2008 Saturn Outlook Car Insurance Rates – 6 Tips for Best Quotes

Searching for cheap car insurance over the internet may at first seem to be impossible for drivers that are not comfortable with quoting and comparison shopping on the internet. With dozens of insurers to choose from, how are drivers able to have a chance to compare each option to find better car insurance prices?

It’s a great practice to shop coverage around once or twice a year due to the fact that insurance prices are usually higher with each renewal. If you had the lowest price for Outlook coverage a couple years back you will most likely find a better rate quote today. Forget anything you know (or think you know) about car insurance because it’s time to teach you the things you must know in order to lower your annual insurance bill.

Cheapest auto insurance rate quotes

When shopping for auto insurance there are multiple ways to compare rate quotes from many available auto insurance companies in your state. By far the easiest way to lower the rate you pay for Saturn Outlook insurance is to perform an online rate comparison. It is quite easy and can be accomplished using a couple different methods.

1. If you don’t have a lot of time, the easiest way to get the best comparison quotes is a comparison rater form like this one (opens in new window). This method eliminates the need for separate forms for each company you want a rate for. In just a few minutes this one form gets you price quotes from many national carriers. It’s the fastest way to compare.
2. A less efficient way to get comparison quotes is spending the time to visit each individual company website to request a price quote. For sake of this example, we’ll pretend you want to compare Geico, Farmers and American Family. To do that, you would have to take the time to go to each site and enter your information, which can get rather old. For a list of companies in your area, click here.

The approach you take is up to you, just do your best to use nearly identical coverage limits and deductibles for each quote you get. If you compare differing limits you will not be able to determine which company has the best rates. Having just a slight variation in coverage limits can make a big difference in price. And when comparison shopping, quoting more helps locate more affordable insurance.

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Do you qualify for these six discounts?

Car insurance can cost a lot, but discounts can save money and there are some available that can dramatically reduce your bill. A few discounts will automatically apply at the time of quoting, but some need to be specifically requested before being credited.

• Save with a New Car – Buying a new car model can save you some money because new vehicles keep occupants safer.
• Cautious Driver Discounts – Insureds without accidents could pay up to 40% less for Outlook coverage than their less cautious counterparts.
• E-sign – Some companies may give you up to $50 shop auto insurance on the internet.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn better rates if you take out auto and life insurance together.
• Organization Discounts – Joining specific professional or occupational memberships or organizations is a good way to get lower rates on your policy.
• Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and the ABS can save up to 10%.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to your bottom line cost. Most cut specific coverage prices like medical payments or collision. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky.

A few popular companies and a selection of discounts are outlined below.

• Geico has discounts for driver training, defensive driver, good student, membership and employees, and federal employee.
• MetLife offers discounts including good student, claim-free, good driver, defensive driver, multi-policy, and accident-free.
• Progressive may have discounts that include online signing, online quote discount, good student, continuous coverage, multi-policy, homeowner, and multi-vehicle.
• Travelers includes discounts for driver training, IntelliDrive, multi-policy, good student, payment discounts, and multi-car.
• SAFECO may offer discounts for anti-theft, drive less, multi-car, teen safe driver, and homeowner.
• AAA offers premium reductions for multi-policy, good driver, multi-car, education and occupation, anti-theft, AAA membership discount, and good student.

When getting free auto insurance quotes, it’s a good idea to each insurance company how many discounts you can get. Some credits might not apply in your area. To choose insurance coverage companies who offer free insurance coverage quotes, click here to view.

Don’t assume everyone needs the same insurance coverage

When choosing proper insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

For example, these questions might point out whether you could use an agent’s help.

• Can I still get insurance after a DUI?
• Is upholstery damage covered by car insurance?
• What is no-fault insurance?
• Is my business laptop covered if it gets stolen from my vehicle?
• Am I covered when driving a rental car?
• What if I total my 2008 Saturn Outlook and owe more than it’s worth?
• Why am I be forced to buy a membership to get insurance from some companies?
• What is high-risk coverage and where do I buy it?
• Am I covered when pulling a rental trailer?
• Am I covered if I wreck a rental car?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

The largest companies are not always cheapest

Companies like State Farm, Geico and Progressive continually stream television, radio, and online ads. All the companies try to convey promises about saving some big amount if you move your policy. That’s great but how can every company charge you a lower premium? It’s all in the wording.

Insurance providers have specific characteristics for a prospective insured that earns them a profit. A good example of this type of driver could be a female over age 40, has had continuous coverage, and drives a vehicle with a low ISO rating. Any person who matches that profile will get a cheap rate quote and will also cut their rates if they switch.

Potential insureds who don’t measure up to the “perfect” profile will see a higher premium and ends up with the customer buying from a different company. If you pay attention, the ads say “people that switch” not “everybody who quotes” can get the lowest rates when switching. That’s why companies can truthfully make those statements.

Different companies use different criteria so it is so important to compare price quotes frequently. It’s just not possible to know which insurance companies will fit you best based on your risk profile.

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Insurance specifics

Learning about specific coverages of insurance can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Collision coverage protection

This will pay to fix damage to your Outlook caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as scraping a guard rail, rolling your car and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

This pays for 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 insurance covers claims like rock chips in glass, damage from a tornado or hurricane and hitting a deer. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for X-ray expenses, nursing services and dental work. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Liability

This coverage provides protection from damage that occurs to other people or property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, 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 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things such as loss of income, legal defense fees, repair costs for stationary objects and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your Saturn Outlook.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

A penny earned…

Some insurance providers may not have the ability to get a quote online and usually these smaller companies sell through local independent agencies. Budget-conscious 2008 Saturn Outlook insurance can be found from both online companies and from local insurance agents, so you should compare both to get a complete price analysis.

While you’re price shopping online, it’s very important that you do not skimp on critical coverages to save a buck or two. There have been many cases where consumers will sacrifice physical damage coverage and found out when filing a claim that it was a big mistake. Your focus should be to buy enough coverage at the best cost, not the least amount of coverage.

Insureds switch companies for any number of reasons including policy non-renewal, poor customer service, questionable increases in premium or unfair underwriting practices. It doesn’t matter what your reason, finding a new auto insurance company can be less work than you think.

Helpful information

• Airbag FAQ (iihs.org)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Eight Auto Insurance Myths (Insurance Information Insitute)

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