2001 Saturn L-Series Insurance Quotes – 5 Savings Tips

Trying to find better auto insurance rates for your Saturn L-Series? Searching for better insurance prices for a Saturn L-Series can be a lot of work, but you can use these tips to find lower rates. There is a better way to find auto insurance online so we’re going to tell you the proper way to get price quotes for a Saturn and obtain the best price possible from local insurance agents and online providers.

Finding insurance coverage

Getting a cheaper price on 2001 Saturn L-Series insurance is a great way to save money. The only thing you need to do is take the time to compare rate quotes online from several insurance companies. Comparing prices online can be done by following the guidelines below.

1. Hands down the most simple method to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This method eliminates the need for repetitive form submissions for every prospective company. One quote request will get you rate comparisons instantly. It’s the fastest way to compare.
2. A more difficult way to get comparison quotes requires a visit to the website for every company you want to comare and get a separate price quote. For examples sake, we’ll pretend you are doing a rate comparison from Progressive, Liberty Mutual and Geico. You would have to spend time going to each site individually to enter the same coverage data repeatedly, which is why the first method is quicker.

   For a list of links to companies insuring cars in your area, click here.

3. The least efficient method to get price estimates is driving to each insurance agency near you. Shopping for insurance coverage online eliminates the need for an insurance agent unless you have a need for the trained guidance of a licensed agent. Some companies do allow you to price shop online and still use a local agent.

Take whichever approach you prefer, but make sure you use identical quote information on every quote you get. If you are comparing differing limits then you won’t be able to truly determine the lowest rate.

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Five discounts for lower-cost auto insurance rates

Auto insurance can be pricey, but you may be missing some discounts that you may not even know about. Some of these disounts will be visible at the time of quoting, but some discounts are required to be asked about prior to getting the savings. If you do not double check each discount available, you are paying more than you should be.

• Good Student – This discount can get you a discount of up to 25%. The good student discount can last until age 25.
• No Claim Discounts – Insureds with no claims or accidents have much lower rates compared to drivers who are more careless.
• New Car Discount – Putting auto insurance coverage on a new car is cheaper due to better safety requirements for newer models.
• Early Payment Discounts – If paying your policy premium upfront instead of paying each month you could save up to 5%.
• Multi-car Discount – Insuring multiple vehicles with the same company may reduce the rate for each vehicle.

As is typical with insurance, most of the big mark downs will not be given the the whole policy. A few only apply to individual premiums such as physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, you’re out of luck. Any qualifying discounts will definitely reduce your policy premiums.

For a list of insurers offering auto insurance discounts, click here to view.

You may need specialized insurance coverage

When buying proper insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different.

These are some specific questions can aid in determining if your insurance needs would benefit from an agent’s advice.

• Are my friends covered when driving my 2001 Saturn L-Series?
• Am I insured when driving a different vehicle?
• What is roadside assistance coverage?
• Should I put collision coverage on all my vehicles?
• Am I covered by my spouse’s policy after a separation?
• Can I still get insurance after a DUI?
• What is the rate difference between pleasure use and commuting?
• Why do I need rental car insurance?
• Is there coverage for injuries to my pets?
• Who is covered by my policy?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Insurance coverage basics

Having a good grasp of your insurance policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers

This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred 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. This is the reason having UM/UIM coverage is a good idea.

Collision protection

Collision coverage will pay to fix damage to your L-Series from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as rolling your car, colliding with a tree, crashing into a ditch and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as rock chips in glass, damage from a tornado or hurricane, damage from flooding and a broken windshield. The most 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 not worth carrying full coverage.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for bills for things like doctor visits, X-ray expenses, hospital visits, pain medications and surgery. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Liability auto insurance

Liability coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy 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 a limit of $50,000 paid for damaged property.

Liability insurance covers claims such as pain and suffering, funeral expenses, attorney fees and bail bonds. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

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Knowledge is power

As you restructure your insurance plan, it’s a bad idea to skimp on coverage in order to save money. Too many times, drivers have reduced liability limits or collision coverage and discovered at claim time that it was a big error on their part. Your aim should be to purchase plenty of coverage at the best cost, but don’t skip important coverages to save money.

Budget-friendly insurance coverage is available from both online companies and also from your neighborhood agents, and you should compare rates from both to get a complete price analysis. Some insurance coverage companies may not offer rates over the internet and most of the time these smaller providers only sell through independent agents.

People who switch companies do it for a number of reasons such as not issuing a premium refund, delays in paying claims, an unsatisfactory settlement offer or even being labeled a high risk driver. No matter why you want to switch, finding a new insurance coverage company can be easier than you think.

For more information, feel free to visit the resources below:

• Five Mistakes to Avoid (Insurance Information Insitute)
• Determing Auto Insurance Rates (Geico)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)

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