2001 Saturn L-Series Insurance Quotes – 5 Tips for Cheaper Rates

Overpriced Saturn L-Series insurance can drain your savings account and make it hard to pay other bills. Comparing price quotes is free and is an excellent way to lower your monthly bill. There are many insurers to purchase coverage from, and even though it’s nice to have a choice, it makes it harder to compare rates.

Auto Insurance Prices

All major auto insurance companies allow you to get prices for coverage on their websites. Getting online quotes is pretty easy as you just type in your personal and coverage information as requested by the quote form. Upon sending the form, their rating system pulls credit information and your driving record and quotes a price. Being able to quote online simplifies rate comparisons, but the process of having to visit many different websites and fill out multiple forms is repetitive and time-consuming. Unfortunately, it is important to perform this step if you want to find the best price on auto insurance.

Compare rates the easy way

The easiest way to compare rates uses one simple form that analyzes rates from several companies at one time. The form is fast, eliminates repetitive work, and makes quoting online much simpler. As soon as you send your information, it is rated and you are able to buy any of the price quotes you receive. If a lower price is quoted, you simply finish the application and purchase coverage. The whole process takes 15 minutes at the most and you will know how your current rates stack up.

To quickly compare pricing, simply click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you replicate your coverages just like they are on your policy. Doing this guarantees you will have rate quotes for similar insurance coverage.

These five discounts can lower your rates

Auto insurance companies don’t always advertise every available discount in a way that’s easy to find, so we researched both well-publicized and the more hidden car insurance savings. If you aren’t receiving every discount possible, you’re paying more than you need to.

Low Mileage – Keeping the miles down on your Saturn can earn lower rates on the low mileage vehicles.
Life Insurance – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
Student in College – Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
One Accident Forgiven – A handful of insurance companies permit an accident before your rates go up as long as you don’t have any claims for a set time period.
No Claims – Drivers with accident-free driving histories pay less when compared to accident-prone drivers.

It’s important to understand that most discount credits are not given to all coverage premiums. Most cut individual premiums such as collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, companies wouldn’t make money that way.

For a list of insurers with the best car insurance discounts, click this link.

Different people need different coverages

When buying the right insurance coverage for your personal vehicles, there is no cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions may help highlight whether or not you might need professional guidance.

When can my company non-renew my policy?
Do I need to file an SR-22 for a DUI in my state?
Does coverage extend to a rental car in a foreign country?
How much liability do I need to cover my assets?
When should I drop full coverage on my 2001 Saturn L-Series?
How can I find cheaper teen driver insurance?
Does my 2001 Saturn L-Series qualify for pleasure use?
Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Coverage specifics

Knowing the specifics of your auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages found on most auto insurance policies.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Saturn L-Series.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Liability auto insurance

Liability coverage will cover damage that occurs to people or other property that is your fault. 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 policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like legal defense fees, emergency aid, repair costs for stationary objects, medical expenses and structural damage. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Comprehensive (Other than Collision)

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

Comprehensive coverage pays for things such as damage from a tornado or hurricane, hail damage and damage from flooding. The maximum amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense insurance

Med pay and PIP coverage reimburse you for bills like EMT expenses, hospital visits and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a mailbox, crashing into a building, scraping a guard rail, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.