Consumers have a choice when looking for low-cost Saturn SW2 insurance. They can either spend hours driving around to compare prices or use the internet to compare rates.
There are both good and bad ways to compare auto insurance rates so you’re going to learn the absolute fastest way to price shop coverage on a Saturn and find the lowest price either online or from local insurance agents.
Cut your auto insurance rates with these 5 discounts
Car insurance can cost a lot, but you may find discounts that many people don’t even know exist. Certain discounts will be triggered automatically at the time of quoting, but less common discounts must be asked for before you get the savings. If they aren’t giving you every credit you deserve, you are paying more than you should be.
- E-sign – A few companies will give a small break for buying a policy and signing up on their website.
- Student in College – Youth drivers living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
- Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance from them.
- Safety Course Discount – Completing a driver safety course can save you 5% or more if you qualify.
- Discount for Swiching Early – A few companies offer discounts for switching to them before your current expiration date. The savings is around 10%.
Consumers should know that some of the credits will not apply to your bottom line cost. Most only cut individual premiums such as physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, it doesn’t quite work that way. Any amount of discount will reduce the cost of coverage.
For a list of providers with the best auto insurance discounts, click here.
How to Compare Auto Insurance Rates
There are a variety of methods to compare auto insurance quotes, but one way is less time-consuming than others. You can spend countless hours discussing policy coverages with insurance companies in your area, or you can stay home and use online quoting to get prices fast.
Most major companies are enrolled in a marketplace where prospective buyers complete one form, and at least one company then returns a price quote based on the submitted data. This system prevents you from having to do repetitive form submissions for each company.
To enter your information into the quoting system, click here (opens in new window).
The one downside to using this type of system is you don’t know exactly the insurers to receive prices from. If you wish to select individual companies to compare, we have a page of the cheapest auto insurance companies in your area. Click here for list of insurance companies.
Which method you use is up to you, but make sure you use exactly the same information for each price quote. If you have higher or lower deductibles then you won’t be able to determine the lowest rate for your Saturn SW2.
You are unique and your auto insurance should be too
When buying adequate coverage, there really is no one size fits all plan. Everyone’s situation is a little different.
Here are some questions about coverages that may help highlight if your situation may require specific advice.
- Who is covered when they drive my Saturn SW2?
- Am I covered when pulling a rental trailer?
- How can I get high-risk coverage after a DUI?
- Do I get a pro-rated refund if I cancel my policy early?
- What should my uninsured motorist coverage limits be in my state?
- Is pleasure use cheaper than using my Saturn SW2 to commute?
- Do I need PIP (personal injury protection) coverage in my state?
- What can I do if my company won’t pay a claim?
- When would I need additional glass coverage?
- Does my insurance cover damage caused when ticketed for reckless driving?
If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and may give you better protection.
Parts of your auto insurance policy
Learning about specific coverages of your auto insurance policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.
Auto collision coverage
This coverage pays for damage to your SW2 resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims like colliding with a tree, rolling your car, sustaining damage from a pot hole and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.
Comprehensive or Other Than Collision
This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things like a tree branch falling on your vehicle, fire damage, a broken windshield and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
UM/UIM Coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Saturn SW2.
Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Auto liability insurance
Liability insurance protects you from damage that occurs to people or other property. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.
Liability coverage pays for things like medical expenses, medical services, legal defense fees and structural damage. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.
Medical costs insurance
Med pay and PIP coverage provide coverage for immediate expenses for things like dental work, hospital visits, funeral costs, EMT expenses and nursing services. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible
And the best car insurance company is…
Cost effective Saturn SW2 insurance is available online in addition to many insurance agents, so compare prices from both in order to have the best price selection to choose from. Some companies do not provide online quoting and most of the time these smaller companies sell through independent agents.
Consumers switch companies for many reasons like policy non-renewal, an unsatisfactory settlement offer, policy cancellation and questionable increases in premium. Regardless of your reason for switching companies, choosing a new insurance company can be less work than you think.
You just learned a lot of information how to save on Saturn SW2 insurance. The key thing to remember is the more times you quote, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest premiums are with a small local company.
