, business and professional, and teen driver.
  • Farm Bureau has discounts for multi-vehicle, multi-policy, youthful driver, good student, and safe driver.
  • State Farm offers discounts including defensive driving training, multiple policy, good student, passive restraint, good driver, driver’s education, and Steer Clear safe driver discount.
  • GEICO policyholders can earn discounts including five-year accident-free, multi-policy, membership and employees, emergency military deployment, and multi-vehicle.
  • SAFECO offers premium reductions for homeowner, teen safe driver, accident prevention training, anti-theft, and drive less.
  • Liberty Mutual includes discounts for new graduate, new vehicle discount, exclusive group savings, good student, and new move discount.

When getting a coverage quote, ask each insurance company to apply every possible discount. A few discounts may not apply to policyholders in your area. If you would like to see a list of insurance companies that offer the discounts shown above, click here to view.

When do I need an agent’s advice?

When buying coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique so this has to be addressed. For example, these questions can aid in determining if your situation might need an agent’s assistance.

  • Do I have coverage when making deliveries for my home business?
  • Is a new car covered when I drive it off the dealer lot?
  • Am I covered when driving on a suspended license?
  • How can I find cheaper teen driver insurance?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is pleasure use cheaper than using my 2001 Saturn L-Series to commute?
  • Do I need to file an SR-22 for a DUI in my state?
  • Does my medical payments coverage pay my health insurance deductible?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Car insurance coverage information

Learning about specific coverages of your car insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types found on most car insurance policies.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as nursing services, surgery, ambulance fees and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like theft, damage from flooding and hitting a deer. 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

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

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims such as funeral expenses, structural damage, court costs and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

Auto collision coverage

Collision coverage pays for damage to your L-Series from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as sustaining damage from a pot hole, colliding with a tree, hitting a parking meter and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Buy online or local, you save

A few companies do not offer online price quotes and most of the time these regional carriers only sell through independent agents. More affordable insurance can be sourced on the web in addition to local insurance agencies, so you need to compare both in order to have the best chance of saving money.

As you quote insurance coverage, never reduce needed coverages to save money. There have been many situations where drivers have reduced physical damage coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy the best coverage you can find at the best cost while not skimping on critical coverages.

In this article, we presented some good ideas how you can get a better price on 2001 Saturn L-Series insurance. The key thing to remember is the more times you quote, the higher your chance of finding cheap insurance coverage. You may even discover the biggest savings come from a small mutual company. These companies may have significantly lower prices on certain market segments compared to the large companies like State Farm or Progressive.

For more information, take a look at the articles below:

Comments About 2001 Saturn L-Series Insurance

  1. Randi House

    In Raleigh, NC, Amica had the best rates for my 2001 Saturn L-Series. Insured with Mercury before. Ask about discounts. Did it all online. I just carry liability insurance.

  2. Arnold Velez

    I got quite a few price quotes for a 2001 Saturn L-Series in Tulsa, Oklahoma. Ended up at roughly $110 every six months with AIG Insurance. I just quoted rates online. I don’t put full coverage on it.

  3. Marcelina Yates

    Is GEICO or Erie cheap in San Jose, CA?

  4. Anjelica Brock

    If you have a clean record and live in the vicinity of Anchorage, AK, check out Allstate. You might save some money. Moved home policy as well. Not sure about claim service.

  5. Rosemarie Parks

    I live in Omaha, NE. Got quotes with The General, Amica, Nationwide, and a couple others for my 2001 Saturn L-Series and I think I am saving around $30 each month. I’m a pretty good driver though. Just go online and compare their rates. Liability only on my Saturn.

  6. Roberto Carver

    Not sure what I should be paying. Went with Hanover for my Saturn and saved around $60 a year. My L-Series doesn’t have full coverage.

  7. Melody Tyson

    If you don’t have tickets and live in the vicinity of Chesapeake, Virginia, check out Allstate. They seem to be cheaper. Got better coverage too. God forbid I actually have a claim. I don’t put full coverage on it.

  8. Catina Casey

    I live just outside Columbus, Georgia. I got free prices from Progressive, Amica, and Farmers for my L-Series and I think I am saving around $30 each month. Was with The General. I think they have home insurance too. It’s only liability tho.

  9. Abel Farley

    I was with Hartford last year but switched to Allstate. From north side of Wichita, KS. Left GMAC to switch.

  10. Kevin Hicks

    Good detail in your article. I live in Bangor, ME. Compared rates from a lot of places. Saved roughly $30 a month. State Farm was the cheapest option for me. Not worth enough to pay for comprehensive and collision.

  11. Marcel Horne

    Great info, thanks for posting. Got a quote with State Farm for my 2001 Saturn L-Series and saved about $110 a year. Was with Farmers. Not sure if rates are cheaper online or through an agent. I dropped full coverage awhile back.