Saturn SC Insurance – 10 Tricks to Save Money

Finding better insurance prices for a new or used Saturn SC could be difficult, but you can learn the following methods and make it easy. There are more efficient ways to compare car insurance rates and we’ll show you the proper way to get price quotes on a Saturn and locate the lowest price from both online companies and local agents.

Car insurance policy discounts you can’t miss

Companies that sell car insurance don’t necessarily list every possible discount very well, so we break down both well-publicized as well as the least known car insurance savings.

Accident Forgiveness Coverage – This one isn’t a discount, but some insurance companies will turn a blind eye to one accident without raising rates so long as you haven’t had any claims for a specific time period.
Early Switch Discount – Some larger companies reward drivers for buying a policy prior to your current policy expiration. Ten percent is about the average savings.
Defensive Driver Discount – Successfully completing a course in defensive driving could possibly earn you a 5% discount and easily recoup the cost of the course.
E-sign – Certain companies will discount your bill up to fifty bucks online.
Discounts for Government Workers – Being employed by or retired from a federal job may reduce rates when you on SC coverage with some car insurance companies.
Anti-lock Brakes – Cars and trucks with ABS braking systems or traction control prevent accidents and the ABS can save up to 10%.
Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn lower premium rates if you buy auto and life insurance together.
Own a Home and Save – Being a homeowner may earn you a small savings due to the fact that maintaining a home is proof of financial responsibility.
Military Rewards – Having a deployed family member could be rewarded with lower premium rates.
Distant Student – Youth drivers who are attending college without a vehicle on campus could qualify for this discount.

We need to note that most credits do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as comp or med pay. So despite the fact that it appears you could get a free car insurance policy, you aren’t that lucky.

Companies and the discounts they provide are detailed below.

State Farm includes discounts for driver’s education, good driver, anti-theft, defensive driving training, multiple autos, passive restraint, and student away at school.
Esurance discounts include safety device, good driver, anti-theft, online quote, DriveSense, and paid-in-full.
Progressive offers discounts for multi-policy, homeowner, online signing, multi-vehicle, and online quote discount.
Liberty Mutual may have discounts that include multi-car, new move discount, teen driver discount, good student, new graduate, and new vehicle discount.
Auto-Owners Insurance has savings for paperless, paid in full, anti-theft, anti-lock brakes, and good student.
GEICO offers premium reductions for driver training, seat belt use, daytime running lights, five-year accident-free, emergency military deployment, military active duty, and defensive driver.

If you need lower rates, check with every insurance company which discounts can lower your rates. Some of the discounts discussed earlier may not apply to policyholders in your area. To see car insurance companies with discount car insurance rates, click this link.

How to compare car insurance quotes

Shopping for lower car insurance rates can be challenging if you aren’t aware of the most efficient way to do it. You could spend your day talking about coverages with agents in your area, or you can utilize online quotes to maximize your effort.

Many of the larger companies are enrolled in a marketplace where insurance shoppers send in one quote, and each company then returns a price quote based on that information. This eliminates the need for quote requests for each company you want a rate for. To compare rates using this form now click here to start a free quote.

The only downside to getting quotes like this is that you can’t choose which providers to get quotes from. If you would rather choose specific insurance companies to compare rates, we have assembled a list of the cheapest car insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just double check that you are using the same quote data for each comparison quote. If you compare mixed coverages it will be nearly impossible to make an equal comparison. Slightly different coverages may result in a large different in cost. And when price shopping your coverage, comparing more rates from different companies provides better odds of finding a lower rate than you’re paying now.<img class="alignright" style="padding-top:15px" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/ci175-38.jpg" alt=" insurance quotes” />

Car insurance policy coverages for a Saturn SC

Knowing the specifics of your policy can help you determine the right coverages and the correct deductibles and limits. Car insurance terms can be impossible to understand and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for short-term medical expenses such as EMT expenses, pain medications and nursing services. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover you and your occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Saturn SC.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for collisions

This coverage covers damage to your SC from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like backing into a parked car, crashing into a ditch and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Liability

This protects you from injuries or damage you cause to other people or property that is your fault. 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 might see limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as legal defense fees, court costs, pain and suffering and structural damage. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Comprehensive insurance

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hail damage, damage from flooding, theft, hitting a bird and a tree branch falling on your vehicle. The maximum amount 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.

Online plus local equals savings

When shopping online for car insurance, don’t be tempted to skimp on coverage in order to save money. Too many times, someone dropped comprehensive coverage or liability limits only to regret that they should have had better coverage. Your goal is to buy a smart amount of coverage at the lowest possible cost but still have enough coverage for asset protection.

Budget-conscious Saturn SC insurance can be bought both online in addition to local insurance agencies, and you should compare price quotes from both to have the best rate selection. Some insurance companies may not provide rates over the internet and usually these regional insurance providers prefer to sell through local independent agencies.

In this article, we covered a lot of information how to compare Saturn SC insurance premium rates online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest premium rates come from some of the lesser-known companies.