1995 Saturn S-Series Car Insurance Quotes

Feel like you’re a prisoner to an overpriced auto insurance policy? Believe me when I say there are lots of people in the same boat.

Many insurance companies vie for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the lowest rate

It is always a good idea to take a look at other company’s rates periodically because prices tend to go up over time. Even if you got the lowest price for S-Series insurance two years ago you will most likely find a better rate today. So just forget anything you know (or think you know) about auto insurance because we’re going to show you the only way to find better rates and still maintain coverage.

If you currently have a car insurance policy, you should be able to save some money using this information. Finding the best rates is not rocket science. But drivers do need to understand how the larger insurance companies market on the web and take advantage of how the system works.

Insurance Coverage Quote Comparison

All the larger insurance coverage companies such as State Farm, Allstate and Geico provide pricing online. The process is fairly simple as you simply enter your personal and coverage information into a form. Once entered, their rating system will obtain credit information and your driving record and gives you a price quote. This makes it a lot easier to compare rates but the time required to go to many different websites and fill out multiple forms is monotonous and tiresome. But it’s absolutely necessary to compare as many rates as possible if you are searching for the lowest price.

An easier way to lower your insurance coverage bill makes use of a single form that analyzes rates from a bunch of companies at once. It’s a real time-saver, helps eliminate reptitive entry, and makes quoting online much more enjoyable and efficient. As soon as you send your information, it is quoted and you can choose any of the quotes returned. If the quotes result in lower rates, you can click and sign and buy the policy. It only takes a few minutes and may save quite a bit of money.

To find out how much you can save on insurance coverage, click here and submit your coverage information. If you have coverage now, it’s recommended you duplicate the limits and deductibles identical to your current policy. Using the same limits helps guarantee you will have rate comparison quotes based on identical coverages.

Discounts can save BIG

Auto insurance companies don’t always list every available discount very well, so the following is a list of some of the more common and also the lesser-known discounts you could be receiving.

Club Memberships – Participating in certain professional organizations could trigger savings when buying auto insurance for S-Series insurance.
Multi-policy Discount – If you insure your home and vehicles with one company you could get a discount of up to 20% off your total premium.
Discounts for Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for S-Series insurance than less cautious drivers.
Homeowners Pay Less – Being a homeowner can save you money because of the fact that having a home is proof that your finances are in order.
Life Insurance – Companies who offer life insurance give a break if you buy auto and life insurance together.
Save over 55 – Mature drivers may qualify for a discount up to 10% for S-Series insurance.
Discount for Swiching Early – A few companies offer discounts for switching policies prior to your current policy expiration. The savings is around 10%.

It’s important to understand that many deductions do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, auto insurance companies aren’t that generous.

A partial list of companies that possibly offer these benefits include:

It’s a good idea to ask each insurance company what discounts are available to you. Discounts may not be available in your area.

Will just any policy work for me?

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Each situation is unique so your insurance needs to address that. For example, these questions can aid in determining whether your personal situation would benefit from an agent’s advice.

Should I sign the liability waiver when renting a car?
Am I missing any policy discounts?
Do I have coverage for damage caused while driving under the influence?
Will I be non-renewed for getting a DUI or other conviction?
Do I really need UM/UIM coverage?
Am I covered when driving a rental car?
I have good health insurance, so how much medical payments coverage do I need?
Do I have newly-aquired coverage?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Auto insurance policy specifics

Knowing the specifics of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. These are typical coverages available from auto insurance companies.

Comprehensive auto coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from flooding, a broken windshield, hitting a deer and rock chips in glass. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as surgery, nursing services, ambulance fees, dental work and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Liability

This coverage can cover damage or injury you incur to people or other property that is your fault. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like legal defense fees, emergency aid, bail bonds and court costs. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage

Collision insurance will pay to fix damage to your S-Series resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with a tree, scraping a guard rail, crashing into a ditch and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 1995 Saturn S-Series.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.