2002 Saturn L-Series Car Insurance Cost

Trying to find better auto insurance rates for your Saturn L-Series? Overpriced Saturn L-Series insurance can empty your bank account and make it hard to pay other bills. Comparison shopping is free, only takes a few minutes, and is a good way to cut your insurance bill. Because you have many companies to choose from, it’s difficult to pick the best company.

Smart consumers take time to compare rates once or twice a year due to the fact that insurance rates fluctuate regularly. Despite the fact that you may have had the best rates on L-Series insurance two years ago there may be better deals available now. Starting right now, ignore everything you know about auto insurance because you’re about to learn how to use online quotes to find better rates and still maintain coverage.

Finding Car Insurance

Shopping for lower car insurance rates can be challenging if you aren’t aware of the easiest way. You can waste a few hours (or days) talking about coverages with agents in your area, or you could save time and use online quoting to get pricing more quickly.

Many popular insurance companies participate in an industry program where insurance shoppers enter their policy data once, and at least one company can give them a price based on the submitted data. This eliminates the need for form submissions for each company you want a rate for.

To use this form to compare 2002 Saturn L-Series insurance rates click here to start a free quote.

One minor caviat to pricing coverage this way is that consumers can’t choose the insurers you want to price. So if you want to select from a list of companies to compare, we have a listing of car insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just compare apples-to-apples deductibles and coverage limits with each company. If you enter differing limits you can’t possibly truly determine the lowest rate.

Tailor your coverage to you

When buying coverage for your vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions may help you determine if your situation may require specific advice.

  • Does coverage extend to Mexico or Canada?
  • Am I covered if I hit a deer?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered if I hit my neighbor’s mailbox?
  • I have health insurance so do I need medical payments coverage?
  • How much liability coverage do I need in my state?
  • Why does it cost so much to insure a teen driver?
  • Is my cargo covered for damage or theft?
  • When should my teen driver be added to my policy?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Insurance coverages 101

Understanding the coverages of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the normal coverages offered by insurance companies.

Liability coverage

This coverage will cover damage that occurs to other people or property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t 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. Your policy might show values of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for things like bail bonds, legal defense fees, medical expenses and pain and suffering. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Comprehensive protection

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a bird, theft and hitting a deer. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense coverage

Med pay and PIP coverage pay for expenses for nursing services, chiropractic care, X-ray expenses, surgery and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision coverage protection

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a parking meter, colliding with a tree, crashing into a building and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Saturn L-Series.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.