2000 Saturn S-Series Insurance Rates

Having to pay for overpriced Saturn S-Series insurance can drain your personal savings, especially in this economy. Shopping your coverage around is free and is an excellent way to reduce premiums and put more money in your pocket. Insurance companies such as State Farm and Geico all claim big savings, bombarding you with fancy advertisements and it is difficult to separate fact from fiction and find the best price available.

It’s a great practice to compare prices before your policy renews due to the fact that insurance rates are usually higher with each renewal. If you had the best price on S-Series insurance a couple years back you can probably find a better price now. So just forget anything you know (or think you know) about insurance because you’re going to learn one of the easiest ways to save on insurance.

If you have insurance now or need new coverage, you can follow these tips to shop for the lowest rates and possibly find even better coverage. Finding the best rates is easy if you know what you’re doing. Consumers only need an understanding of the most efficient way to get comparison rates online.

Don’t miss these discounts

Companies offering auto insurance don’t always advertise every available discount in a way that’s easy to find, so the following is a list of some of the more common as well as the least known discounts you could be receiving. If you aren’t receiving every discount available, you are paying more than you should be.

  • Pay Upfront and Save – By paying your policy upfront instead of paying each month you could save 5% or more.
  • Good Student Discount – This discount can save 20 to 25%. The good student discount can last up until you turn 25.
  • Senior Discount – Older drivers may be able to get a discount up to 10% on S-Series insurance.
  • No Charge for an Accident – A few companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
  • Anti-theft Discount – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Seat Belts Save – Drivers who require all occupants to use their safety belts can save up to 15% off your medical payments premium.
  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less on S-Series insurance than drivers with accidents.

As a disclaimer on discounts, many deductions do not apply the the whole policy. Most cut the cost of specific coverages such as medical payments or collision. Just because it seems like you can get free auto insurance, you’re out of luck.

Car insurance companies who might offer these money-saving discounts may include but are not limited to:

Before buying, ask each insurance company which discounts they offer. Discounts may not apply in your area.

Why your Saturn S-Series insurance rates may be high

Smart consumers have a good feel for the different types of things that come into play when calculating the price you pay for insurance. Understanding what influences your rates enables informed choices that will entitle you to much lower annual insurance costs.

  • Extra coverages can waste money – There are a lot of additional coverages you can purchase when buying insurance. Insurance for rental car reimbursement, better glass coverage and term life insurance may be wasting your money. They may seem good initially, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Increase deductibles and save – Physical damage deductibles represent how much money you are willing to pay out-of-pocket before your insurance pays a claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Examples of covered claims could be colliding with a building, damage from fire, and burglary. The higher the amount you’re willing to pay, the less your insurance will be on S-Series insurance.
  • Sex matters – Statistics show that men are more aggressive behind the wheel. However, don’t assume that men are WORSE drivers than women. Women and men cause accidents in similar numbers, but men cause more damage and cost insurance companies more money. Men also have more aggressive citations like DUI and reckless driving.
  • Your insurance rates can be influenced by your job – Jobs such as real estate brokers, executives and financial analysts are shown to have higher average rates because of job stress and long work hours. Conversely, occupations like pilots, engineers and retirees pay the least on S-Series insurance.
  • Car features impact rates – Purchasing a vehicle with an alarm system can get you a discount on your insurance. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft.

When might I need help?

When buying proper insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique and your policy should reflect that. For example, these questions can help discover whether or not you may require specific advice.

  • Do I need replacement cost coverage?
  • What if I total my 2000 Saturn S-Series and owe more than it’s worth?
  • Why does it cost so much to insure a teen driver?
  • Should I put collision coverage on all my vehicles?
  • Where can I get insurance after a DUI in my state?
  • Do I need roadside assistance coverage?
  • When can my company non-renew my policy?
  • What is the difference between comprehensive and collision coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance policy specifics

Knowing the specifics of car insurance aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are typical coverages offered by car insurance companies.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your 2000 Saturn S-Series.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability car insurance

This coverage can cover injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as repair bills for other people’s vehicles, medical services and bail bonds. How much coverage you buy is a personal decision, but buy higher limits if possible.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as rock chips in glass, falling objects, a broken windshield, fire damage and hitting a deer. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical payments

Med pay and PIP coverage kick in for bills for things like nursing services, doctor visits, funeral costs, prosthetic devices and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Coverage for collisions

Collision coverage will pay to fix damage to your S-Series caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as hitting a mailbox, sustaining damage from a pot hole, colliding with a tree, rolling your car and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Never pay more for less

As you shop your coverage around, it’s a bad idea to reduce needed coverages to save money. There have been many situations where an insured dropped physical damage coverage and discovered at claim time that it was a big mistake. The ultimate goal is to buy enough coverage for the lowest price while not skimping on critical coverages.

We covered many ideas to reduce 2000 Saturn S-Series insurance prices online. It’s most important to understand that the more companies you get rates for, the better chance you’ll have of finding lower rates. Consumers may even find the best price on car insurance is with a smaller regional carrier. They may only write in your state and offer lower rates as compared to the big name companies such as State Farm and Allstate.

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