Cheaper 2001 Saturn S-Series Car Insurance Rates

Want lower car insurance rates for your Saturn S-Series? Have you fallen victim to overpriced car insurance? Trust us, many consumers feel financially strained by their car insurance policy.

You have multiple auto insurance companies to purchase coverage from, and though it is a good thing to be able to choose, it makes it harder to locate the cheapest rates.

It’s a great practice to shop coverage around once or twice a year because prices are variable and change quite frequently. Even if you got the best rates on S-Series coverage six months ago there is a good chance you can find better rates now. Starting right now, block out anything you think you know about car insurance because you’re going to get a crash course in the fastest and easiest way to find lower rates on car insurance.

Are you getting all your discounts?

Companies offering auto insurance do not list all available discounts very clearly, so we researched both well-publicized and the harder-to-find ways to save on insurance.

  • Government Employees – Employees or retirees of the government can earn a discount up to 10% on S-Series coverage with certain companies.
  • Auto/Life Discount – Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Multi-policy Discount – When you combine your home and auto insurance with the same company you may earn at least 10% off all policies.
  • Lower Rates for Military – Being on active duty in the military can result in better rates.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.

Keep in mind that some of the credits will not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you could get a free insurance policy, insurance companies aren’t that generous.

A partial list of companies that may have some of the above discounts may include but are not limited to:

Double check with each company what discounts are available to you. All car insurance discounts might not apply in your area.

Cheap Insurance Coverage Comparisons

There are a lot of ways to compare insurance coverage quotes, but there is one way that is less time-consuming than others. You can waste a lot of time talking about coverages with insurance agencies in your area, or you could save time and use online quotes to get pricing more quickly.

Most car insurance companies participate in an industry program that allows shoppers to submit their information once, and at least one company then returns a price quote based on the submitted data. This system prevents you from having to do quotation requests for every insurance coverage company.

To compare 2001 Saturn S-Series rates using this form now click to open in new window.

The one downside to getting quotes like this is you don’t know exactly the insurers to get quotes from. So if you prefer to pick individual companies to compare, we put together a list of low cost insurance coverage companies in your area. Click here to view list.

Whichever way you use, make absolute certain that you use exactly the same coverage information with every price quote. If each company quotes differing limits it’s not possible to determine the best price for your Saturn S-Series. Slightly different coverage limits can mean a large discrepancy in price. And when comparison shopping, comparing more company’s prices provides better odds of finding the best offered rates.

When might I need an agent?

When buying adequate coverage for your vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions can help discover if your insurance needs might need professional guidance.

  • If my 2001 Saturn S-Series is totaled, can I afford another vehicle?
  • How high should deductibles be on a 2001 Saturn S-Series?
  • Do I have newly-aquired coverage?
  • Is my trailer covered?
  • How much can I save by bundling my policies?
  • Is my custom paint covered by insurance?
  • Am I covered if I drive in a foreign country?

If you can’t answer these questions, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

Coverages available on your policy

Understanding the coverages of your policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are the normal coverages found on the average insurance policy.

Liability coverage

This coverage protects you from damages or injuries you inflict on other people or property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as structural damage, attorney fees, pain and suffering, medical services and medical expenses. How much coverage you buy is your choice, but consider buying higher limits if possible.

Collision coverage

This coverage covers damage to your S-Series from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as hitting a parking meter, colliding with another moving vehicle, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many 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.

Comprehensive coverages

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as falling objects, a broken windshield, hitting a deer and theft. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical payments

Med pay and PIP coverage reimburse you for bills such as surgery, hospital visits, chiropractic care and nursing services. They are utilized in addition to your health insurance program or if you do not have health coverage. It covers all vehicle occupants as well as 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

The bottom line

Budget-conscious 2001 Saturn S-Series insurance is possible both online as well as from independent agents, and you need to comparison shop both in order to have the best price selection to choose from. A few companies don’t offer you the ability to get quotes online and these smaller companies work with independent agents.

When trying to cut insurance costs, it’s a bad idea to skimp on coverage in order to save money. In too many instances, someone dropped uninsured motorist or liability limits only to discover later they didn’t have enough coverage. Your aim should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

We’ve covered some good ideas how you can lower your insurance rates. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. You may even find the lowest premiums are with some of the lesser-known companies. They often have lower prices on specific markets than the large multi-state companies such as State Farm or Progressive.

Even more information is located in the articles below: