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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

Advertiser Disclosure

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.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Looking for better insurance rates for your Saturn S-Series? Paying for expensive Saturn S-Series insurance can consume your family’s budget and put a big crunch on your finances. Getting a rate comparison is an excellent way to make ends meet.

Having so many choices, it’s difficult to choose the most cost effective insurance provider.

It’s a great practice to shop coverage around as often as possible because insurance prices trend upward over time. If you had the best price on S-Series insurance last year you will most likely find a better rate quote today. Block out anything you think you know about insurance because you’re going to learn the easiest way to save money, get proper coverage and the best rates.

Get lower-cost auto insurance with discounts

Companies offering auto insurance don’t always publicize every possible discount very well, so the list below details a few of the more well known in addition to some of the lesser obvious credits available to lower your premiums when you buy auto insurance online.

  • Theft Deterent – Vehicles equipped with tracking devices and advanced anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Discount for Low Mileage – Keeping the miles down on your Saturn may allow you to get discounted rates on garaged vehicles.
  • Accident Waiver – This one is not really a discount per se, but a few companies such as Allstate and GEICO will turn a blind eye to one accident without raising rates if your claims history is clear for a certain period of time.
  • Auto/Home Discount – When you have multiple policies with one company you may earn up to 20% and get you inexpensive auto insurance.
  • Driving Data Discount – People who choose to allow their auto insurance company to analyze where and when they drive by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction if their driving habits are good.
  • Claim Free – Claim-free drivers are rewarded with significantly better rates on auto insurance quote compared to drivers with a long claim history.
  • Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off on S-Series insurance depending on your auto insurance provider.
  • Homeowners Pay Less – Owning a home can get you a discount because it shows financial diligence.

As is typical with insurance, most credits do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like medical payments or collision. Just because it seems like all the discounts add up to a free policy, it just doesn’t work that way.

Companies and a selection of discounts are detailed below.

  • State Farm has savings for student away at school, good student, defensive driving training, multiple policy, and Drive Safe & Save.
  • GEICO offers discounts including good student, daytime running lights, air bags, emergency military deployment, anti-theft, and seat belt use.
  • Allstate may include discounts for good payer, new car, eSmart discount, utility vehicle, and passive restraint.
  • SAFECO policyholders can earn discounts including accident prevention training, homeowner, anti-theft, bundle discounts, anti-lock brakes, teen safety rewards, and teen safe driver.
  • Farm Bureau includes discounts for safe driver, driver training, multi-vehicle, multi-policy, 55 and retired, good student, and renewal discount.
  • Progressive has discounts for multi-vehicle, online signing, multi-policy, homeowner, and good student.
  • AAA may have discounts that include AAA membership discount, good student, pay-in-full, anti-theft, good driver, and education and occupation.

Before purchasing a policy, check with every prospective company which credits you are entitled to. Savings may not apply to policyholders in your state. If you would like to see a list of providers with the best discounts, click here.

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

secured lock Secured with SHA-256 Encryption

Smart consumers save every year

Lots of things are used in the calculation when you get your auto insurance bill. Some are pretty understandable like your driving record, although some other factors are more obscure like where you live or how safe your car is.One of the most helpful ways to save on auto insurance is to to have a grasp of a few of the rating criteria that come into play when calculating the price you pay for auto insurance. If you know what controls the rates you pay, this enables informed choices that may result in big savings.

The factors shown below are a few of the things that factor into your rate level.

  • Get hitched and get better rates – Walking down the aisle can get you a discount when buying auto insurance. Having a significant other demonstrates that you tend to be more mature than a single person and statistics show being married results in fewer claims.
  • Raising deductibles lowers prices – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Examples of covered claims are colliding with a building, flood damage, and burglary. Deductibles for physical damage tell how much the insured will be required to pay in the event of a claim. The more damage repair cost the insured has to pay upfront, the less money you will pay for auto insurance on S-Series insurance.
  • High credit history translates to low premiums – Your credit score can be an important factor in calculating your auto insurance rates. Insureds with very high credit ratings tend to be better drivers and file fewer claims than drivers with lower credit scores. Therefore, if your credit can use some improvement, you could potentially save money when insuring your 2002 Saturn S-Series if you improve your credit rating.
  • Premiums impacted by your city – Being located in a small town can save you money when buying auto insurance. Lower population means reduced accidents and lower theft and vandalism rates. Drivers in populated areas have more auto accidents and longer commute times. More time behind the wheel means more chance of being in an accident.
  • Teen drivers are expensive to insure – Teen drivers have a tendency to be inattentive and easily distracted with other occupants in the car and because of this, their auto insurance rates are much higher. Mature drivers are viewed as being more responsible, statistically cause fewer accidents and get fewer tickets.
  • Females pay lower premiums – Over the last 30 years, statistics show that men are more aggressive behind the wheel. The data does not necessarily mean that men are WORSE drivers than women. Both genders get in fender benders in similar numbers, but the males cause more damage and cost insurance companies more money. Men also tend to have more aggressive citations such as reckless driving.
  • Five star safety rating saves money – Vehicles with high crash test scores tend to be cheaper to insure. These vehicles help reduce the chance of injuries in an accident and better occupant protection means your insurance company pays less and thus lower rates. If your Saturn S-Series is rated at a minimum four stars on or an “acceptable” rating on you may qualify for a discount.
  • Don’t cut corners with liability – Liability coverage is the protection when a court rules you are at fault for damages caused by your negligence. It provides legal defense coverage which can cost a lot. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions may help highlight whether or not you might need an agent’s assistance.

  • Should I buy more coverage than the required minimum liability coverage?
  • Are rental cars covered under my policy?
  • Does coverage extend to a rental car in a foreign country?
  • How high should my medical payments coverage be?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Does liability extend to a camper or trailer?
  • Do I pay less if my vehicle is kept in my garage?
  • What are the best liability limits?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Educate yourself about insurance coverages

Having a good grasp of your insurance policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverages found on most insurance policies.

Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for bills like pain medications, EMT expenses, funeral costs and dental work. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all 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 can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Most of the time these limits are set the same as your liablity limits.

Comprehensive auto coverage – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like vandalism, theft and hitting a bird. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for liability – Liability coverage can cover injuries or damage you cause to other’s property or people by causing an accident. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like repair bills for other people’s vehicles, emergency aid, loss of income and medical services. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Collision coverages – Collision insurance covers damage to your S-Series resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like hitting a mailbox, backing into a parked car, hitting a parking meter and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

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

secured lock Secured with SHA-256 Encryption

You can do this!

When trying to cut insurance costs, make sure you don’t skimp on coverage in order to save money. There are a lot of situations where someone sacrificed liability coverage limits only to regret they didn’t purchase enough coverage. The proper strategy is to find the BEST coverage at a price you can afford, but do not skimp to save money.

We just presented a lot of information how to reduce 2002 Saturn S-Series insurance car insurance rates online. The most important thing to understand is the more quotes you get, the better your comparison will be. Drivers may discover the biggest savings come from the least-expected company. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as GEICO and State Farm.

Other resources