Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Dec 15, 2017

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Want lower insurance rates for your Saturn S-Series? If you’re looking for cheaper insurance online, do you get confused by the dozens of insurance companies available to you? You have so many choices that it can be a real hassle to locate the lowest prices.

Get more affordable insurance premiums by understanding these factors

It’s important that you understand some of the things that help calculate your policy premiums. If you know what positively or negatively impacts your premiums, this enables informed choices that will entitle you to lower premium levels.

  • Your employer is a factor – Occupations like military personnel, executives and stock brokers usually pay higher average rates in part from high stress levels and lots of time spent away from family. Conversely, careers such as professors, engineers and performers get better rates on S-Series insurance.
  • Teenagers are high risk – Older people are proven to be safer behind the wheel, tend to cause fewer accidents .Drivers with little experience are proven to be inattentive when at the wheel of a vehicle so they pay higher auto insurance rates.
  • Policy add-ons could be costing you – Insurance policies have a lot of extra add-on coverages that you can buy if you aren’t careful. Coverage for things like personal injury protection, accidental death, and term life insurance are some examples. The coverages may be enticing when buying your policy, but if they’re wasting money think about removing them and cutting costs.
  • Liability insurance is critical – The liability coverage on your policy will provide protection in the event that you are ruled to be at fault for damages caused by your negligence. This coverage provides for a legal defense which can cost a lot. It is affordable coverage when compared to the cost of physical damage coverage, so do not cut corners here.

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These discounts can slash insurance coverage rates

Not too many consumers would say insurance coverage is affordable, but you might find some hidden discounts to help bring down the price. Certain credits will be shown when you quote, but a few must be specially asked for before you will receive the discount.

  • Cautious Driver Discount – Accident-free drivers can pay as much as 50% less on S-Series insurance than their less cautious counterparts.
  • Telematics Devices – Insureds who allow their insurance company to track where and when they drive by installing a telematics device such as State Farm’s In-Drive might see lower rates if they show good driving skills.
  • Multi-Vehicle Discounts – Purchasing coverage when you have primary and secondary vehicles with the same company could earn a price break for each car.
  • Federal Government Employee – Federal government employees can earn a discount up to 10% on S-Series insurance depending on your company.
  • Safety Course Discount – Passing a defensive driver course could cut 5% off your bill and also improve your driving technique.
  • Auto/Home Discount – If you combine your auto and home policies with one insurance company you may save nearly 15% which can help you find cheap insurance.
  • Early Switch Discount – Some insurance companies provide a discount for signing up early. It could save around 10% when you buy insurance online.
  • Lower Rates for Military – Having a family member in the military could qualify you for better rates.

Policy discounts save money, but most discounts do not apply to the overall cost of the policy. Some only apply to individual premiums such as comp or med pay. Despite the appearance that you would end up receiving a 100% discount, you won’t be that lucky.

A list of insurance coverage companies and some of their more popular discounts are included below.

  • The Hartford offers premium reductions for driver training, bundle, anti-theft, defensive driver, good student, vehicle fuel type, and air bag.
  • American Family offers discounts for early bird, mySafetyValet, good student, defensive driver, Steer into Savings, and TimeAway discount.
  • Progressive includes discounts for continuous coverage, multi-policy, good student, multi-vehicle, and online signing.
  • Travelers has discounts for hybrid/electric vehicle, continuous insurance, new car, good student, IntelliDrive, home ownership, and early quote.
  • Farmers Insurance policyholders can earn discounts including alternative fuel, teen driver, switch companies, youthful driver, pay in full, homeowner, and early shopping.
  • USAA offers discounts including safe driver, new vehicle, military installation, multi-policy, and annual mileage.
  • Liberty Mutual has savings for preferred payment discount, newly married, new vehicle discount, newly retired, teen driver discount, multi-policy, and multi-car.

Before you buy a policy, ask each insurance company which discounts can lower your rates. Discounts may not apply to policies in your area.

When do I need an agent’s advice?

When it comes to buying coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions can help discover if your insurance needs might need an agent’s assistance.

  • Why am I required to buy liability insurance?
  • What if I total my 1992 Saturn S-Series and owe more than it’s worth?
  • Is my custom paint covered by insurance?
  • What is roadside assistance coverage?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered if hit by an uninsured driver?
  • Does my policy cover me when driving someone else’s vehicle?
  • Should I drop comprehensive coverage on older vehicles?
  • I have health insurance so do I need medical payments coverage?
  • Are rock chip repairs covered?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Coverages available on your insurance policy

Having a good grasp of your insurance policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as surgery, dental work and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive insurance

This covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as fire damage, damage from flooding, hitting a deer and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.


Liability coverage protects you from damages or injuries you inflict on a person or their property in an accident. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

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. Your policy might show policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as structural damage, medical expenses, repair costs for stationary objects, repair bills for other people’s vehicles and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Saturn S-Series.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Collision coverage protection

This pays for damage to your S-Series from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a ditch, rolling your car, backing into a parked car, colliding with a tree and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

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Spend less. Save more.

Cheaper 1992 Saturn S-Series insurance is possible both online as well as from insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who may not offer the ability to get quotes online and many times these regional carriers sell through local independent agents.

While you’re price shopping online, do not skimp on critical coverages to save a buck or two. In many cases, consumers will sacrifice uninsured motorist or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your goal is to buy enough coverage at the best possible price.

People who switch companies do it for any number of reasons including questionable increases in premium, high prices, unfair underwriting practices or even policy non-renewal. Regardless of your reason for switching companies, finding a new company can be less work than you think.

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