Finding Cheaper Car Insurance for a Saturn Aura Made Easy

Drivers have lots of choices when trying to find affordable Saturn Aura insurance. They can either waste time calling around getting price quotes or save time using the internet to compare rates. There are both good and bad ways to buy car insurance and you need to know the proper way to compare rates on a Saturn and locate the best price possible either online or from local insurance agents.

Discounts to earn lower car insurance rates

Insurance can cost an arm and a leg, but you may qualify for discounts that could help you make your next renewal payment. Some trigger automatically when you get a quote, but less common discounts must be asked for prior to receiving the credit.

College Student Discount – living away from home attending college and do not take a car to college may qualify for this discount.
Driver Education Discount – Cut your cost by having your teen driver enroll and complete driver’s education in school.
Theft Deterent System – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft so companies will give you a small discount.
Good Drivers – Drivers who don’t get into accidents may save up to 50% more on Aura coverage than drivers with accident claims.
No Charge for an Accident – This one isn’t a discount, but some insurance companies will let one accident slide without the usual rate increase if your claims history is clear before the accident.
Paper-free Discount – Some companies will give you a small discount on your computer.
Own a Home – Just being a homeowner can get you a discount because of the fact that having a home demonstrates responsibility.
Drive Less and Save – Driving fewer miles can earn slightly better prices than normal.

Drivers should understand that most discount credits are not given to the entire policy premium. Most only reduce individual premiums such as liability and collision coverage. Even though it may seem like you could get a free car insurance policy, insurance companies wouldn’t stay in business. Any amount of discount will cut the amount you have to pay.

A list of car insurance companies and their offered discounts are detailed below.

State Farm has savings for anti-theft, student away at school, multiple policy, passive restraint, defensive driving training, and accident-free.
GEICO may have discounts that include multi-vehicle, emergency military deployment, multi-policy, good student, and military active duty.
Liberty Mutual may offer discounts for good student, hybrid vehicle, preferred payment discount, exclusive group savings, safety features, teen driver discount, and multi-car.
The Hartford policyholders can earn discounts including defensive driver, bundle, vehicle fuel type, driver training, good student, air bag, and anti-theft.
MetLife includes discounts for multi-policy, defensive driver, claim-free, good driver, accident-free, and good student.
Progressive offers premium reductions for continuous coverage, multi-policy, multi-vehicle, homeowner, online signing, online quote discount, and good student.

Before purchasing a policy, check with all companies you are considering how many discounts you can get. Savings may not apply to policies in every state. To see a list of providers that offer many of these discounts, click here.

Insurance Rates are Influenced by These Factors

When buying car insurance it’s important to understand some of the factors that help determine your policy premiums. When you know what positively or negatively positively or negatively impacts your premiums, this empowers consumers to make smart changes that could help you find lower car insurance prices. Many things are part of the equation when quoting car insurance. Most are fairly basic like your driving record, although others are not quite as obvious such as your credit history or your commute time.

The items below are a few of the things utilized by car insurance companies to help set premiums.

Insurance rates and vehicle performance – The performance of the car, truck or SUV you need insurance for makes a huge difference in your rates. The lowest base rates are usually found on smaller low performance passenger vehicles, but your final cost has many other factors. Since the Saturn Aura falls in the sedan class, insuring your vehicle will cost about the same when compared to the average rates.
Insurance rates and driver gender – Statistics demonstrate that men are more aggressive behind the wheel. However, don’t assume that women are better drivers. Males and females cause accidents in similar numbers, but the male of the species have accidents that have higher claims. Men also tend to get cited for more serious violations like driving under the influence (DUI).
Never let your car insurance policy lapse – Driving without insurance coverage in place can get your license suspended and your next policy will cost more because you let your insurance coverage expire. In addition to paying higher premiums, not being able to provide proof of insurance will get you a steep fine or even jail time. You may need to file a SR-22 with your state motor vehicle department to get your license reinstated.
High deductibles lower prices – Insurance for physical damage, also called comprehensive and collision insurance, covers damage that occurs to your Saturn. Some coverage claims could be a broken windshield, damage from fire, and damage from a fallen tree branch. Comprehensive and collision coverage deductibles are the amount of money you are required to pay if the claim is covered. The more the insured has to pay upfront, the less money you will pay for car insurance on Aura coverage.
Costs may be higher where you live – Residing in smaller towns and rural areas of the country can save you money when insuring your vehicles. Residents of big cities have to deal with congested traffic and a longer drive to work. Fewer people translates into fewer accident claims in addition to lower liability claims
Low mileage costs less – The more you drive your Saturn each year the more you will pay for car insurance. A lot of companies price each vehicle’s coverage determined by how the vehicle is used. Vehicles that have low annual miles can be on a lower rate level than vehicles that have high annual mileage. Ask your agent if your policy states the proper vehicle usage. Incorrect rating for your Aura may be costing you.
Accidents mean higher costs – Being a careful driver has a lot to do with how much you pay for insurance. Good drivers pay less for auto insurance than bad drivers. Even one speeding ticket or other violation could increase your next policy renewal by as much as thirty percent. Drivers who get severe tickets like DUI or reckless driving may find they need to prove financial responsibility with their state motor vehicle department in order to prevent a license revocation.

