Drivers have options when trying to find the best price on Saturn Astra insurance. They can either waste time struggling with agents to compare prices or leverage the internet to compare rates. There is a better way to shop for car insurance and you need to know the best way to get price quotes on a Saturn and get the best price possible from local insurance agents and online providers.
More discounts equal less premium
Companies offering auto insurance don’t always list every discount in an easy-to-find place, so we break down some of the best known and also the lesser-known car insurance savings. If they aren’t giving you every credit available, you are paying more than you should be.
- Driver’s Ed – Have your child enroll in driver’s education if offered at their school.
- Low Mileage Discounts – Low mileage vehicles can earn better rates on cars that stay parked.
- One Accident Forgiven – Some insurance companies permit an accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
- Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
- Military Rewards – Being deployed with a military unit can result in better rates.
- No Accidents – Drivers with accident-free driving histories pay less as compared to frequent claim filers.
- Discount for New Cars – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
- Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
- Bundle and Save – When you combine your home and auto insurance with the same insurance company you may earn 10% to 20% off each policy.
A little note about advertised discounts, most discount credits are not given to your bottom line cost. Most only apply to specific coverage prices like collision or personal injury protection. So even though they make it sound like you can get free auto insurance, you’re out of luck.
To choose insurers with discount car insurance rates, click here to view.
Comprehensive Car Insurance Comparison
There are multiple methods to compare car insurance quotes, but one way is less labor-intensive and much quicker. You can waste hours discussing policy coverages with insurance companies in your area, or you could save time and use online quoting to get rate comparisons in just a few minutes.
Many of the larger companies belong to an insurance system where prospective buyers enter their coverage request one time, and each company then returns a price quote determined by their information. This eliminates the need for quote requests to each company.
To find out how much you can save on car insurance click here (opens in new window).
The one downside to using this type of system is that consumers can’t choose which providers you will receive quotes from. So if you want to select specific insurance companies to compare prices, we put together a list of car insurance companies in your area. Click here to view list.
It doesn’t matter which method you choose, just make darn sure you compare exactly the same quote information for each comparison quote. If each company quotes differing limits it will be impossible to truly determine the lowest rate.
Your Saturn Astra insurance rate is a complex equation
Consumers need to have an understanding of the different types of things that come into play when calculating car insurance rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that can help you get much lower annual insurance costs.
The list below includes some of the factors used by your company to calculate your rates.
- Do you have a high stress job? – Jobs such as judges, executives and financial analysts are shown to have higher average rates attributed to job stress and lengthy work days. Conversely, professions such as pilots, engineers and retirees pay the least on Astra insurance.
- Older drivers save more – More mature drivers are more cautious drivers, tend to file fewer claims and tend to be better behind the wheel. Youthful drivers have a tendency to get distracted easily when driving therefore car insurance rates are much higher.
- Low deductibles can be expensive – The deductibles represent how much money you are required to spend before a claim is paid by your company. Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. A few examples of covered claims could be colliding with a building, damage caused by hail, and burglary. The higher the amount you have to pay, the less your company will charge you for insurance on Astra insurance.
- Choose a safe vehicle and save – Vehicles with good safety scores are cheaper to insure. These vehicles have better occupant injury protection and lower injury rates means lower claim amounts and more competitive rates for policyholders. If your Saturn Astra scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
- The type of vehicle makes a difference – The make and model of the car you are insuring makes a huge difference in determining your rates. The most favorable rates are usually for small economy passenger cars, but there are many factors that impact the final cost. Since the Saturn Astra is a sedan, insurance will be about the same when compared to the average rates.
- Keep rates low by being claim-free – Car insurance companies provide discounts to people who file claims infrequently. If you file claims often, you can definitely plan on higher rates. Auto insurance is designed for the large, substantial claims.
- More than one policy can earn a discount – Some insurers provide better rates to policyholders who buy several policies from them. It’s known as a multi-policy discount. Discounts can be five, ten or even twenty percent. If you currently are using one company, you still need to comparison shop to confirm you are receiving the best rates possible. Drivers may still find a better deal by buying car insurance from a different company.
- Cautious drivers pay less – Good drivers get better rates than people who have multiple driving citations. Even a single speeding ticket can increase rates by as much as thirty percent. Drivers who get severe violations like DWI, reckless driving or hit and run convictions may be required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to drive a vehicle legally.
It’s not one size fits all
When it comes to choosing coverage for your personal vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.
For example, these questions may help you determine whether or not you will benefit from professional help.
- Are split liability limits better than a combined single limit?
- Does my policy pay for OEM or aftermarket parts?
- Do I need to file an SR-22 for a DUI in my state?
- How much liability do I need to cover my assets?
- Do I need PIP coverage since I have good health insurance?
- Why am I be forced to buy a membership to get insurance from some companies?
- Does my car insurance cover rental cars?
- Why does it cost so much to insure a teen driver?
- Should I buy more coverage than the required minimum liability coverage?
If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.
Don’t believe everything you hear
Consumers get pounded daily by advertisements for car insurance savings by companies like Allstate, GEICO and Progressive. All the ads say the same thing of big savings if you switch to them.
How can each company make almost identical claims? It’s all in the numbers.
Insurance companies have a certain “appetite” for the driver that makes them money. An example of a driver they prefer could possibly be over the age of 40, has no prior claims, and has excellent credit. A driver that hits that “sweet spot” will get the preferred rates and most likely will save a lot of money.
Potential customers who don’t meet this ideal profile will be charged a higher premium and ends up with business not being written. The ad wording is “people who switch” not “everybody who quotes” save that much money. This is how companies can truthfully advertise the way they do. That is why it’s extremely important to quote coverage with many companies. It’s just too difficult to predict which car insurance company will fit your personal profile best.
What is YOUR best insurance company?
You just read many ideas to shop for Saturn Astra insurance online. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may be surprised to find that the lowest premiums are with an unexpected company.
As you prepare to switch companies, it’s very important that you do not skimp on critical coverages to save a buck or two. Too many times, an insured cut collision coverage and found out when filing a claim they didn’t purchase enough coverage. Your goal should be to buy enough coverage at an affordable rate, not the least amount of coverage.
Insureds leave their current company for many reasons like denial of a claim, not issuing a premium refund, extreme rates for teen drivers and unfair underwriting practices. Whatever your reason, choosing a new insurance company can be easier than you think.
