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: Apr 8, 2018

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Trying to find better insurance rates for your Saturn S-Series? Overpriced Saturn S-Series insurance can overdraw your savings and put a big crunch on your finances. Doing a rate comparison is recommended to cut your insurance bill.

Many insurers compete for your hard-earned dollar, so it can be very hard to choose a insurance company and get the definite lowest cost out there.

How you can control Saturn S-Series insurance premiums

Lots of factors are part of the equation when premium rates are determined. Some factors are common sense such as traffic violations, although some other factors are not quite as obvious like your continuous coverage or your vehicle rating.The best way to find cheaper insurance coverage is to take a look at some of the factors that aid in calculating your premiums. When you know what positively or negatively determines premiums, this helps enable you to make changes that could help you find lower rates.

The factors shown below are some of the things companies use to determine your rates.

  • Companies want multiple policies – The majority of insurance coverage companies will award better rates to clients who carry more than one policy such as combining an auto and homeowners policy. The discount can be ten or even fifteen percent. If you currently are using one company, consumers should still comparison shop to make sure you are getting the best deal. Consumers may save even more by buying insurance from more than one company.
  • With age comes responsibility – More mature drivers are more responsible, tend to file fewer claims and tend to be get fewer driving tickets.Young drivers are statistically proven to be more careless when driving so insurance coverage rates are higher.
  • Lower premiums with theft deterrents – Buying a car with an alarm system can help lower your rates. Systems that thwart theives like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.
  • Higher rates for specific occupations – Occupations such as judges, social workers and financial analysts generally pay the highest rates because of intense work situations and lots of time spent away from family. On the other hand, professions such as scientists, engineers and the unemployed have the lowest average rates on S-Series coverage.
  • Liability insurance limits are a factor – Liability insurance is the coverage that protects you if ever you are found liable for an accident. It will provide legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable compared to other policy coverages, so do not cut corners here.
  • Obey driving laws and save – Even one speeding ticket can boost insurance rates by twenty percent. Good drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers unfortunate enough to have flagrant violations such as reckless driving, hit and run or driving under the influence might be required by their state to submit a SR-22 form with the DMV in their state in order to legally drive.
  • Getting married reduces risk – Having a wife or husband actually saves money on your insurance coverage policy. Having a significant other means you’re more mature and statistics show married drivers tend to have fewer serious accidents.
  • Always have insurance coverage – Allowing your insurance coverage policy to lapse is a fast way to drive up your policy premiums. In addition to paying higher rates, failure to provide proof of insurance may earn you a hefty fine and possibly a revoked license. You may then have to submit proof of financial responsibility or a SR-22 with your state DMV.

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Insurance policy discounts you can’t miss

Car insurance companies don’t list the complete list of policy discounts in an easy-to-find place, so the below list has some of the best known and also the lesser-known savings tricks you should be using when you buy car insurance online.

  • Discounts for New Vehicles – Putting insurance on a new car can save up to 30% since new vehicles have better safety ratings.
  • Military Discounts – Having a family member in the military can result in better prices.
  • Low Mileage Discounts – Driving less could earn better premium rates on cars that stay parked.
  • Own a Home – Owning your own home or condo can save a few bucks because owning a home requires personal responsibility.
  • No Accidents – Drivers who stay claim-free pay less compared to accident-prone drivers.

Remember that most discounts do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, you’re out of luck. But all discounts will lower your overall premium however.

A few popular companies and some of the premium reductions they offer are detailed below.

  • American Family includes discounts for early bird, TimeAway discount, accident-free, multi-vehicle, good driver, and mySafetyValet.
  • State Farm offers premium reductions for multiple autos, good driver, safe vehicle, anti-theft, driver’s education, and passive restraint.
  • 21st Century offers discounts for driver training, automatic seat belts, teen driver, early bird, anti-lock brakes, defensive driver, and 55 and older.
  • Travelers policyholders can earn discounts including payment discounts, driver training, multi-car, student away at school, multi-policy, and hybrid/electric vehicle.
  • GEICO offers discounts including federal employee, anti-theft, good student, seat belt use, anti-lock brakes, emergency military deployment, and daytime running lights.

Check with every insurance company the best way to save money. All car insurance discounts might not be offered everywhere. If you would like to view insurers who offer free insurance quotes, click here to view.

Insurance agents can help

When choosing coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions might help in determining whether your personal situation will benefit from professional help.

  • Am I better off with higher deductibles on my 2001 Saturn S-Series?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I need an umbrella policy?
  • Do I benefit by insuring my home with the same company?
  • Am I getting all the discounts available?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered when using my vehicle for business?
  • Am I covered when driving someone else’s vehicle?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered if I drive in a foreign country?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Car insurance 101

Learning about specific coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages available from insurance companies.

Comprehensive coverages

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a deer, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability insurance protects you from damage that occurs to people or other property in an accident. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

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. You commonly see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability can pay for claims such as funeral expenses, structural damage, medical expenses, bail bonds and court costs. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your Saturn S-Series.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are set the same as your liablity limits.

Collision coverage protection

Collision insurance pays for damage to your S-Series from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like colliding with another moving vehicle, crashing into a building, sideswiping another vehicle, crashing into a ditch and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses such as X-ray expenses, funeral costs, dental work and doctor visits. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

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What is YOUR best insurance company?

We covered a lot of tips how to get a better price on 2001 Saturn S-Series insurance. It’s most important to understand that the more companies you get premium rates for, the better chance you’ll have of finding cheaper car insurance. You may even find the best auto insurance rates are with the smaller companies. These companies can often provide lower premium rates in certain areas than their larger competitors like Allstate and Progressive.

The cheapest 2001 Saturn S-Series insurance can be sourced online in addition to many insurance agents, so you need to quote car insurance with both in order to have the best chance of saving money. Some insurance providers don’t offer online rate quotes and these regional insurance providers prefer to sell through independent insurance agencies.

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