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: Oct 5, 2015

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Searching for better insurance rates? Consumers have many options when looking for affordable Saturn S-Series insurance. They can either spend hours calling around trying to get quotes or utilize the internet to compare rates.

There are both good and bad ways to find insurance online so you’re going to learn the proper way to get price quotes on a Saturn and obtain the lowest price either online or from local insurance agents.

Auto Insurance Discounts

Companies that sell car insurance do not advertise every discount in an easy-to-find place, so the next list breaks down a few of the more well known in addition to some of the lesser obvious discounts that you may qualify for. If you’re not getting every credit available, you are paying more than you should be.

  • Defensive Driver Discount – Taking part in a class that teaches defensive driving techniques could possibly earn you a 5% discount and make you a better driver.
  • Accident Waiver – This one is not really a discount per se, but some companies like Allstate and Progressive will allow you to have one accident without raising rates if you are claim-free for a set time period.
  • Early Signing – Some insurance companies give discounts for switching companies prior to your current policy expiring. This discount can save up to 10%.
  • Professional Organizations – Joining a professional or civic organization is a good way to get lower rates on your next renewal.
  • Military Discounts – Having an actively deployed family member could qualify you for better prices.
  • Homeowners Pay Less – Just being a homeowner can save a few bucks because maintaining a house shows financial diligence.
  • Telematics Data – Drivers who elect to allow their insurance company to look at when and where they use their vehicle by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction as long as they are good drivers.

It’s important to understand that most discounts do not apply to all coverage premiums. Most cut individual premiums such as liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, you won’t be that lucky.

If you would like to view auto insurance companies that offer the discounts shown above, click this link.

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

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Buy insurance coverage online

Most companies like Allstate, GEICO and Progressive make it easy to get insurance quotes from their websites. Getting prices online is possible for anyone as you simply type in your coverage information on the page. After the form is submitted, their system pulls your driving record and credit report and returns a price based on the information you submitted.

This makes it simple to compare prices but the time it takes to visit several different sites and fill out multiple forms can be a bit repetitive. But it’s also necessary to perform this step if you want to find the lowest price.

An easier way to compare rates requires only one form that gets price quotes from multiple companies. It’s a real time-saver, eliminates form submissions, and makes price shopping online a little more enjoyable. After sending the form, it is quoted with multiple companies and you can pick your choice of the quote results.

If the quotes result in lower rates, you simply finish the application and buy the policy. This process takes less than 15 minutes and may result in a nice savings.

If you want to get comparison pricing now, click here to open in a new tab and enter your information. If you have your current policy handy, we recommend that you enter the insurance coverages exactly as shown on your declarations page. This makes sure you’re receiving a price comparison for similar insurance coverage.

Eight factors that impact insurance prices

It’s important that you understand some of the factors that play a part in calculating your policy premiums. If you have some idea of what positively or negatively impacts your premiums, this allows you to make good choices that could result in better car insurance rates.

The itemized list below are a few of the “ingredients” that factor into your premiums.

  • What are good liability coverage limits? – Your car insurance policy’s liability coverage will provide protection if you are determined to be liable for causing damage or personal injury in an accident. It will provide for a legal defense which can cost a lot. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so do not skimp.
  • A good credit rating can save money – Having a good credit score is a large factor in determining what you pay. If your credit history could use some work, you could save money insuring your 2000 Saturn S-Series if you clean up your credit. Insureds that have high credit ratings tend to be more responsible as compared to drivers with bad credit.
  • City traffic equals higher prices – Being located in areas with lower population has definite advantages when shopping for auto insurance. Residents of big cities tend to have more auto accidents and more severe claims. Fewer drivers and short commutes means fewer accidents in addition to fewer liability claims.
  • Job stress can affect car insurance rates – Occupations like military generals, social workers and financial analysts tend to have higher premiums than the average policyholder in part from stressful work requirements and long work hours. Conversely, occupations such as actors, historians and retirees generally pay rates lower than average for S-Series coverage.
  • Always have car insurance – Driving without insurance is illegal and you may have a hard time finding new coverage because you let your insurance lapse. Not only will you pay more, getting caught without coverage could result in a license revocation or jail time.
  • Teen drivers are expensive to insure – More experienced drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations.Teen drivers have been known to be careless and easily distracted behind the wheel so they pay higher car insurance rates.
  • What’s your car’s crash test rating? – Cars with five star safety ratings tend to have lower insurance rates. These vehicles reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims which can result in lower premiums. If the Saturn S-Series scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Get better prices if you’re married – Being married may cut your premiums on your car insurance bill. Having a significant other means you’re more stable financially and statistics prove drivers who are married are more cautious.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage for your personal vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions may help highlight whether or not you would benefit from professional advice.

  • Does my insurance cover my expensive audio equipment?
  • Can I afford to pay high deductible claims out of pocket?
  • Am I covered if I hit a deer?
  • What are the best liability limits?
  • Can I drive in Mexico and have coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is a new car covered when I drive it off the dealer lot?
  • Why am I required to buy liability insurance?
  • What companies insure drivers after a DUI or DWI?
  • What vehicles should carry emergency assistance coverage?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and can help protect your family.

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

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Auto insurance coverage information

Having a good grasp of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverage

This coverage covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, hail damage, a broken windshield and theft. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability auto insurance

Liability coverage protects you from damage that occurs to a person or their property that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as attorney fees, pain and suffering, emergency aid, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for short-term medical expenses for surgery, dental work and doctor visits. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Collision coverage

This pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with a tree, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and damage to your Saturn S-Series.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Most of the time these limits are identical to your policy’s liability coverage.

Shop smart and save

People switch companies for a variety of reasons including poor customer service, denial of a claim, unfair underwriting practices and even extreme rates for teen drivers. No matter why you want to switch, finding the right car insurance provider can be easy and end up saving you some money.

You just learned a lot of information how to compare 2000 Saturn S-Series insurance premium rates online. The key concept to understand is the more companies you get prices for, the better chance you’ll have of finding inexpensive auto insurance. Drivers may discover the biggest savings come from a small mutual company.

The cheapest 2000 Saturn S-Series insurance is attainable on the web and from local agencies, and you need to comparison shop both to have the best rate selection. Some companies may not offer the ability to get a quote online and most of the time these smaller providers only sell coverage through independent insurance agencies.

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