2001 Saturn S-Series Insurance Quotes – 6 Tips for Cheaper Rates

Drivers have a choice when trying to find the lowest priced Saturn S-Series insurance. You can either spend your time driving around to compare prices or use the internet to get rate quotes.

There is a right way and a wrong way to shop for auto insurance and you need to know the absolute fastest way to get price quotes for a Saturn and find the lowest possible price.

If you have a policy now or need new coverage, you will benefit by learning to reduce the price you pay and possibly find even better coverage. This article will help educate you on the best way to quote coverages. Vehicle owners only need an understanding of the tricks to shop their coverage around over the internet.

How to get insurance coverage rate quotes

There are a variety of methods you can shop for insurance coverage but some are more efficient than others. You can waste hours talking to local insurance agents in your area, or you could save time and use the internet to get rates in a matter of minutes.

Many popular insurance companies belong to an insurance system that allows shoppers to only type in their quote data once, and every company can provide price quotes based on that data. This system prevents you from having to do form submissions to each individual insurance coverage company. To enter your information into the quoting system, click to open in new window.

The one disadvantage to comparing rates this way is you don’t know exactly which insurance companies to receive prices from. If you wish to select individual companies to receive pricing from, we have assembled a list of insurance coverage companies in your area. Click here to view list.

Whichever way you choose to compare rates, be certain you are entering exactly the same information with each company. If the quotes have different data it will be nearly impossible to make a fair rate comparison.

Insurance discounts are available to cut your rates

Car insurance is not cheap, but there’s a good chance there are discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time you complete a quote, but some need to be asked about in order for you to get them.

  • College Student – who live away from home to go to college and don’t have a car can be insured at a reduced rate.
  • No Accidents – Insureds with no claims or accidents can save substantially when compared to drivers who are more careless.
  • E-sign Discounts</strong – Some of the larger companies will give you a small discount for signing up online.
  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school or through a local driver safety program.
  • Discounts for Government Workers – Having worked for a branch of the government could cut as much as 10% off for S-Series insurance with a few insurance companies.
  • Theft Deterent System – Cars, trucks, and SUVs that have factory anti-theft systems are stolen less frequently and can earn a small discount on your policy.

It’s important to understand that most credits do not apply the the whole policy. Most cut specific coverage prices like medical payments or collision. So even though you would think having all the discounts means you get insurance for free, companies don’t profit that way.

To see insurance companies that offer some of these discounts, click here to view.

Everyone needs different insurance coverage coverages

When it comes to buying coverage, there really is no cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that could help you determine if you would benefit from professional advice.

  • Am I missing any policy discounts?
  • How can I force my company to pay a claim?
  • Why does it cost so much to insure a teen driver?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Exactly who is provided coverage by my policy?
  • When can I cancel my policy?
  • When would I need rental car insurance?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverage basics

Knowing the specifics of insurance can help you determine the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Coverage for liability

Liability insurance provides protection from injuries or damage you cause to a person or their property that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability can pay for things like funeral expenses, court costs, emergency aid, loss of income and structural damage. How much coverage you buy is up to you, but consider buying higher limits if possible.

Comprehensive insurance

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, vandalism and theft. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage

This coverage pays for damage to your S-Series resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sustaining damage from a pot hole, damaging your car on a curb, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like nursing services, hospital visits, dental work, EMT expenses and rehabilitation expenses. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Coverage for uninsured or underinsured drivers

This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time these coverages are identical to your policy’s liability coverage.

Comments About 2001 Saturn S-Series Insurance

  1. Man Lewis

    Will State Farm do a SR22 in New York?

  2. Christiane Mcneil

    From a town just southwest of Milwaukee, Wisconsin. Received prices from Progressive, Amica, and some I forget for my 2001 Saturn S-Series and saved $118 a year. It’s easy to compare rates online now. Not worth enough to pay for comprehensive and collision.

  3. Thao Stewart

    I’m in the east part of Juneau, Alaska. Got car insurance rates from 21st Century, Amica, and some I forget for my 2001 Saturn S-Series and saved just over $100 a year. Insured with USAA before.

  4. Marisha Chambers

    All companies are crooks. Live in the southern part of Newark, Delaware. Quoted with State Farm, AIG Insurance, and Erie for my Saturn and I’m now saving $11 a month. :)

  5. Barb Haynes

    I’m in Tulsa, OK, and State Farm rates were best.

  6. Babara Holland

    Anyone know if 21st Century does SR-22s?

  7. Meggan Evans

    Will 21st Century cancel if I have a claim?

  8. Adriane Wolfe

    Enjoyed the article. Live in the southern part of Grand Rapids, MI. Got car insurance quotes with Progressive, Liberty Mutual, and Farmers for my 2001 Saturn S-Series and I think I saved about $20 each month. Insured with Encompass before. I’m a pretty low risk driver.

  9. Nieves Riley

    For me, State Farm was by far the cheapest in Virginia Beach, VA.