2009 Saturn Sky Insurance Quotes – 8 Tricks for Best Rates

Trying to find better insurance coverage rates for your Saturn Sky? Locating discount insurance coverage can seem to be somewhat difficult for drivers new to shopping for insurance on the internet. With more and more online companies, how are drivers expected to have time to compare every one to find the cheapest price possible?

It’s a great practice to get comparison quotes as often as possible because insurance prices trend upward over time. Despite the fact that you may have had the lowest rates on Sky insurance six months ago a different company probably has better rate quotes today. There is lot of inaccurate information about insurance coverage out there, but you can learn some excellent ideas to quit paying high insurance coverage rates.

The best way we recommend to compare insurance rates from multiple companies is to understand car insurance companies pay for the opportunity to provide you with free rate quotes. All consumers are required to do is provide information including daily mileage, if you require a SR-22, if your license is active, and driver details. Your insurance information is then submitted to many of the top insurers and you receive quotes instantly.

To compare rates now, click here and find out if you can get cheaper insurance.

Big brands don’t always mean big savings

Well-known car insurance companies like Geico, State Farm and Progressive consistently run ads on TV and radio. All the companies try to convey promises about saving some big amount if you move to them. That’s great but how can every company offer drivers better rates? Here is the trick they use.

All the different companies have a preferred profile for the type of driver that will generate a profit. For instance, a profitable insured should be between the ages of 30 and 45, has no driving citations, and the vehicle is rated for pleasure use. A driver who matches that profile will get low rates and therefore will save a lot of money.

Insureds who may not quite match these criteria will have to pay a higher premium and the driver buying from a lower-cost company. If you listen closely, the ads state “customers who switch” not “everyone who quotes” save that much when switching. This is how companies can state the savings. Because each company has a different risk profile, you absolutely need to get auto insurance quotes as often as possible. It is impossible to guess the company that will fit your personal profile best.

Double check you’re getting with these eight discounts

Car insurance is neither fun to buy or cheap, but you may qualify for discounts that could help you make your next renewal payment. Some discounts apply automatically when you get a quote, but less common discounts must be asked about before being credited. If you do not check that you are getting every discount possible, you are paying more than you should be.

• Accident Waiver – Not really a discount, but some insurance companies will let one accident slide before raising your premiums if you have no claims before the accident.
• Active Military Service – Having an actively deployed family member could trigger a small discount.
• Defensive Driver Discounts – Passing a course in driver safety could possibly earn you a 5% discount and make you a better driver.
• Own a Home – Simply owning a home can get you a discount since home ownership means you have a higher level of financial diligence.
• Braking Control Discount – Vehicles equipped with ABS or steering control are much safer to drive and will save you 10% or more.
• Senior Discount – If you qualify as a senior citizen, you can get a discount up to 10% on Sky insurance.
• Theft Deterent – Vehicles that have factory alarm systems and tracking devices can help prevent theft and qualify for as much as a 10% discount.
• No Accidents – Claim-free drivers can earn big discounts in comparison with insureds who have frequent claims or accidents.

You should keep in mind that some credits don’t apply the the whole policy. Some only apply to individual premiums such as comp or med pay. Just because it seems like you could get a free car insurance policy, companies don’t profit that way.

Large car insurance companies and their possible discounts can be found below.

• 21st Century discounts include defensive driver, student driver, early bird, theft prevention, homeowners, and teen driver.
• Progressive has savings for online quote discount, online signing, multi-vehicle, homeowner, and multi-policy.
• State Farm includes discounts for Drive Safe & Save, multiple autos, passive restraint, anti-theft, good driver, and good student.
• Nationwide offers discounts including good student, easy pay, accident-free, Farm Bureau membership, multi-policy, family plan, and anti-theft.
• Esurance offers discounts for online shopper, defensive driver, multi-policy, renters, emergency road assistance, and good student.
• The Hartford may have discounts that include anti-theft, air bag, defensive driver, driver training, good student, and bundle.

Check with each company or agent to give you their best rates. All car insurance discounts might not be offered on policies in your state. If you would like to choose from a list of companies with significant discounts, follow this link.

Your situation helps dictate your coverage

When it comes to choosing proper insurance coverage, there really is not a cookie cutter policy. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining whether your personal situation will benefit from professional help.

• Exactly who is provided coverage by my policy?
• How do I file an SR-22 for a DUI in my state?
• Can I rate high risk drivers on liability-only vehicles?
• What is the rate difference between pleasure use and commuting?
• I have good health insurance, so how much medical payments coverage do I need?
• Am I covered when driving on a suspended license?
• Does my policy cover my teen driver if they drive my company car?
• What are the best liability limits?
• Should I drop comprehensive coverage on older vehicles?
• When should I remove comp and collision on my 2009 Saturn Sky?

If it’s difficult to answer those questions, you may need to chat with an agent. To find lower rates from a local agent, complete this form.

Educate yourself about insurance coverages

Having a good grasp of your policy helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like a broken windshield, hitting a bird, damage from a tornado or hurricane and falling objects. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto collision coverage

Collision insurance pays for damage to your Sky resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like hitting a mailbox, crashing into a ditch, crashing into a building and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Medical expense insurance

Med pay and PIP coverage kick in for short-term medical expenses such as dental work, pain medications and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants as well as being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Liability car insurance

Liability insurance protects you from damage that occurs to other people or property by causing an accident. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for claims such as medical services, funeral expenses, legal defense fees, repair costs for stationary objects and bail bonds. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Protection from uninsured/underinsured drivers

This provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Saturn Sky.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Cheaper insurance is a realistic goal

When you buy auto insurance online, it’s not a good idea to sacrifice coverage to reduce premiums. There are too many instances where someone dropped liability coverage limits only to regret that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy a smart amount of coverage at the best possible price, but do not sacrifice coverage to save money.

In this article, we covered a lot of tips how to compare 2009 Saturn Sky insurance prices online. The key thing to remember is the more you quote auto insurance, the better chance you’ll have of finding affordable auto insurance. You may be surprised to find that the biggest savings come from a small local company.

Cheaper 2009 Saturn Sky insurance can be found from both online companies and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies do not offer rate quotes online and many times these small insurance companies only sell through independent agencies.

More detailed insurance information can be read in these articles:

• Auto Crash Statistics (Insurance Information Insitute)
• Vehicle Insurance in the U.S. (Wikipedia)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Auto Insurance Learning Center (State Farm)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Rental Car Insurance Tips (Insurance Information Insitute)