Compare 2007 Saturn Aura Insurance Quotes

Searching for lower auto insurance rates for your Saturn Aura? Have you fallen victim to high-priced auto insurance? You’re in good company because you’re not alone. You have so many auto insurance companies to pick from, and even though it’s nice to be able to choose, more choices can make it harder to compare company pricing.

It’s important to take a look at other company’s rates quite often due to the fact that insurance rates are adjusted regularly by insurance companies. Even if you got the best premium rates on Aura coverage on your last policy the chances are good that you can find a lower price today. You can search a lot of auto insurance online but by reading this article, you’re going to learn some guaranteed methods to find cheap auto insurance.

The purpose of this article is to help you learn how car insurance quotes work and some tricks to saving. If you currently have a car insurance policy, you should be able to reduce your rates substantially using these techniques. Vehicle owners just need to learn the most effective way to shop for insurance coverage on the web.

How car insurance companies calculate Saturn Aura insurance rates

A large part of saving on insurance is knowing the rating factors that help calculate insurance rates. When consumers understand what determines base rates, this allows you to make educated decisions that may reward you with lower insurance prices.

The following are a partial list of the pieces companies use to determine your rates.

• Lower rates with a multi-policy discount – Most larger insurers give discounts to policyholders who consolidate policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s always a smart idea to shop around to help ensure you have the lowest rates. Consumers may save more without the discount by buying insurance from more than one company.
• Responsible drivers have lower premiums – A bad driving record has a huge affect on how much you pay. Even a single citation could increase your next policy renewal twenty percent or more. Good drivers get better rates compared to drivers with tickets. Drivers unfortunate enough to have flagrant tickets such as reckless driving or DUI may be required to maintain a SR-22 with their state in order to legally drive a vehicle.
• Do you know your comp and collision deductibles? – Comprehensive and collision coverage deductibles are the amount of money you are required to pay if you file a covered claim. Coverage for physical damage, also called comprehensive and collision insurance, protects your car from damage. Some examples of covered claims are rearending another vehicle, fire damage, and damage caused by road hazards. The higher the amount you pay before a claim is paid (deductible), the less your insurance will be on Aura coverage.
• Policy add-ons add up – There are many extra bells and whistles that can add up if you aren’t careful. Coverages for coverage for rental cars, better glass coverage, and extra equipment coverage are some examples. These coverages may sound good when you first buy your policy, but if they’re wasting money remove them and pocket the money.
• Bad credit hurts insurance premiums – Your credit history can be an important factor in determining what you pay. Consumers who have very good credit scores tend to be less risk to insure than drivers who have lower credit ratings. If your credit rating is low, you may save money insuring your 2007 Saturn Aura by spending a little time repairing your credit.
• What’s your car’s IIHS safety rating? – Vehicles with good safety scores tend to be cheaper to insure. Safer cars protect occupants better and better occupant protection translates into savings for insurance companies and cheaper rates on your policy. If your Saturn Aura scored at minimum four stars on Safercar.gov you may pay a lower rate.

Drivers can save with these premium-slashing discounts

Companies that sell car insurance do not list all available discounts very clearly, so we took the time to find some of the best known and the harder-to-find credits available to bring down your rates.

• Active Service Discounts – Being deployed with a military unit could qualify you for better prices.
• Seat Belt Usage – Requiring all passengers to buckle up before driving may be able to save a few bucks on the premium charged for medical payments and/or PIP.
• Government Employees – Simply working for the federal government may reduce rates when you quote insurance coverage on Aura coverage with certain companies.
• Auto/Life Discount – If the company offers life insurance, you could get a small discount if you purchase some life insurance in addition to your auto policy.
• Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them complete a driver education course as it will make them better drivers and lower rates.
• Paperless Signup – A handful of insurance companies provide a small discount for buying a policy and signing up over the internet.
• Accident-Free Discounts – Insureds who avoid accidents and claims can save substantially in comparison with insureds who have frequent claims or accidents.

