Guide to Buying Saturn SL2 Insurance for Less
If finding the lowest rate on car insurance was easy, most people would have no trouble paying less. But we always seem to pay too much for coverage and most people would rather go to the dentist. Finding affordable coverage for your Saturn SL2 probably is no different.
Step One: Compare Online Rate Quotes
The antiquated method of shopping for car insurance included a high pressure visit to the office of your local insurance agent. Life has gotten easier!
Almost every car insurance company now offers online quotes, and you can actually get insurance quotes for a Saturn SL2 without even visiting their websites!
Compare rates now by clicking the link below. In just a few minutes you'll have a good idea of what insurance will cost for your Saturn SL2.
Use the Same Coverages! It's really important that when doing multiple quotes for your SL2 that you use identical coverages for liability, comprehensive and collision. If you use different values, it's impossible to determine which company has the lower rates.
Step Two: Techniques to Lower your SL2 Insurance Rates
How much impact insuring your Saturn has on your wallet is controlled by many different factors. Here are some ways to reduce the negatives and improve the positives.
- If your city or county offers a driver's safety course, find out if your insurance company will give you a discount to complete it. It could save you up to 10%.
- If you are a senior citizen or belong to a particular professional organization, you may qualify for a break on insurance.
- Teen drivers are expensive to insure and the only way to lower your rates is to rate them on an older vehicle with basic liability coverage.
- Small claims that may only exceed your physical damage deductibles by a small amount are better off not being submitted to your company. Just pay the extra hundred dollars or two and keep a claim-free discount on your policy.
- If you're not sure what your credit rating is, check it now. Car insurance companies use your credit score to determine the rates you pay, so the better your credit, the less you will pay.
- If you are a renter rather than a homeowner, you might pay a little more to insure your car. Owning a home takes financial repsonsibility and insurance companies reward those policy holders.
- 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.
- If your vehicle comes with safety features such as electronic stability control, head restraints, all-wheel drive or air bags, these all help keep insurance costs down by helping reduce accident injuries.
- If you have a speeding ticket or other moving violation, you could be charged more for insurance. If you get a ticket, find out if your county or state offers a defensive driving course that will void the ticket upon completion.
- Letting your car insurance expire without having new coverage in place is called a "lapse" and will cause your next policy premiums to be higher.
- Auto theft is a big problem that costs us all money, but if your car is on the list of the most frequently stolen autos, you might be paying a little extra because of the temptation to thieves.
Step Three: Buy the Policy That's Right for You
Car insurance is pretty easy to buy online, but you do need to be aware that it is a legally binding contract. You need to have funds available for a down payment as well as review your coverages for any insufficiencies.
If you're cancelling an old policy, make sure the new coverage starts the same day your old policy ends. This avoids any penalty for having a lapse in coverage which can cost you more.
When buying a new vehicle, coverage will extend from your existing policy. But if you don't have a car insurance policy, you will want to make sure you have coverage BEFORE you drive off the lot. Be sure to have a new policy ready to go if you are buying a new SL2. If you've never had car insurance or don't have a policy now, you won't have any protection on the vehicle until you add it to your policy.
Your insurance company will provide you with proof-of-insurance forms to keep in your vehicle. It's required by state law to carry at least the state minimum liability limits. An SR-22 filing may be required by your state's DMV if you've been convicted of a serious driving offense such as DUI, DWI or reckless driving. If this applies to you, make sure the car insurance company complies with the SR-22 requirement.
Car Insurance Resources
The Insurance Information Institute website has a great library of car insurance topics that cover claims, replacement parts, rental cars and more.
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