Buyers have many options when searching for affordable Saturn SL1 insurance. You can either spend your time struggling with agents trying to get quotes or utilize the internet to compare rates. There are both good and bad ways to buy auto insurance so we’re going to tell you the best way to price shop coverage on a Saturn and obtain the lowest possible price either online or from local insurance agents.
Finding the best rates is not rocket science. If you have car insurance now, you stand a good chance to be able to save some money using these methods. Vehicle owners just need to understand the best way to compare prices online.
Discounts can really help to save
Car insurance can cost a lot, but discounts can save money and there are some available that can drop the cost substantially. Many discounts should be triggered at the time you complete a quote, but a few must be asked about before they will apply.
- Buy New and Save – Insuring a new car is cheaper compared to insuring an older model.
- Driver Safety – Taking time to complete a course in driver safety could save 5% or more if you qualify.
- Smart Student Discounts – A discount for being a good student may save as much as 25% on a . Earning this discount can benefit you until age 25.
- Policy Bundle Discount – If you can combine your homeowners and auto policy with one insurance company you may earn approximately 10% to 15%.
- Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to buckle up can save a little off the personal injury premium cost.
- Early Payment Discounts – If paying your policy premium upfront instead of paying each month you could save 5% or more.
- Driver’s Education for Students – Teen drivers should enroll and complete driver’s education as it will make them better drivers and lower rates.
- Passive Restraints and Air Bags – Factory options such as air bags or automatic seat belts can receive discounts of 25 to 30%.
- Drive Safe and Save – Drivers who don’t get into accidents can save as much as half off their rates for SL1 insurance than their less cautious counterparts.
- Professional Memberships – Joining a professional or civic organization may earn a discount on your bill.
Remember that most of the big mark downs will not be given to the entire policy premium. Most only cut specific coverage prices like medical payments or collision. Despite the fact that it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.
A few popular companies and a summarized list of policyholder discounts can be found below.
- 21st Century offers discounts for theft prevention, early bird, student driver, good student, 55 and older, and air bags.
- State Farm may include discounts for multiple autos, driver’s education, multiple policy, Steer Clear safe driver discount, and safe vehicle.
- AAA offers premium reductions for good driver, multi-policy, good student, anti-theft, education and occupation, AAA membership discount, and multi-car.
- Liberty Mutual policyholders can earn discounts including preferred payment discount, new graduate, hybrid vehicle, good student, new vehicle discount, exclusive group savings, and safety features.
- Progressive has discounts for online quote discount, online signing, multi-policy, multi-vehicle, and good student.
Before you buy a policy, ask all companies you are considering how many discounts you can get. Discounts may not be available in your area. If you would like to view companies with the best auto insurance discounts, click here to view.
Get More Affordable Auto Insurance with These Tips
One of the most helpful ways to save on auto insurance is to to have a grasp of the different types of things that play a part in calculating auto insurance rates. If you have some idea of what impacts premium levels, this enables you to make decisions that can help you get much lower annual insurance costs. Lots of factors are considered when quoting car insurance. Most are fairly basic such as your driving history, but some are less obvious like your continuous coverage or how financially stable you are.
- Deter theft and save – Purchasing a vehicle that has an advanced theft prevention system can earn a premium discount. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft and help bring rates down.
- Better premiums on cars with good safety ratings – Vehicles with high crash test scores cost less to insure. Highly rated vehicles reduce occupant injuries and any reduction in injury severity means less claims paid passed on to you as lower rates.
- Cheaper rates after marriage – Being married actually saves money on your auto insurance policy. It is viewed as being more responsible and it’s statistically proven that married drivers get in fewer accidents.
- Excellent credit scores equal low premiums – Your credit score can be an important factor in determining what you pay for auto insurance. People with high credit scores tend to be less risk to insure than those with poor credit scores. If your credit rating can be improved, you could pay less to insure your Saturn SL1 by spending a little time repairing your credit.
- Careless drivers pay higher premiums – A bad driving record has a big impact on rates. Even a single moving violation can boost insurance rates by as much as thirty percent. Careful drivers pay lower auto insurance prices compared to drivers with tickets. Drivers with multiple violations such as reckless driving or DUI may find that they have to to submit a SR-22 form with their state DMV in order to legally drive.
- Guys tend to take more risk – Statistics have proven that men are more aggressive behind the wheel. That doesn’t necessarily mean that males are worse at driving than females. Females and males tend to get into accidents at about the same rate, but men cause more damage and cost insurance companies more money. Men also tend to have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly. Males from age 16 to 21 tend to get in the most accidents so they pay the highest premiums.
- How much liability coverage – The liability coverage on your policy kicks in if you are determined to be liable for physical damage or personal injury to other. Your liability coverage provides legal defense coverage to defend your case. It is affordable coverage compared to insuring for physical damage coverage, so drivers should carry high limits.
Save $433 a year! What?
Consumers can’t get away from ads that claim the best car insurance rates from the likes of GEICO, State Farm and Progressive. They all try to convey promises about how much you will save just by moving to them.
How does each company claim to save you money? It’s all in the words they use.
Insurance companies have specific guidelines for the type of driver that is profitable for them. A good example of a desirable insured may need to be over the age of 35, has no prior claims, and drives less than 5,000 miles a year. Any driver who fits that profile will probably get the lowest rates and therefore will save money with a new company.
Potential customers who fall outside these criteria may be required to pay more expensive rates and business going elsewhere. If you listen to the ad wording, they say “customers that switch” not “everyone who quotes” save that kind of money. That’s why insurance companies can claim big savings. This emphasizes why drivers must compare often. It’s just not possible to know which company will have the best rates.
Keep this in mind
A few companies don’t offer online rate quotes regional insurance providers only sell coverage through independent agents. Cheaper Saturn SL1 insurance is definitely available both online and from local agencies, and you should compare price quotes from both to get a complete price analysis.
As you , it’s not a good idea to skimp on critical coverages to save a buck or two. In many cases, an accident victim reduced collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.
We’ve covered many ways to reduce Saturn SL1 insurance car insurance rates online. It’s most important to understand that the more companies you get premium rates for, the higher your chance of finding . Consumers could even find that the lowest car insurance rates are with a smaller regional carrier.
