Lower Your 2008 Saturn Sky Insurance Rates

Are you tired of trying to scrape together enough money to pay your auto insurance bill each month? You are no different than millions of other vehicle owners. You have multiple auto insurance companies to insure vehicles with, and although it’s nice to be able to choose, it can be more difficult to compare rates and find the lowest cost auto insurance.

Earn discounts to get lower-cost car insurance quotes

Some providers don’t always advertise every discount very clearly, so the list below details both the well known and the harder-to-find credits available to you. If they aren’t giving you every credit available, it’s possible you qualify for a lower rate.

• Auto/Life Discount – Select insurance carriers reward you with a lower premium rate if you buy life insurance.
• Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS and/or traction control are safer to drive and will save you 10% or more.
• Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts of 25 to 30%.
• Good Students Pay Less – Performing well in school may save as much as 25% on a auto insurance quote. Many companies even apply the discount to college students up until you turn 25.
• Low Mileage Discounts – Driving fewer miles can qualify you for better prices on cars that stay parked.
• Distant Student Discount – Kids who attend college more than 100 miles from home and leave their car at home can be insured at a reduced rate.
• New Car Discount – Adding a new car to your policy may earn a small discount because newer models are generally safer.
• Theft Deterent System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems have a lower chance of being stolen and will qualify for a discount on a auto insurance quote.
• Multiple Cars – Drivers who insure more than one vehicle with the same company could earn a price break for each car.
• Paper-free Discount – Many car insurance companies may give you up to $50 simply for signing on their website.

A little disclaimer on discounts, most of the big mark downs will not be given the the whole policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So when the math indicates you can get free auto insurance, nobody gets a free ride.

The best car insurance companies and their offered discounts include:

• Geico includes discounts for federal employee, daytime running lights, air bags, seat belt use, military active duty, and anti-lock brakes.
• MetLife offers discounts including accident-free, multi-policy, claim-free, defensive driver, good student, good driver
• State Farm offers premium reductions for driver’s education, good student, Steer Clear safe driver discount, Drive Safe & Save, accident-free, and multiple autos.
• Progressive may have discounts that include multi-vehicle, online quote discount, homeowner, online signing, and good student.
• Mercury Insurance may offer discounts for multi-car, accident-free, good student, age of vehicle, professional/association, anti-theft, and annual mileage.
• 21st Century policyholders can earn discounts including automatic seat belts, teen driver, anti-lock brakes, driver training, theft prevention, and 55 and older.
• Allstate has discounts for good student, 55 and retired, anti-theft, senior citizen, FullPay discount, and anti-lock brakes.

If you need lower rates, check with every company which discounts can lower your rates. A few discounts may not be offered in your area.

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

 Secured with SHA-256 Encryption

Why your insurance costs might be higher

Part of the insurance buying process is learning the different types of things that help calculate your policy premiums. When you know what positively or negatively determines premiums, this allows you to make good choices that could help you find lower insurance prices.

• Prices impacted by your city – Choosing to live in smaller towns and rural areas of the country has it’s advantages when talking about insurance. Urban drivers have more road rage incidents and more time behind the wheel. Fewer people means fewer accidents as well as less vandalism and auto theft.
• An active policy claims history can cost you more – Insurance companies give cheaper rates to insureds who do not rely on their insurance for small claims. If you frequently file small claims, you can definitely plan on much higher rates or policy non-renewal. Insurance coverage is intended for major claims that would cause financial hardship.
• GPS tracking and theft deterrents reduce rates – Driving a car with a theft deterrent system can help bring down rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent your vehicle from being stolen.
• Liability coverage is critical – Your insurance policy’s liability coverage will afford coverage if you are found to be at fault for personal injury or accident damage. Your liability coverage provides you with a defense in court which can cost thousands of dollars. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.
• Stress out and pay more – Jobs such as military personnelpolice officers and dentists have higher premiums than the average policyholder due to intense work situations and long work hours. Conversely, occupations like actors, engineers and homemakers have the lowest average rates on Sky coverage.
• Insurance rates and age – Youthful drivers have been known to be easily distracted behind the wheel and because of this, their insurance rates are much higher. If you’ve ever had to add a young driver to your policy can cause a big jump in price. More mature drivers have been proven to be more responsible, file fewer claims and tend to be get fewer driving tickets.
• Choose high safety ratings and save – Vehicles with good safety scores tend to be cheaper to insure. Safer cars result in less severe injuries and reduced instances of injuries translates into savings for insurance companies which can result in lower premiums. If your Saturn Sky has at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may cost less to insure.
• Put fewer miles on your vehicle – The higher the mileage driven in a year the higher your rates will be. A lot of insurance companies charge rates based upon how much you drive. Vehicles that have low annual miles get more affordable rates than vehicles that are driven to work every day. Having an incorrect usage rating on your Sky can result in significantly higher rates. It’s a good idea to make sure your vehicle rating is rated on the correct usage for each vehicle.

Tailor your auto insurance coverage to you

When it comes to buying proper insurance coverage, there is no “best” method to buy coverage. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that could help you determine if your insurance needs might need professional guidance.

• Do I really need UM/UIM coverage?
• Do I have coverage when using my vehicle for my home business?
• If my 2008 Saturn Sky is totaled, can I afford another vehicle?
• Is my 2008 Saturn Sky covered for flood damage?
• Can my babysitter drive my car?
• When should I remove comp and collision on my 2008 Saturn Sky?
• When would I need additional glass coverage?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Save $393 a year? Really?

Consumers can’t ignore all the ads that claim the best car insurance rates by companies like Progressive, Geico, Allstate and State Farm. All the companies seem to make the promise that people will save if you just switch your policy.

How is it plausible that every one can offer you a better deal?

Auto insurance companies have an ideal profile for the type of driver that is profitable for them. An example of this type of driver may be between the ages of 30 and 45, has no tickets, and has a short commute. A customer who meets those qualifications will get a cheap rate quote and will also save when switching.

Potential insureds who do not match the requirements will probably have to pay more expensive rates and ends up with the customer buying from someone else. If you listen closely, the ads state “drivers who switch” not “everyone who quotes” save that kind of money. That is how companies can advertise the way they do. This really drives home the point why drivers should get a wide range of price quotes. Because you cannot predict which company will fit your personal profile best.

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

 Secured with SHA-256 Encryption

Specific coverage details

Having a good grasp of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the normal coverages available from insurance companies.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Saturn Sky.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision insurance

This coverage covers damage to your Sky resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like crashing into a building, driving through your garage door, sideswiping another vehicle, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Medical costs insurance

Coverage for medical payments and/or PIP pay for bills for EMT expenses, pain medications, ambulance fees and funeral costs. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like rock chips in glass, theft, fire damage, vandalism and damage from getting keyed. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability

Liability coverage protects you from damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as pain and suffering, legal defense fees, structural damage and bail bonds. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

More choices the merrier

Some insurance providers don’t offer rate quotes online and these smaller companies prefer to sell through independent agents. Cost effective 2008 Saturn Sky insurance can be bought on the web as well as from independent agents, and you should compare price quotes from both in order to have the best price selection to choose from.

As you quote auto insurance, make sure you don’t reduce needed coverages to save money. There are too many instances where someone sacrificed collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The aim is to purchase a proper amount of coverage for the lowest cost while still protecting your assets.

For more information, link through to the following helpful articles:

• Credit Impacts Car Insurance Rates (State Farm)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Insuring a Leased Car (Insurance Information Insitute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Electronic Stability Control FAQ (iihs.org)
• What does Personal Injury Protection (PIP) Cover? (Allstate)

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

 Secured with SHA-256 Encryption