Searching for the cheapest auto insurance rates for your Saturn Aura Hybrid? Tired of scraping nickels together to keep your car insured? You are no different than most other drivers.
Companies like Progressive, State Farm and Geico persitently shower you with advertising and it is difficult to see past the geckos and flying pigs and take the time to shop coverage around.
The method we recommend to compare rate quotes utilizes the fact almost all companies will pay a fee to compare rate quotes. The one thing you need to do is give them rating details including how many miles driven, if the car is leased, if your license is active, and driver details. Your insurance information is automatically sent to insurance carriers in your area and they return rate quotes quickly.
To check car insurance prices now, click here and enter your coverage details.
Car insurance companies do not advertise the complete list of policy discounts very well, so the list below details both the well known and also the more inconspicuous credits available to you.
Discounts lower rates, but many deductions do not apply to all coverage premiums. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, it’s just not the way it works. Any amount of discount will reduce the cost of coverage.
To view insurers that have a full spectrum of discounts, click here to view.
When buying adequate coverage for your vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions may help you determine whether or not you might need professional guidance.
If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.
It’s important that you understand the rating factors that are used to determine the price you pay for insurance. If you have some idea of what influences your rates, this enables informed choices that may result in lower premium levels.
Listed below are a partial list of the pieces used by insurance companies to determine premiums.
Companies like Progressive, Geico, Allstate and State Farm endlessly run ads on TV and radio. They all seem to state the claim about how much you will save after switching your insurance coverage to their company. That’s great but how can every company charge you a lower premium? Here is how they do it.
Insurance companies quote their best rates for the right customer that earns them a profit. For instance, a profitable risk profile might have to be between the ages of 30 and 50, has never had a claim, and drives less than 5,000 miles a year. A customer getting a price quote who fits that profile is entitled to the best price and therefore will save when they switch companies.
People who are not a match for those criteria may be required to pay higher rates and this can result in the customer buying from someone else. The wording the ads use say “people who switch” not “everyone that quotes” can save as much as they claim. This is how companies can make claims that they all have the best rates.
This really emphasizes why you need to get price quotes at each policy renewal. It’s just too difficult to predict with any certainty which company will have better prices than you’re paying now.
Knowing the specifics of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find the normal coverages found on most insurance policies.
Coverage for medical payments
Med pay and PIP coverage pay for immediate expenses for things like funeral costs, pain medications and surgery. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage
Uninsured and underinsured coverage
Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and damage to your Saturn Aura Hybrid.
Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
Liability
This coverage can cover damage or injury you incur to other’s property or people in an accident. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.
Liability coverage pays for things such as structural damage, attorney fees, bail bonds, emergency aid and medical expenses. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.
Comprehensive coverages
Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims such as hitting a bird, vandalism and rock chips in glass. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Collision protection
This coverage pays for damage to your Aura Hybrid caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like hitting a mailbox, crashing into a ditch and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also increase the deductible to save money on collision insurance.
When you buy insurance coverage online, never reduce needed coverages to save money. There are many occasions where an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that the small savings ended up costing them much more. The goal is to buy enough coverage at the lowest possible cost, but do not sacrifice coverage to save money.
Budget-conscious 2009 Saturn Aura Hybrid insurance is attainable on the web in addition to local insurance agencies, and you need to price shop both to have the best selection. Some auto insurance companies don’t offer the ability to get a quote online and these smaller providers sell through independent agencies.
Additional detailed information can be read in the articles below:
Priscilla Ford
Just a quick comment on my experience. Live in the southern part of Dover, DE. Got car insurance quotes with Mercury, Farmers, Progressive, and Auto-Owners for my 2009 Saturn Aura Hybrid and I think I saved about $30 each month. Still almost need a second mortgage.
Miguelina Watts
I’m from Biloxi, Mississippi. I quoted with State Farm, Amica, and some I forget for my Aura Hybrid and saved just over $190 a year. Hopefully won’t need it. Not sure about claim service.
Toshiko Holman
From a town just southwest of Grand Forks, ND. I compared lots of rates. Saved about $30 a month. 21st Century was the cheapest for me. I have several vehicles insured with them. Not sure about claim service.
Darby Kemp
I think I’m paying too much. I live east of Billings, MT. Received rates from Progressive, Amica, and some I forget for my Saturn and saved about $470 a year. Ask about discounts.
Cliff Middleton
Does Georgia require liability coverage?
Williemae Vincent
Cheap car insurance? What’s that? I’m in the south part of Bellevue, Nebraska. I don’t recall every quote but I ended up saving about $60 each month.
Chaya Smith
Not sure what I should be paying. I live on the south side of Fort Smith, Arkansas. Got car insurance rates from AAA, Mercury, and some smaller one I can’t remember the name of for my Aura Hybrid and saved $573 a year. Good savings if you bundle. They offer free online rate quotes.
Dulce Mooney
In Saint Louis, Missouri, 21st Century is a good choice. Still almost need a second mortgage.
Wilburn Cleveland
Proud to be from Idaho Falls, ID. Quoted with AIG Insurance, Mercury, and a few others for my Aura Hybrid and saved $447 a year. Left Safeco to switch. Highly recommended.
Monica Walton
Good site, thanks. Live in Warren, MI. Received quotes from GMAC, Amica, Sentry, and a couple others for my Saturn and I think I saved around $70 each month. Have a couple speeding tickets too.
Kalyn Jarvis
Thanks for putting this site together. Live in New Haven, CT. Quoted a bunch of companies. Saved darn near $60 a month. Progressive was the most affordable for me. Good savings if you bundle. Did it all online.