Lower your Saturn SL Rates in Less than Five Minutes
If finding affordable car insurance was easy, most of us would take the time to do it. But unfortunately, it's difficult for a lot of people and we always seem to pay more than we should. You probably feel the same way about finding lower cost coverage for your Saturn SL.
Step One: Shop Around
Up until just recently, the only option you had for shopping for insurance was getting a high pressure sales pitch in the office of your local insurance agent. Now that we have the internet, shopping for car insurance online is a snap!
You can now shop all the best car insurance companies and compare rates for a Saturn SL and you don't even have to visit each individual website!
Simply click the link below to enter your information. Once complete, you can compare the returned rates and make a decision on which policy to purchase.
Same Limits on Quotes! This tip is very important. The only way to accurately compare rates on your SL is to use the same limits of liability as well as deductibles on physical damage coverage. You won't be able to compare rates if you use different values on your quotes.
Step Two: How to Save on SL Insurance
After step one is complete, it's now time to analyze some of the other factors that can negatively impact car insurance rates for a SL.
- You can check your credit score for free once a year, and it's a good idea to address any problems you find. Better credit results in better insurance rates.
- Many insurance companies will give you a small discount if you've recently completed a driver's training course.
- If you have a period where you don't have any insurance coverage, that's called a lapse. The longer the lapse, the more you'll pay to reinstate coverage.
- If you own a home, you may get a break on your car insurance. Home ownership demonstrates financial responsibility.
- If you belong to a professional organization, check to see if that can earn you a discount. If you're over the age of 55, check to see if they have a senior citizen discount as well.
- One of the easiest ways to cut your rates is to increase your comprehensive and collision deductibles. By having a higher deductible like $500 or even $1,000, you can save 30% or more on physical damage coverage.
- Teen drivers have a tendancy to learn the hard way when driving, and that means having a few fender-benders. Rating them on a high profile newer vehicle can be very expensive so you might consider buying an older model vehicle for them to drive and only insure it with liability coverage.
- Speeding and other minor violations can impact your car insurance rates for up to three years. The increased cost can easily exceed the fine and court costs for the original ticket.
- Most Saturn vehicles come with standard safety features such as air bags and passive restraints, and those will help keep your insurance costs down.
- Filing small claims will get you into hot water with your insurance company. Frequent filers will often find themselves either paying higher rates or non-renewed at renewal time.
- Reduce your rates by buying a car that is not a hot model for car thieves. Certain makes and models are more tempting than others, and high-frequency stolen vehicles get charged a higher rate.
Step Three: Select the Best Company for Your Needs
If you have found a good price by comparing quotes and also made informed decisions regarding policy limits, deductibles and other policy options that are available, you can now purchase the policy and bind coverage.
It's easiest to cancel an old policy at the renewal date, but you can cancel it anytime. Just make sure you have the new policy effective the date you cancel your old policy in order to avoid any lapse in coverage.
Coverage will extend from your current policy if you're buying a Saturn SL, but if you don't have a policy, you will need to make sure you have coverage in place before you drive it off the dealership lot. Anytime you buy a vehicle, you want to make sure coverage is in place before driving off the lot. If you have a policy now, you will have at least liability coverage. But if you don't insure any vehicles with full coverage, then you will put your new SL at risk as soon as you drive away.
Once you have purchased your policy, print out the insurance card that must go in your vehicle. This card fulfills the state law requiring you to prove financial responsibility. SR-22 filings are for high risk drivers and ensure that you have met your state's financial responsibility requirements. If you have DUI, DWI or uninsured accident convictions, you may have to file an SR-22 with your state DMV.
For More Information
The Insurance Information Institute is the industry authority for consumer car insurance information.
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