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: Sep 10, 2018

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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Purchasing lower priced insurance coverage over the internet may be somewhat intimidating for people who are new to buying their insurance coverage online. With dozens of insurance companies available, how are we expected to have a chance to compare every company to locate the cheapest rates?

Consumers should take time to compare prices occasionally since prices change quite often. Despite the fact that you may have had the best quotes for S-Series insurance last year the chances are good that you can find a lower rate today. Ignore everything you know about insurance coverage because you’re about to find out the easiest way to find better coverage at a better price.

If you currently have a car insurance policy, you should be able to lower your premiums substantially using these methods. The purpose of this article is to familiarize you with the best way to quote coverages and some money-saving tips. But drivers can benefit from knowing how the larger insurance companies market on the web.

The cheapest insurance coverage

To find the best insurance coverage rates, there are several ways of comparing price quotes from insurance coverage companies in your area. The simplest method to compare Saturn S-Series insurance prices is simply to get online rate quotes. It’s really quite simple and can be done in just a few minutes using one of these methods.

  • The best way to get quotes is to use a rate comparison form click here to open form in new window. This form eliminates the need for repetitive form entry for every company. A single form gets prices estimates direct from many companies. Recommended for those who want to invest the least amount of time.
  • Another way to shop for insurance coverage online consists of visiting each company website and complete a new quote form. For sake of this example, we’ll pretend you want to see prices from State Farm, Farmers and GMAC. In order to compare rates, you need to navigate to each company’s site to enter the same coverage data repeatedly, which can get rather old.

    For a handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but make sure you are using equivalent coverages on every price quote you get. If you are comparing different values for each quote it’s not possible to get a fair rate comparison. Having just a slight variation in insurance coverages may cause a big price difference. It’s important to know that quoting more provides better odds of finding a better price. Some companies don’t provide prices over the internet, so you also need to get rates from them as well.

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

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Take advantage of every auto insurance discount

Auto insurance is neither fun to buy or cheap, but you may qualify for discounts to cut the cost considerably. Some discounts apply automatically at the time you complete a quote, but some must be asked about before you get the savings.

  • Homeowners Discount – Simply owning a home may trigger a policy discount on auto insurance because of the fact that having a home is proof that your finances are in order.
  • Active Service Discounts – Being deployed with a military unit may qualify for rate reductions.
  • No Accidents – Insureds with no claims or accidents get the best auto insurance rates when compared with insureds who have frequent claims or accidents.
  • Full Payment Discount – By making one initial payment rather than paying in monthly installments you could save 5% or more.
  • Safety Restraint Discount – Drivers who require all occupants to fasten their seat belts may be able to save a few bucks off the medical payments premium.
  • Defensive Driver Discount – Successfully completing a driver safety course is a good idea and can lower rates and make you a better driver.
  • Distant Student – Children who are enrolled in higher education away from home and do not have a car can receive lower rates.
  • Driver’s Ed – It’s a good idea to have your young drivers complete a driver education course as it can save substantially.
  • Anti-lock Brakes – Cars, trucks, and SUVs with ABS and/or traction control can avoid accidents and earn discounts up to 10%.
  • Life Insurance Discount – Companies who offer life insurance give a lower premium rate if you buy life insurance from them.

Consumers should know that some credits don’t apply to your bottom line cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that all the discounts add up to a free policy, nobody gets a free ride.

To locate insurers that offer the discounts shown above, click here.

How to know if you need help

When choosing proper insurance coverage, there really is no “perfect” insurance plan. Every situation is different.

For instance, these questions may help you determine if you might need an agent’s assistance.

  • How much liability insurance is required?
  • Is my camper covered by my car insurance policy?
  • What if I don’t agree with a claim settlement offer?
  • Is a fancy paint job covered?
  • I have a DUI can I still get coverage?
  • Is my cargo covered for damage or theft?
  • Am I covered when driving in Canada or Mexico?
  • Can I rent a car in Mexico?
  • If I drive on a suspended license am I covered?
  • Is my trailer covered?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Coverage specifics

Having a good grasp of your policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Collision – This coverage pays for damage to your S-Series resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a parking meter, sideswiping another vehicle, damaging your car on a curb, colliding with another moving vehicle and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hitting a deer, damage from flooding, fire damage, hitting a bird and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like dental work, surgery, doctor visits, X-ray expenses and rehabilitation expenses. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverages – This coverage protects you from damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: 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 $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things like loss of income, repair bills for other people’s vehicles, medical expenses and medical services. How much coverage you buy is up to you, but you should buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

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

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Don’t throw your cash in the trash

When shopping online for auto insurance, it’s a bad idea to sacrifice coverage to reduce premiums. There are too many instances where someone dropped collision coverage only to regret they didn’t have enough coverage. The aim is to buy a smart amount of coverage at the best price, but do not sacrifice coverage to save money.

We just showed you many ideas to shop for 1999 Saturn S-Series insurance online. The most important thing to understand 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 prices come from the least-expected company.

Budget-friendly auto insurance can be sourced both online in addition to local insurance agencies, and you should compare rates from both so you have a total pricing picture. There are still a few companies who do not provide internet price quotes and these small insurance companies only sell coverage through independent agencies.

For more information, take a look at the resources below: