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: Aug 17, 2018

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Feel like you’re a prisoner to an overpriced auto insurance policy? It’s quite common and many drivers feel the same as you.

People have many insurance companies to insure vehicles with, and though it is a good thing to have multiple companies, having more insurance companies makes it harder to compare rates and find the lowest cost auto insurance.

How to get affordable insurance coverage

Shopping for lower insurance coverage rates can be a daunting task if you aren’t aware of the best way to get rate quotes. You could spend your day talking about coverages with agents in your area, or you can stay home and use the web to get rates in a matter of minutes.

Many companies participate in a marketplace that allows shoppers to submit one quote, and every company then gives them pricing based on the submitted data. This system prevents you from having to do form submissions for each company.

To compare rates using this form now click to open in new window.

The single downside to doing it this way is you don’t know exactly the providers you want pricing from. So if you want to select specific providers to request quotes from, we have a page of insurance coverage companies in your area. View list of insurance companies.

Whichever way you choose to compare rates, ensure you’re using the same coverage data for every company. If you enter differing limits it’s not possible to find the best deal for your Saturn S-Series. Having just a slight variation in insurance coverages can make a big difference in price. And when quoting insurance coverage, remember that comparing a large number of companies will increase your chances of finding lower pricing. Some insurance companies are not set up to provide rate quotes online, so you should also compare rates from the smaller companies as well.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Reduce your insurance rates with these seven discounts

Companies offering auto insurance don’t always publicize every available discount very well, so we researched a few of the more well known and the harder-to-find discounts that may be available.

  • Federal Employees – Active or retired federal employment can earn a discount up to 10% for S-Series coverage depending on your company.
  • Safety Restraint Discount – Drivers who require all vehicle occupants to use a seat belt may be able to save a few bucks off the medical payments premium.
  • ABS Brakes – Cars that have steering control and anti-lock brakes are much safer to drive and earn discounts up to 10%.
  • Student Driver Training – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class as it can save substantially.
  • Accident Forgiveness – This one isn’t a discount, but a few companies such as Allstate and GEICO will let one accident slide without getting socked with a rate hike if you have no claims prior to being involved in the accident.
  • Good Grades Discount – A discount for being a good student can save 20 to 25%. The good student discount can last well after school through age 25.
  • Low Miles Discount – Low mileage vehicles can qualify you for cheaper premium rates.

Keep in mind that some credits don’t apply to all coverage premiums. Most cut specific coverage prices like medical payments or collision. So when the math indicates all the discounts add up to a free policy, that’s just not realistic.

A list of companies and the discounts they provide can be read below.

  • Farm Bureau offers discounts for good student, multi-policy, 55 and retired, youthful driver, renewal discount, multi-vehicle, and safe driver.
  • Liberty Mutual discounts include new graduate, hybrid vehicle, newly married, good student, preferred payment discount, teen driver discount, and newly retired.
  • State Farm may have discounts that include safe vehicle, good driver, passive restraint, Steer Clear safe driver discount, anti-theft, and Drive Safe & Save.
  • Auto-Owners Insurance policyholders can earn discounts including anti-theft, air bags, anti-lock brakes, safe driver, mature driver, and multiple vehicles.
  • GEICO offers premium reductions for good student, emergency military deployment, defensive driver, anti-theft, military active duty, multi-vehicle, and anti-lock brakes.
  • SAFECO includes discounts for drive less, teen safety rewards, anti-theft, anti-lock brakes, and teen safe driver.

When quoting, ask every insurance company what discounts are available to you. Depending on the company, some discounts may not be available in your area.

You are unique and your car insurance should be too

When choosing the best car insurance coverage for your vehicles, there really is no single plan that fits everyone. Each situation is unique and your policy should reflect that. These are some specific questions might help in determining whether you may require specific advice.

  • When should I buy a commercial auto policy?
  • Do I need replacement cost coverage?
  • What if I total my 1998 Saturn S-Series and owe more than it’s worth?
  • What is medical payments coverage?
  • How can I find cheaper teen driver insurance?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I have coverage for damage caused while driving under the influence?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • At what point should I drop full coverage?
  • Does coverage extend to Mexico or Canada?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Learn about insurance coverages for a Saturn S-Series

Learning about specific coverages of your insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages offered by insurance companies.

Coverage for medical expenses

Med pay and PIP coverage kick in for short-term medical expenses like nursing services, surgery and funeral costs. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Saturn S-Series.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for liability

This can cover damages or injuries you inflict on other’s property or people in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like legal defense fees, repair costs for stationary objects and funeral expenses. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Collision coverage protection

Collision insurance covers damage to your S-Series caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with a tree, crashing into a building and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive insurance

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, a broken windshield, theft, hail damage and vandalism. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Enter your zip code below to view companies that have cheap auto insurance rates.

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More comparisons equals lower rates

Cheaper auto insurance is attainable online in addition to local insurance agencies, so get free auto insurance quotes from both of them in order to have the best price selection to choose from. A few companies do not provide online price quotes and these regional carriers work with independent agents.

While you’re price shopping online, never buy poor coverage just to save money. There have been many situations where consumers will sacrifice liability limits or collision coverage only to discover later that the savings was not a smart move. The aim is to purchase a proper amount of coverage at the lowest possible cost and still be able to protect your assets.

Additional auto insurance information can be found at the links below