Save on 2002 Saturn L-Series Insurance Rates

Looking for lower insurance rates for your Saturn L-Series? Wish you could get out of overpriced insurance? Trust us, there are many people just like you. Because you have many online and local companies to choose from, it’s nearly impossible to find the most affordable insurance provider.

This information will help educate you on the best way to quote coverages. If you currently have car insurance, you stand a good chance to be able to save some money using these tips. Drivers just need to know the proper methods to compare price quotes over the internet.

Get affordable car insurance quotes with discounts

Some providers don’t list the complete list of policy discounts very well, so the list below details a few of the more well known and also the more inconspicuous savings tricks you should be using when you buy insurance online. If you do not check that you are getting every discount available, you are not getting the best rate possible.

  • Driver’s Ed – Require your teen driver to complete a driver education course in high school.
  • Save over 55 – If you qualify as a senior citizen, you may be able to get reduced rates for L-Series insurance.
  • Clubs and Organizations – Joining qualifying clubs or civic groups can get you a small discount on your next renewal.
  • New Car Discount – Putting insurance coverage on a new car may earn a small discount due to better safety requirements for newer vehicles.
  • Claim Free – Good drivers with no accidents get the best car insurance rates when compared to policyholders that have many claims.
  • Multi-policy Discount – When you combine your auto and homeowners insurance and place coverage with the same company they may give you a discount of up to 20% off your total premium.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Most cut specific coverage prices like collision or personal injury protection. Despite the fact that it seems like all the discounts add up to a free policy, nobody gets a free ride.

To find companies that can offer you the previously mentioned discounts, click this link.

Tailor your auto insurance coverage to you

When buying the right insurance coverage for your vehicles, there is no one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions may help you determine whether or not you would benefit from an agent’s advice.

  • What companies insure drivers after a DUI or DWI?
  • Should I buy more coverage than the required minimum liability coverage?
  • Will my rates increase for filing one claim?
  • Should I get collision insurance on every vehicle?
  • Am I covered if hit by an uninsured driver?
  • Do I have newly-aquired coverage?
  • Can my babysitter drive my car?
  • What is high-risk coverage and where do I buy it?
  • What is medical payments coverage?

If you can’t answer these questions, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Can you really save $408 a year?

Consumers constantly see and hear ads that claim the best prices from companies such as Progressive, Geico, Allstate and State Farm. All the companies try to convey promises that you’ll save big if you move to their company.

How can each company save you money? This is the trick they use.

Insurance companies have underwriting criteria for a prospective insured that earns them a profit. For instance, a profitable risk profile should be between the ages of 30 and 50, has no tickets, and has excellent credit. Any customer who fits that profile will get the preferred premium rates and will cut their rates substantially.

Drivers who fall short of this ideal profile will probably be forced to pay more expensive rates which usually ends up with the customer not buying. The ad wording is “drivers who switch” but not “everyone who gets a quote” save money. This is how companies can advertise the way they do.

This illustrates why drivers should get insurance quotes from several different companies. It is impossible to predict which company will give you the biggest savings.

Learn about car insurance coverages for a Saturn L-Series

Learning about specific coverages of your car insurance policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Shown next are typical coverage types found on most car insurance policies.

Collision protection

This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sideswiping another vehicle, rolling your car and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for expenses like funeral costs, X-ray expenses, nursing services, surgery and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Liability car insurance

This coverage provides protection from injuries or damage you cause to other people or property by causing an accident. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for things such as court costs, bail bonds and medical expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 2002 Saturn L-Series.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important. Normally these limits are similar to your liability insurance amounts.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from 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 coverage protects against things such as rock chips in glass, a tree branch falling on your vehicle, damage from a tornado or hurricane and falling objects. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Shop smart and save

When getting insurance quotes online, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many situations where someone sacrificed liability limits or collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your objective should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

The cheapest 2002 Saturn L-Series insurance can be bought from both online companies and also from your neighborhood agents, and you should compare rates from both so you have a total pricing picture. There are still a few companies who do not provide the ability to get a quote online and these small, regional companies only sell coverage through local independent agencies.

For more information, feel free to visit these articles:

Comments About 2002 Saturn L-Series Insurance

  1. Nichelle Oneal

    Looking for cheaper 2002 Saturn L-Series insurance in Las Cruces, NM. Help!

  2. Lorene Brewer

    Anyone buy from Auto-Owners? I’m in Oklahoma City, Oklahoma.

  3. Lani Williams

    If you don’t have tickets and live around Mobile, Alabama, check out GEICO. They seem to be cheaper. Ask about discounts.

  4. Debroah Clements

    Will Allstate be cheaper if I raise deductibles?

  5. Tambra Rios

    Nice info. Found cheapest coverage with Progressive for my 2002 Saturn L-Series and saved about $60 a year. Was with GMAC. Full coverage costs too much.

  6. Dian Acevedo

    I’m in the suburbs of Aurora, CO. Got quotes with American Family, Nationwide, and USAA for my 2002 Saturn L-Series and I’m now saving $17 a month. Left Allstate to switch. I get lower rates because of my clean driving record. Get lots of quotes to find the best rate. I don’t insure for physical damage though.

  7. Ka Blankenship

    Cheap is not always the best policy. I’m in the north part of Rochester, NY. Got car insurance prices from State Farm, Amica, and some I forget for my L-Series and I’m now saving $20 a month. Left Allstate to switch. I’m a pretty good driver though. I only have liability coverage on it.

  8. Monique Evans

    Does State Farm offer new car replacement?

  9. Elina Hutchinson

    Checking in from Grand Forks, ND. Got car insurance quotes from AAA, Nationwide, and some smaller one I can’t remember the name of for my Saturn and I’m now saving $24 a month. Thankfully I have a good driving record. Just waiting to see how claims go. I don’t put full coverage on it.

  10. Rufina Rojas

    Here’s my quote info. I’m in the north part of Tulsa, Oklahoma. Quoted quotes from Amica, MetLife, and a few others for my Saturn and am saving around $60 a year. Moved home policy as well. I don’t put full coverage on it.

  11. Coy Anthony

    What are minimum liability limits required in Florida?

  12. Sylvie Harper

    Not sure what I should be paying. Checking in from Spokane, WA. Got quotes from American Family, Nationwide, and a few others for my L-Series and saved about $60 a year. Left State Farm to switch. My L-Series doesn’t have full coverage.

  13. Mallie George

    From northwest of Oklahoma City, OK. Not sure of all the companies but I ended up saving about $20 each month. I think they have home insurance too. I don’t insure for physical damage though.