Which is the best car insurance?

When choosing coverage for your vehicles, there is no best way to insure your cars. Every insured’s situation is different.

These are some specific questions may help highlight whether your personal situation could use an agent’s help.

Am I covered when driving a rental car?
Can I get a multi-policy discount for packaging my home and auto coverage?
Do I really need UM/UIM coverage?
Should I put collision coverage on all my vehicles?
Am I covered when driving on a suspended license?
What is high-risk coverage and where do I buy it?
Can I still get insurance after a DUI?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form. car insurance

Insurance agencies can find coverage gaps

Some consumers just prefer to get advice from a local agent and often times that is recommended One of the best bonuses of comparing rate quotes online is you may find lower rates and also buy local.

To help locate an agent, after submitting this quick form, your information is sent to participating agents who will return price quotes for your insurance coverage. You don’t have to leave your house because prices are sent immediately to your email address. You can get cheaper car insurance rates and work with a local agent. If for some reason you want to get a comparison quote for a specific company, you would need to jump over to their website and fill out the quote form the provide.

Finding the right insurer should include more criteria than just the bottom line cost. Before buying a policy, get answers to these questions.

Do the agents have professional certifications like CPCU or CIC?
Is the agency involved in supporting local community causes?
When do they do a full risk review?
Are there any extra charges for paying monthly?
Do the coverages you’re quoting properly cover your vehicle?
What is their Better Business Bureau rating?

Captive agents vs. Independent agents

If you want to buy car insurance from a good insurance agency, it can be helpful to understand the types of insurance agents and how they differ in how they can insure your vehicles. Car insurance agents are considered either independent agents or captive agents depending on their employer.

Captive Car Insurance Agents

Captive agents have only one company to place business with and examples are AAA, Allstate, and State Farm. They are unable to place coverage with different providers so keep that in mind. Captive agents receive extensive training on their products and sales techniques which helps offset the inability to provide other markets. Many people buy from captive agents partially due to loyalty to the company rather than having the cheapest rates.

Independent Agents

Agents in the independent channel do not sell for just one brand so they can insure your vehicles through lots of different companies and possibly get better coverage at lower prices. If they quote lower rates, your policy is moved internally and that require little work on your part.

When searching for an agent, we highly recommend that you get some free quotes from a couple of independent agencies to ensure the widest selection of prices. Most independent agents also contract with additional companies that you may not be familiar with that may have much lower rates than larger companies.

To see available insurance agents near you, click to locate an car insurance agency.

Do drivers who switch really save $489 a year?

Popular car insurance providers such as State Farm and Allstate constantly bombard you with television and radio advertisements. All the companies say the same thing that you can save if you switch your car insurance policy to them. Is it even possible that every company can have lower policy pricing? You have to listen carefully.

Insurance providers have underwriting criteria for the right customer that earns them a profit. For instance, this type of insured could be between 30 and 50, has a clean driving record, and drives a lower-performance vehicle. Any customer that matches those criteria may get the lowest auto insurance rates and will most likely save a lot of money.

Consumers who fall outside the ideal profile will probably have to pay higher rates which leads to the customer not purchasing. If you pay close attention to the ads, they say “drivers that switch” but not “all drivers who get quotes” save that much. This is how companies can truthfully make those claims. Because every company is different, drivers should get as many as possible. It’s impossible to know which insurance companies will have the best prices at this point in time.

Keep this in mind

Drivers who switch companies do it for a variety of reasons including denial of a claim, high rates after DUI convictions, policy non-renewal and even unfair underwriting practices. It doesn’t matter why you want to switch finding a new car insurance company can be pretty painless.

As you restructure your insurance plan, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut liability limits or collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy the best coverage you can find at the best cost while still protecting your assets.

You just learned a lot of information how to shop for Saturn Aura insurance online. It’s most important to understand that the more you , the higher the chance of saving money. Drivers may discover the most savings is with a lesser-known regional company.