Drivers should understand that most discount credits are not given to your bottom line cost. Some only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think all the discounts add up to a free policy, you’re out of luck.

A few popular companies and a partial list of their discounts can be found below.

• Geico offers premium reductions for driver training, air bags, defensive driver, five-year accident-free, and emergency military deployment.
• Auto-Owners Insurance offers discounts including mature driver, multiple vehicles, paid in full, student away at school, and teen driver.
• American Family discounts include early bird, Steer into Savings, accident-free, multi-vehicle, and TimeAway discount.
• Esurance may include discounts for anti-theft, online quote, safety device, claim free, multi-policy, renters, and paid-in-full.
• Progressive includes discounts for multi-vehicle, continuous coverage, multi-policy, homeowner, online quote discount, online signing, and good student.
• State Farm has discounts for student away at school, multiple policy, passive restraint, safe vehicle, Steer Clear safe driver discount, Drive Safe & Save, and accident-free.
• AAA policyholders can earn discounts including anti-theft, multi-car, education and occupation, AAA membership discount, and multi-policy.

Before you buy a policy, ask all the companies which discounts can lower your rates. Depending on the company, some discounts may not apply to policyholders in your area. If you would like to see a list of companies that provide some of the discounts listed above, click here to view.

The largest companies are not always cheapest

Consumers constantly see and hear ads that claim the lowest rates by State Farm and Allstate. All the ads have a common claim that you can save just by moving to them.

How can each company charge less that you’re paying now? It’s all in the wording.

All companies have a preferred profile for the type of driver that will most likely be profitable. For instance, a profitable risk profile might have to be between the ages of 30 and 45, has had continuous coverage, and drives a lower-performance vehicle. Any new insured that meets those criteria will probably get cheap premium rates and will probably save money with a new company.

Insureds who don’t meet the “perfect” profile may receive a more expensive rate and business going elsewhere. Company advertisements say “drivers who switch” but not “all drivers who get quotes” can save as much as they claim. That’s why companies can truthfully make those statements.

Each company has different criteria, so you really should get price quotes at each policy renewal. It’s just too difficult to predict which insurance companies will give you lower premium rates than your current company.

Do I need special coverages?

When buying the best auto insurance coverage, there is no “best” method to buy coverage. Each situation is unique so your insurance should reflect that Here are some questions about coverages that may help you determine whether you may require specific advice.

• Does my medical payments coverage pay my health insurance deductible?
• Should I buy full coverage?
• Is a new car covered when I drive it off the dealer lot?
• At what point should I drop full coverage?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Do I need PIP coverage since I have good health insurance?
• Is my ex-spouse still covered by my policy?

If you can’t answer these questions, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Auto insurance coverages explained

Knowing the specifics of auto insurance aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are the normal coverages found on the average auto insurance policy.

Collision – Collision insurance will pay to fix damage to your Aura caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like scraping a guard rail, colliding with another moving vehicle, hitting a mailbox and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for funeral costs, doctor visits, EMT expenses, X-ray expenses and nursing services. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Auto liability insurance – This coverage protects you from damage or injury you incur to other people or property that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as legal defense fees, pain and suffering and medical expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive auto coverage – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from flooding, rock chips in glass and vandalism. The maximum payout your auto 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.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Shop smart and save

As you shop your coverage around, it’s not a good idea to buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced liability coverage limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The goal is to find the BEST coverage at the best price while not skimping on critical coverages.

Cost effective 2007 Saturn Aura insurance can be found from both online companies and from local agencies, so you should compare both to have the best chance of lowering rates. Some insurance providers may not provide online quoting and most of the time these regional carriers only sell through local independent agencies.

We’ve covered some good ideas how you can shop for 2007 Saturn Aura insurance online. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding low cost insurance coverage. You may even find the most savings is with some of the smallest insurance companies. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like State Farm and Allstate.

For more information, link through to the resources below:

• Senior Drivers (Insurance Information Insitute)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)