2000 Saturn L-Series Insurance Quotes

Are you burned out from not being able to scrape enough together to insure your Saturn every month? You have the same problem as many other consumers. Many insurance companies vie to insure your vehicles, so it’s not easy to compare every insurance company and uncover the absolute lowest price

Compare free insurance coverage quotes

Comparing insurance coverage rates can be challenging if you don’t understand the easiest way. You could spend the better part of a day driving to local insurance agents in your area, or you could save time and use the web for quick rates.

Many of the larger companies take part in a program that allows shoppers to complete one form, and each company can provide price quotes for coverage. This saves time by eliminating quotation requests for each company you want a rate for.

To submit your quote information now, click to open in new window.

The only downside to getting quotes like this is that consumers can’t choose the providers to receive prices from. If you would rather choose from a list of companies to compare rates, we have assembled a list of companies who write insurance coverage in your area. Click to view list.

Compare rates however you want, just make absolute certain that you use equivalent quote data on every quote. If the quotes have different coverage information it will be nearly impossible to make an equal comparison.

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Get cheap insurance quotes with discounts

Some insurers don’t always list every available discount very clearly, so the following is a list of some of the more common and also the more inconspicuous discounts that you can inquire about if you buy insurance online.

• Claim Free – Good drivers with no accidents can earn big discounts as compared to drivers who are more careless.
• Own a Home and Save – Owning your own home or condo can save you money since home ownership requires a higher level of personal finance.
• Air Bag Discount – Vehicles equipped with air bags can qualify for discounts up to 30%.
• Paper-free Discount – A handful of insurance companies give back up to $50 just for signing your application over the internet.
• College Student Discount – College-age children who attend college more than 100 miles from home without a vehicle on campus could get you a discount.
• Auto/Home Discount – If you can bundle your auto and home insurance with one insurance company you may save over 10 percent off each policy depending on the company.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. Most cut individual premiums such as medical payments or collision. Even though it appears you can get free auto insurance, companies don’t profit that way.

A partial list of companies that may include most of the discounts above are:

• State Farm
• American Family
• Geico
• 21st Century
• Progressive

Before purchasing a policy, check with every insurance company which discounts can lower your rates. Savings might not apply in your area.

Tailor your auto insurance coverage to you

When it comes to choosing the right insurance coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions may help highlight if your insurance needs would benefit from an agent’s advice.

• Am I covered if I hit a deer?
• Why am I required to buy liability insurance?
• Are rock chip repairs covered?
• How do I buy GAP insurance?
• Is pleasure use cheaper than using my 2000 Saturn L-Series to commute?
• Should I file a claim if it’s only slightly more than my deductible?
• What discounts do I qualify for?

If you don’t know the answers to these questions, you may need to chat with an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

How you can control Saturn L-Series insurance prices

Part of the insurance buying process is learning the rating factors that aid in calculating the level of your policy premiums. When you know what positively or negatively determines base rates, this allows you to make educated decisions that will entitle you to cheaper rates.

The list below includes just a few of the factors used by insurance companies to determine rates.

• Be proud to be claim-free – If you frequently file small claims, you can expect higher rates. Insurance companies generally give the lowest premiums to people that do not abuse their auto insurance. Your insurance policy is intended for the large, substantial claims.
• Better premiums on cars with good safety ratings – Vehicles with high crash test scores can get you lower premiums. Vehicles built for safety reduce the chance of injuries and any reduction in injury severity translates into savings for insurance companies which can result in lower premiums.
• Cheaper rates with high coverage deductibles – Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Saturn from damage. Examples of covered claims are a broken side mirror, hail damage, and windstorm damage. Physical damage deductibles tell how much the insured will be required to pay in the event of a claim. The more you pay before a claim is paid (deductible), the better rate you will receive on L-Series coverage.
• Only buy what you need – Policies have extra add-on coverages that can waste your money but may not be useful. Coverages like replacement cost coverage, death and dismemberment, and membership fees may not be needed and are just wasting money. You may think they are a good idea at first, but if you have no use for them consider taking them off your policy.
• Alarm systems lower insurance rates – Choosing to buy a car that has a built-in theft deterrent system can earn a premium discount. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent auto theft.
• Older drivers save more – Young drivers have been known to be inattentive in a vehicle therefore insurance rates are much higher. Older people are more cautious drivers, statistically cause fewer accidents , and usually have better credit.
• Obey driving laws and save – Whether or not you get tickets influences premium rates substantially. Drivers who don’t get tickets tend to pay less for car insurance as compared to careless drivers. Even one chargable violation may cause rates to rise twenty percent or more. People who have multiple violations such as DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to drive a vehicle legally.
• Lower rates with continuous insurance coverage – Not having insurance is illegal and your next policy will cost more because you let your coverage cancel without a new policy in place. And not only will your rates increase, being ticketed for driving with no insurance can result in a fine, jail time, or a revoked license. You may then be required to file a SR-22 with your state DMV.

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Specific coverage details

Learning about specific coverages of insurance can be of help when determining the right coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverages available from insurance companies.

Comprehensive (Other than Collision)

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from getting keyed, damage from a tornado or hurricane and hail damage. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for liability

Liability coverage provides protection from damage or injury you incur to other people or property. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like structural damage, bail bonds and attorney fees. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Coverage for collisions

Collision coverage will pay to fix damage to your L-Series resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like crashing into a building, hitting a mailbox, backing into a parked car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these coverages do not exceed the liability coverage limits.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like pain medications, hospital visits, rehabilitation expenses, chiropractic care and prosthetic devices. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Take this to the bank

You just read some good ideas how to compare 2000 Saturn L-Series insurance premium rates online. It’s most important to understand that the more you quote insurance, the better likelihood of getting cheaper insurance. Consumers may even find the most savings is with some of the smallest insurance companies. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm and Allstate.

Some insurance providers don’t offer the ability to get a quote online and most of the time these regional insurance providers provide coverage only through independent agents. Discount 2000 Saturn L-Series insurance can be purchased on the web and also from your neighborhood agents, and you need to price shop both to have the best selection.

Much more information about insurance coverage can be found at the links below

• Medical Payments Coverage (Liberty Mutual)
• Booster Seat Ratings (iihs.org)
• Frontal Crash Tests (iihs.org)
• Rental Car Insurance Tips (Insurance Information Insitute)

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