View 2003 Saturn L-Series Insurance Rates

Want better insurance coverage rates for your Saturn L-Series? Trying to find better insurance prices for a new or used Saturn L-Series can be a painful process, but you can learn a few tricks to save time.

There are both good and bad ways to shop for insurance coverage and you need to know the proper way to get price quotes for a new or used Saturn and locate the lowest price either online or from local insurance agents.

It’s a great practice to quote other rates occasionally since insurance prices are variable and change quite frequently. Despite the fact that you may have had the lowest rates for L-Series insurance last year you can probably find a lower rate today. Ignore everything you know about insurance coverage because you’re about to learn the things you must know in order to lower your annual insurance bill.

The quickest method to compare rate quotes is to know the trick most of the bigger providers pay for the opportunity to give rate comparisons. To start a quote, the only thing you need to do is give them some information including your occupation, whether you are single or married, how your vehicles are used, and if the vehicle is leased. Your information gets transmitted to many highly-rated insurers and you receive quotes very quickly.

If you would like to start a quote now, click here and see if a lower rate is available.

Verify you’re applying every discount

Some providers do not list all disounts in an easy-to-find place, so the below list has a few of the more common and also the more inconspicuous savings tricks you should be using when you buy auto insurance online.

• Theft Deterent System – Cars equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
• Defensive Driver Discounts – Taking a defensive driving course is a good idea and can lower rates if you qualify.
• Paper-free Discount – A few larger online companies will give a small break for signing up on their website.
• Employee of Federal Government – Active or retired federal employment may reduce rates when you quote auto insurance for L-Series insurance with a few insurance coverage companies.
• Multiple Vehicles – Having multiple cars or trucks on one policy could earn a price break for each car.
• Anti-lock Brakes – Cars, trucks, and SUVs with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
• Own a Home – Just owning your own home may trigger a policy discount on insurance coverage since home ownership requires personal responsibility.
• Driver’s Ed – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course if offered at their school.

Just know that most of the big mark downs will not be given to your bottom line cost. A few only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous.

Companies and some of their more popular discounts can be found below.

• State Farm policyholders can earn discounts including student away at school, passive restraint, good student, good driver, driver’s education, accident-free, and safe vehicle.
• American Family offers premium reductions for mySafetyValet, early bird, multi-vehicle, TimeAway discount, Steer into Savings, and good student.
• AAA has discounts for AAA membership discount, multi-car, multi-policy, anti-theft, education and occupation, and good student.
• Geico has savings for federal employee, air bags, daytime running lights, membership and employees, multi-vehicle, five-year accident-free, and anti-lock brakes.
• Mercury Insurance may offer discounts for low natural disaster claims, professional/association, good driver, multi-car, location of vehicle, good student, and accident-free.
• Farmers Insurance may have discounts that include teen driver, multi-car, early shopping, pay in full, electronic funds transfer, homeowner, and good student.
• Progressive includes discounts for online quote discount, multi-policy, continuous coverage, good student, homeowner, multi-vehicle, and online signing.

Before purchasing a policy, check with each insurance company which discounts you qualify for. Some of the discounts discussed earlier might not apply in your area.

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What determines Saturn L-Series insurance prices?

Multiple criteria are used in the calculation when pricing auto insurance. Some are pretty understandable like your driving record, but some are not quite as obvious like your continuous coverage or how safe your car is.An important part of buying insurance is that you know the different types of things that help calculate the level of your policy premiums. If you have a feel for what controls the rates you pay, this helps enable you to make changes that can earn you lower premium levels.

• Prevent coverage lapses – Letting your insurance expire is a fast way to increase your renewal premiums. Not only will you pay higher rates, failure to provide proof of insurance can result in a steep fine or even jail time. You may need to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
• Cheaper rates by bundling – Most larger companies will award a discount to people who buy several policies from them, otherwise known as a multi-policy discount. The discount can be five, ten or even twenty percent. Even though this discount sounds good, you may still want to compare other company rates to guarantee you are still saving the most.
• Prevent theft and reduce rates – Driving a car with an alarm system can help lower your premiums. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your car from being stolen.
• Bad credit will cost you – Your credit score factor in determining what you pay for insurance coverage. People with excellent credit tend to file fewer claims as compared to drivers with worse credit. So if your credit rating is low, you could pay less to insure your 2003 Saturn L-Series by improving your credit score.

When should I discuss my situation with an agent?

When it comes to buying the right insurance coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover if your insurance needs would benefit from professional advice.

• Should I buy only the required minimum liability coverage?
• Is there coverage for injuries to my pets?
• Does liability extend to a camper or trailer?
• Can I drive in Mexico and have coverage?
• Do I have coverage when making deliveries for my home business?
• If my 2003 Saturn L-Series is totaled, can I afford another vehicle?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

Educate yourself about car insurance coverages

Having a good grasp of a car insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for expenses like doctor visits, prosthetic devices, dental work, hospital visits and X-ray expenses. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability car insurance

This protects you from injuries or damage you cause to other people or property by causing an accident. It protects you against claims from other people, 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. As an example, you may have liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as repair bills for other people’s vehicles, structural damage, legal defense fees, bail bonds and medical services. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Auto collision coverage

This covers damage to your L-Series caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like damaging your car on a curb, sideswiping another vehicle, sustaining damage from a pot hole, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision

This covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, hitting a bird, rock chips in glass and theft. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your Saturn L-Series.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Normally these limits are set the same as your liablity limits.

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Smart shoppers get results

Consumers who switch companies do it for a variety of reasons including lack of trust in their agent, being labeled a high risk driver, denial of a claim or not issuing a premium refund. It doesn’t matter why you want to switch choosing a new company is pretty easy and you might even save some money in the process.

In this article, we presented a lot of ways to shop for 2003 Saturn L-Series insurance online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding affordable auto insurance. Drivers may discover the lowest rates are with a small local company.

When searching for cheap auto insurance quotes, you should never skimp on critical coverages to save a buck or two. There are many occasions where someone dropped full coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy the best coverage you can find at the best possible price while still protecting your assets.

Additional resources

• Bodily Injury Coverage (Liberty Mutual)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Coverage Information (Progressive Insurance)
• Credit Impacts Car Insurance Rates (State Farm)

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