Finding Cheaper Auto Insurance for a Saturn SL1 Made Easy

Are you drained from being strong-armed to insure your Saturn every month? You have the same problem as the majority of other vehicle owners. Due to the increasing number of insurance providers from which to choose, it is hard for the average consumer to pick the right auto insurance provider.

You should take the time to get comparison quotes before your next renewal due to the fact that insurance prices trend upward over time. Just because you had the best rates for SL1 coverage two years ago you can probably find a better premium rate now. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to one of the easiest ways to save money, get proper deductibles and limits, all at the lowest rate.

The purpose of this post is to familiarize you with the best way to quote coverages and some tricks to saving. If you have car insurance now, you should be able to lower your premiums substantially using this strategy. But consumers need to have an understanding of how insurance companies sell insurance online and take advantage of how the system works.

To find , there are several ways to compare prices from companies that offer auto insurance in your state. The best way to lower the rate you pay for Saturn SL1 insurance is to jump online and get quotes. This is quite simple and can be completed by using one of the methods below.

1. Hands down the most simple method consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This method eliminates the need for multiple quote forms for every auto insurance company. One quote request gets coverage cost estimates from multiple low-cost companies.
2. A more time consuming way to obtain and compare quotes online requires visiting each company’s website and get a separate price quote. For sake of this example, let’s assume you want to view quotes from Auto-Owners, Liberty Mutual and American Family. To find out each rate you need to spend time on each company’s site and punch in your information repeatedly, which is why the first method is more popular. To view a list of companies in your area, click here.
3. The most time-consuming way to do your price quoting is driving to and from local insurance agencies. Comparing rate quotes online eliminates the middleman unless your situation requires the professional assistance that only an agent can give. If you prefer, some companies allow you to compare online quotes but purchase the actual policy in an agency.

It’s up to you which method you use, but do your best to enter identical coverages and limits on every quote you get. If you enter different data it will be impossible to make a fair rate comparison. Even a minor difference in coverages could skew the results. Keep in mind that comparing a wide range of rates helps increase your odds of locating a lower rate.

How Your SL1 Insurance Rates are Determined

The best way to find cheaper auto insurance is to take a look at a few of the rating criteria that are used to determine the rates you pay for auto insurance. If you have some idea of what determines base rates, this allows you to make good choices that may reward you with cheaper rates. Multiple criteria are used in the calculation when you quote your car insurance policy. Some are pretty understandable such as traffic violations, although others are less obvious like your continuous coverage and annual miles driven.

The items below are some of the major factors utilized by car insurance companies to help set your prices.

• Low comp and collision deductibles mean high premiums – Insurance for physical damage to your car, also called ‘full coverage’, protects your Saturn from damage. Some examples of claims that would be covered could be colliding with a building, vandalism, and burglary. Your deductibles are how much you are required to spend if you file a covered claim. The more of the claim you choose to pay out-of-pocket, the bigger discount you will receive for SL1 coverage.
• Insure car and home with the same company – Many companies will give a discount to policyholders who carry more than one policy in the form of a multi-policy discount. Even if you’re getting this discount consumers should still shop around to make sure you are getting the best deal.
• Get better rates if married – Walking down the aisle may cut your premiums on your policy. Marriage generally demonstrates drivers are less irresponsible and insurance companies like that being married results in fewer claims.
• Premiums can be impacted by your employer – Do you have a high-stress occupation? Jobs like doctors, architects and accountants have the highest average rates attributed to high stress and extremely grueling work hours. Conversely, jobs such as farmers, students and homemakers pay the least for SL1 coverage.
• Liability protection is important – Your auto insurance policy’s liability coverage provides coverage when you are determined to be liable for damages caused by your negligence. Liability provides legal defense coverage which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so do not skimp.

Use discounts on insurance auto insurance

Auto insurance is not inexpensive, but you might find some hidden discounts that may help make it more affordable. Some trigger automatically when you get a quote, but less common discounts must be manually applied prior to getting the savings.

• Passenger Safety Discount – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts of 25 to 30%.
• Waiver for an Accident – Not necessarily a discount, but companies like State Farm, Progressive and GEICO allow you one accident before hitting you with a surcharge as long as you don’t have any claims prior to being involved in the accident.
• Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education if offered at their school.
• Paperwork-free – A handful of larger companies may give you up to $50 on their website.
• New Car Discount – Buying a new car instead of a used car may earn a small discount because newer models have to meet stringent safety requirements.
• Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to fasten their seat belts can save 10% or more off PIP or medical payments premium.
• No Claim Discounts – Insureds who avoid accidents and claims are rewarded with significantly better rates on compared to drivers who are more careless.
• ABS and Traction Control Discounts – Cars with anti-lock braking systems have fewer accidents and therefore earn up to a 10% discount.
• Active Military Service – Being deployed with a military unit could trigger a small discount.

A little note about advertised discounts, most discount credits are not given the the whole policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, nobody gets a free ride.

To view insurance companies with the best discounts, click this link.

You may need advice from an agent

Many drivers would rather go talk to an agent and doing so can bring peace of mind The biggest benefit of price shopping on the web is you may find cheap rate quotes and still buy from a local agent. And buying from local agencies is definitely important in small communities.

Once you complete this form (opens in new window), the coverage information is emailed to local insurance agents that provide for your coverage. You never need to leave your house since rate quotes are delivered to you directly. You’ll get the best rates and an insurance agent to talk to. If for some reason you want to get a comparison quote from a specific auto insurance provider, you just need to go to their quote page and give them your coverage information.

To easily contact a specific insurance agent in your state, link to this directory of auto insurance providers near you.

Finding the right company shouldn’t rely on just the price. The answers to these questions are important, too.

• What is the financial rating for the quoted company?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• Do you have coverage for a rental car if your vehicle is in the repair shop?
• Do you qualify for any additional discounts?
• How many years have they been established?
• Can they help ensure a fair claim settlement?
• Does the quote include credit and driving reports?
• Do the agents have professional certifications like CPCU or CIC?

Once you have good responses to any questions you have and locked in a price quote, you have narrowed it down to an insurer that is professional and can properly insure your vehicles.

Better coverage you can count on

Budget-friendly auto insurance is definitely available from both online companies as well as from independent agents in your state, so get from both of them in order to have the best price selection to choose from. Some companies do not provide online quoting and these small insurance companies work with independent insurance agencies.

We just presented many ways to save on Saturn SL1 insurance. The key thing to remember is the more companies you get car insurance rates for, the higher the chance of saving money. Drivers may discover the most savings is with an unexpected company. These smaller insurers may only write in your state and offer lower car insurance rates than the large multi-state companies such as Allstate, GEICO and Progressive.