Finding low-cost insurance for a Saturn SL2 can normally be a painful process, but you can use a few tricks to find lower rates. There is a better way to compare auto insurance rates and we’ll show you the best way to compare rates for a new or used Saturn and obtain the best price possible from local insurance agents and online providers.
It’s a great practice to shop coverage around before your policy renews because rates are usually higher with each renewal. Just because you found the best deal on SL2 insurance on your last policy other companies may now be cheaper. Forget all the misinformation about auto insurance because we’re going to demonstrate the easiest way to eliminate unnecessary coverages and save money.
Buying car insurance is not rocket science. Basically, everyone who carries auto insurance will most likely be able to reduce their rates. But car owners should learn how companies determine prices.
Policy discounts you shouldn’t miss
Companies offering auto insurance don’t always advertise all available discounts very clearly, so here is a list both well-publicized as well as the least known savings tricks you should be using.
- Claim Free – Claim-free drivers can earn big discounts as compared to accident-prone drivers.
- Organization Discounts – Being a member of a professional or civic organization may earn a discount on auto insurance on SL2 insurance.
- Air Bag Discount – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 20% or more.
- Life Insurance – Companies who offer life insurance give a break if you buy a life insurance policy as well.
- Paperless Signup – Certain companies will give a small break for buying your policy over the internet.
- New Car Discount – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
- Early Signing – A few companies offer discounts for buying a policy prior to your current policy expiration. This can save 10% or more.
- Multiple Vehicles – Having multiple vehicles on one policy may reduce the rate for each vehicle.
Drivers should understand that most credits do not apply to the entire cost. Some only reduce specific coverage prices like liability and collision coverage. So when it seems like it’s possible to get free car insurance, it just doesn’t work that way.
To choose companies with the best auto insurance discounts, follow this link.
How to Compare Auto Insurance
Effectively comparing auto insurance prices can be challenging if you don’t utilize the fastest way to get free quotes. You could waste a few hours discussing policy coverages with insurance agencies in your area, or you could save time and use the web to maximize your effort.
Most major companies participate in an industry program that allows shoppers to complete one form, and each company returns a competitive quote based on that information. This eliminates the need for quote requests to each company.
To find out what other companies charge click to open in new window.
The single downside to getting quotes like this is you don’t know exactly which carriers to get quotes from. So if you prefer to pick individual companies to receive pricing from, we have a listing of low cost auto insurance companies in your area. Click here for list of insurance companies.
However you get your quotes, compare identical quote information with each company. If you compare different values for each quote you will not be able to decipher which rate is best. Just a small difference in coverage limits may cause a big price difference. Just remember that comparing a large number of companies helps locate lower pricing.
Insurance agents can help
When buying coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s needs are different.
For example, these questions could help you determine if you may require specific advice.
- Is pleasure use cheaper than using my Saturn SL2 to commute?
- Should I sign the liability waiver when renting a car?
- Is my dog or cat covered if injured in an accident?
- Am I getting all the discounts available?
- How high should my medical payments coverage be?
- Will I be non-renewed for getting a DUI or other conviction?
- Should I file a claim if it’s only slightly more than my deductible?
- Do I benefit by insuring my home with the same company?
- Is my custom paint covered by insurance?
- Does medical payments coverage apply to all occupants?
If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form.
Car insurance coverages for a Saturn SL2
Knowing the specifics of auto insurance can help you determine the right coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement.
Collision coverage
This coverage will pay to fix damage to your SL2 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as crashing into a ditch, sustaining damage from a pot hole and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.
Comprehensive auto coverage
Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like a broken windshield, vandalism and hitting a deer. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Medical payments and PIP coverage
Medical payments and Personal Injury Protection insurance pay for immediate expenses such as nursing services, X-ray expenses, doctor visits, rehabilitation expenses and dental work. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage
UM/UIM (Uninsured/Underinsured Motorist) coverage
This provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.
Liability car insurance
This coverage will cover injuries or damage you cause to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.
Liability can pay for claims such as emergency aid, medical services and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.
Buy online or local, you save
As you go through the steps to switch your coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed full coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.
Insureds leave their current company for many reasons like unfair underwriting practices, being labeled a high risk driver, lack of trust in their agent or even high rates after DUI convictions. It doesn’t matter what your reason, choosing a new company can be easier than you think.
We’ve covered many ways to shop for Saturn SL2 insurance online. The key thing to remember is the more times you quote, the better your comparison will be. You may even discover the best prices are with the smaller companies.
