2003 Saturn L-Series Car Insurance Quotes

Shoppers have many options when shopping for the best price on Saturn L-Series insurance. They can either spend hours contacting agents to get rate comparisons or utilize the internet to get rate quotes. There are more efficient ways to shop for insurance coverage and we’ll show you the quickest way to get price quotes for a Saturn and obtain the lowest price from both online companies and local agents.

Discounts are great for lower rates

Companies offering auto insurance don’t necessarily list every available discount in a way that’s easy to find, so the following is a list of both well-publicized and also the lesser-known car insurance savings. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Drive Less and Save – Keeping the miles down on your Saturn can qualify you for discounted rates on garaged vehicles.
  • Multi-car Discount – Buying insurance for more than one vehicle with the same company can get a discount on all vehicles.
  • Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Student in College – Kids in college living away from home attending college and do not have a car can receive lower rates.
  • Homeowners Savings – Being a homeowner can save you money because of the fact that having a home requires personal responsibility.
  • Driver Safety – Taking part in a course in driver safety can save you 5% or more if you qualify.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.

As a disclaimer on discounts, some credits don’t apply to the entire policy premium. A few only apply to the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you can get free auto insurance, companies wouldn’t make money that way.

For a list of insurance companies with discount car insurance rates, click here to view.

How to Get Insurance Comparison Quotes

There are a variety of methods to shop for 2003 Saturn L-Series insurance, and some are less labor-intensive and much quicker. You can spend countless hours discussing policy coverages with agents in your area, or you could use the web to get rate comparisons in just a few minutes.

Many companies participate in an industry program that allows shoppers to send in one quote, and each participating company can give them a price for coverage. This saves time by eliminating quote requests for every insurance company. To compare 2003 Saturn L-Series rates now click to open in new window.

The only drawback to pricing coverage this way is that consumers can’t choose the providers you want to price. If you wish to select specific providers to compare rates, we have assembled a list of insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just ensure you’re using exactly the same coverages for every quote you compare. If you are comparing mixed coverages it’s impossible to decipher which rate is best.

What determines your Saturn L-Series insurance premium

It’s important that you understand the different types of things that go into determining insurance rates. Having a good understanding of what controls the rates you pay helps enable you to make changes that may reward you with big savings.

Listed below are some of the factors that factor into rates.

  • More claims means more premium – If you tend to file frequent claims, you can pretty much guarantee higher rates. Auto insurance companies give discounts to insureds who do not rely on their insurance for small claims. Insurance coverage is meant to be used in the event of the large, substantial claims.
  • A clean driving record saves money – Drivers who don’t get tickets receive lower rates than people who have multiple driving citations. Just one moving violation can bump up the cost by as much as thirty percent. If you have severe violations like DUI or reckless driving may find they need to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
  • Better credit means lower rates – A driver’s credit score is a huge factor in determining what you pay for insurance. Therefore, if your credit score is lower than you’d like, you could be paying less to insure your 2003 Saturn L-Series by repairing your credit. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have poor credit.
  • Men fork out a little more – Statistics have proven women are more cautious behind the wheel. However, this does not mean women are better drivers. Men and women cause accidents in similar numbers, but the male of the species have costlier accidents. Men also tend to have more aggressive citations such as DWI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and thus pay the highest rates.
  • Where do you drive? – The more you drive each year the more you’ll pay to insure your vehicle. Most companies apply a rate determined by how the vehicle is used. Autos that are left in the garage can get a lower rate than those used for commuting. Verify your insurance policy properly reflects the correct driver usage, because it can save money. Incorrect usage on your L-Series may be wasting your money.

You may need specialized coverage

When choosing coverage, there really is no “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that may help you determine if your insurance needs might need professional guidance.

  • Does my policy cover my teen driver if they drive my company car?
  • Does my 2003 Saturn L-Series qualify for pleasure use?
  • Am I getting all the discounts available?
  • Exactly who is provided coverage by my policy?
  • What can I do if my company won’t pay a claim?
  • Am I better off with higher deductibles on my 2003 Saturn L-Series?
  • Is my cargo covered for damage or theft?
  • Is my teenager covered with friends in the car?
  • Is my business laptop covered if it gets stolen from my vehicle?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, complete this form. It is quick, free and can provide invaluable advice.

Do drivers who switch really save $450 a year?

Consumers can’t get away from ads for cheaper car insurance from companies such as State Farm, Geico and Progressive. They all seem to have a common claim that you can save if you change your policy.

How do they all make the same claim?

Different companies have a certain “appetite” for the driver that is profitable for them. An example of a driver they prefer could possibly be between 25 and 40, a clean driving record, and has a high credit rating. A customer that hits that “sweet spot” will get the preferred rates and therefore will cut their rates substantially.

Potential insureds who fall outside the requirements will have to pay higher prices and ends up with business not being written. The ads say “drivers who switch” not “people who quote” save that kind of money. That’s why companies can advertise the savings. Because of the profiling, you should compare many company’s rates. It is impossible to predict the company that will provide you with the cheapest Saturn L-Series insurance rates.

Insurance specifics

Understanding the coverages of a insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability coverages – Liability coverage protects you from damage that occurs to people or other 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. You might see policy limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things like court costs, repair bills for other people’s vehicles, medical expenses, structural damage and loss of income. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Collision coverages – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like colliding with a tree, crashing into a ditch, rolling your car, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Insurance for medical payments – Med pay and PIP coverage provide coverage for immediate expenses like doctor visits, hospital visits and dental work. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hitting a deer, rock chips in glass, falling objects and theft. The maximum amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

A fool and his money are soon parted

We covered many tips how you can reduce 2003 Saturn L-Series insurance prices online. It’s most important to understand that the more quotes you get, the higher the chance of saving money. You may even discover the best price on auto insurance is with a lesser-known regional company.

Drivers leave their current company for any number of reasons including high prices, high rates after DUI convictions, delays in paying claims and even not issuing a premium refund. It doesn’t matter why you want to switch finding a great new company can be pretty painless.

As you restructure your insurance plan, it’s very important that you do not buy poor coverage just to save money. Too many times, someone sacrificed liability coverage limits and discovered at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy enough coverage at the best price while still protecting your assets.

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