8 Top Methods to Lower Saturn SC2 Insurance Expenses

Finding the cheapest insurance for a new or used Saturn SC2 can be a painful process, but you can learn a few tricks to find lower rates.

There are both good and bad ways to buy car insurance and we’ll show you the absolute fastest way to price shop coverage for a new or used Saturn and locate the lowest price either online or from local insurance agents.

Smart consumers take time to compare rates before your policy renews since insurance rates change frequently. If you had the best price on SC2 insurance a few years ago there is a good chance you can find better rates now. So forget anything you know (or think you know) about car insurance because I’m going to teach you the only way to remove unneeded coverages and save money.

Don’t overlook these eight discounts

Car insurance can cost a lot, but discounts can save money and there are some available that you may not know about. Certain discounts will be applied when you complete an application, but a few need to be inquired about prior to receiving the credit. If you’re not getting every credit you deserve, you are throwing money away.

Payment Discounts – By paying your policy upfront rather than paying monthly you could save 5% or more.
Multi-policy Discount – When you have multiple policies with the same insurance company you may save approximately 10% to 15%.
Driver’s Ed – Require your teen driver to take driver’s ed class if it’s offered in school.
Theft Prevention Discount – Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
Safe Drivers – Safe drivers may receive a discount up to 45% less on SC2 insurance than drivers with accidents.
Clubs and Organizations – Affiliation with a qualifying organization could trigger savings when buying car insurance on SC2 insurance.
Multiple Vehicles – Buying coverage for multiple vehicles on one policy could earn a price break for each car.
Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can receive discounts of 20% or more.

A little note about advertised discounts, most discount credits are not given to the entire cost. Most only cut specific coverage prices like physical damage coverage or medical payments. Just because it seems like adding up those discounts means a free policy, companies don’t profit that way. But any discount will reduce your overall premium however.

To see a list of providers who offer car insurance discounts, click here to view.

What about my local agents?

A small number of people just want to buy from a local agent and that is just fine! Professional agents can help determine the best coverages and help file insurance claims. One of the great benefits of price shopping on the web is the fact that you can find better rates and still have an agent to talk to. Buying from local agencies is important especially if you live in a smaller city or town.

To help locate an agent, after submitting this form (opens in new window), the coverage information is submitted to companies who will compete for your insurance coverage. You never need to drive around as quotes are delivered directly to your email.

Captive agents vs. Independent agents

When looking for an insurance agent, there are two different agency structures that you can select. Agencies can either be independent or captive. Both properly insure your vehicles, but it’s good to learn the differences since it can impact the type of agent you choose

Independent Agents (or Brokers)

Independent insurance agents are not locked into one company so they have the ability to put coverage with lots of companies and potentially find a lower price. If you are not satisfied with one company, your agent can switch companies and you won’t have to switch agencies. When searching for an agent, it’s recommended you include price quotes from multiple independent agents for maximum quote selection.Most can insure with smaller companies which can be an advantage.

Captive Insurance Agents

Captive agents are contracted to one company such as AAA, Allstate and State Farm. These agents are unable to shop your coverage around so they have no alternatives for high prices. Captive agents are very knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums. Some people will only buy from captive agents partially due to the brand legacy and strong financial ratings.

To view a full list of insurance agents, visit this page.

Deciding on an insurance agency should depend on more than just the bottom line cost. Here are some questions to ask: insurance cheap

Can glass repairs be made at your home?
Do they carry Errors and Omissions coverage?
Are they properly licensed to sell insurance in your state?
Which company do they place the most coverage with?
Is vehicle mileage a factor when determining depreciation for repairs?

After receiving acceptable answers to any questions you have and an acceptable price quote, most likely you have located an insurance agency that is a good match to provide car insurance coverage. But remember, consumers can cancel your coverage at any point so don’t assume that you’re stuck with a policy for any length of time.

Can switching companies really save?

Drivers constantly see and hear ads for cheaper car insurance from the likes of Allstate and Progressive. All the ads make the same claim that you’ll save big after switching your coverage to them.

How can each company say the same thing? It’s all in the numbers.

Different companies have a certain “appetite” for the type of customer they prefer to insure. An example of a preferred risk could be over the age of 40, a clean driving record, and drives less than 10,000 miles a year. A propective insured that hits that “sweet spot” will get very good rates and therefore will pay quite a bit less when switching companies.

Consumers who fall outside the “perfect” profile will be quoted a more expensive rate and this can result in business going elsewhere. The ads say “customers who switch” not “everybody who quotes” save money. That is how insurance companies can advertise the way they do.

This emphasizes why you should compare many company’s rates. It’s impossible to know which company will have the lowest rates.

Specific coverage details

Learning about specific coverages of your policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Auto collision coverage

This coverage will pay to fix damage to your SC2 caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like hitting a mailbox, hitting a parking meter, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a deer, damage from flooding, a tree branch falling on your vehicle, falling objects and rock chips in glass. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance

Med pay and PIP coverage kick in for expenses such as pain medications, doctor visits, funeral costs, rehabilitation expenses and surgery. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

UM/UIM Coverage

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Saturn SC2.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages are similar to your liability insurance amounts.

Liability car insurance

Liability coverage can cover damage or injury you incur to other people or property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like legal defense fees, funeral expenses, structural damage, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Smart shoppers get results

You just read a lot of techniques to reduce Saturn SC2 insurance prices online. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. You may be surprised to find that the most savings is with the least-expected company.

Cost effective Saturn SC2 insurance is attainable on the web and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some car insurance companies may not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

When you buy insurance online, never skimp on critical coverages to save a buck or two. In many cases, an insured dropped uninsured motorist or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy enough coverage for the lowest price.