Compare 1998 Saturn S-Series Insurance Cost

Buyers have options when searching for affordable Saturn S-Series insurance. You can either waste hours driving around to get rate comparisons or leverage the internet to compare rates. There is a right way and a wrong way to compare auto insurance rates so we’re going to tell you the absolute fastest way to price shop coverage on a Saturn and get the cheapest rates.

If you have a current car insurance policy or are just looking to switch companies, you will benefit by learning to cut your premiums and possibly find even better coverage. The purpose of this post is to familiarize you with how car insurance quotes work and some money-saving tips. Consumers only need an understanding of the tricks to get comparison quotes on the web.

Low Cost Auto Insurance

There are several ways to compare Saturn S-Series auto insurance quotes, but some are easier and takes less work. You could waste time talking to local insurance agents in your area, or you can stay home and use the internet to get rate comparisons in just a few minutes.

All the larger companies belong to a marketplace where prospective buyers enter their coverage request one time, and each participating company returns a competitive quote based on the submitted data. This eliminates the need for repetitive form submissions for each company you want a rate for.

To participate in this free quote system, click here (opens in new window).

The only downside to using this type of form is you can’t choose which carriers to receive prices from. If you would rather choose individual companies to compare rates, we have a listing of low cost auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but ensure you’re using the exact same information on every quote you get. If you enter unequal deductibles or liability limits it’s impossible to truly determine the lowest rate.

Tailor your coverage to you

When buying the best car insurance coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different.

For instance, these questions may help highlight if your insurance needs would benefit from professional advice.

• Why am I required to buy high-risk coverage?
• How do I file an SR-22 for a DUI in my state?
• Can my teen drive my company car?
• Does my liability insurance cover pulling a trailer or camper?
• What vehicles should carry emergency assistance coverage?
• Does car insurance cover theft of personal property?
• Why am I required to get a high-risk car insurance policy?

If you can’t answer these questions, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverages explained

Learning about specific coverages of a auto insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Uninsured or underinsured coverage

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Saturn S-Series.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Comprehensive protection

This covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from flooding, damage from a tornado or hurricane, rock chips in glass and a tree branch falling on your vehicle. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for liability

This coverage will cover injuries or damage you cause to other people or property by causing an accident. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: 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 total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as pain and suffering, structural damage, repair bills for other people’s vehicles and emergency aid. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision protection

Collision insurance covers damage to your S-Series from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as hitting a parking meter, damaging your car on a curb, sustaining damage from a pot hole, colliding with a tree and sideswiping another vehicle. 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 bump up the deductible in order to get cheaper collision rates.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as dental work, chiropractic care, ambulance fees and X-ray expenses. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants and also covers being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage