8 Discounts Shoppers Overlook when Buying Insurance Online for a Saturn Outlook

Have you fallen victim to high-priced auto insurance? Believe me, there are lots of people in the same boat. With consumers having so many insurance companies to choose from, it is hard for the average consumer to choose the lowest price insurer.

Lots of discounts mean lots of savings

Car insurance companies don’t always advertise all their discounts very clearly, so we break down some of the more common and the harder-to-find auto insurance savings. If you’re not getting every credit possible, you’re paying more than you need to.

• More Vehicles More Savings – Insuring multiple cars or trucks with the same company qualifies for this discount.
• Government Employees – Employees or retirees of the government may qualify you for a discount on Outlook coverage with select insurance companies.
• Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
• Safety Course Discount – Taking part in a driver safety course could possibly earn you a 5% discount depending on where you live.
• Multiple Policy Discount – If you insure your home and vehicles with the same company you will save approximately 10% to 15%.
• Air Bag Discount – Vehicles with factory air bags or motorized seat belts may earn rate discounts of 20% or more.
• Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
• No Claims – Claim-free drivers can earn big discounts as compared to accident-prone drivers.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Most cut the price of certain insurance coverages like liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, it doesn’t quite work that way.

For a list of providers with the best auto insurance discounts, click here.

Situations that might require an agent

When it comes to buying proper insurance coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that may help you determine whether you could use an agent’s help.

• When should my teen driver be added to my policy?
• Will I be non-renewed for getting a DUI or other conviction?
• Do I benefit by insuring my home with the same company?
• Can I afford to buy a different vehicle if my Saturn Outlook is totaled?
• Am I covered if I crash into my own garage door?
• What if I total my Saturn Outlook and owe more than it’s worth?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

What happened to insurance agents?

A small number of people would rather buy from a local agent and that is OK! Educated insurance agents are trained to spot inefficiencies and help file insurance claims. The biggest benefit of comparing rates online is you can get lower rates and still choose a local agent.

Once you complete this quick form, the quote information is sent to local insurance agents who will give you bids for your business. You won’t need to leave your house since price quotes are sent immediately to your email address. It doesn’t get any easier!

Selecting an provider requires more thought than just the price. These questions are important to ask:

• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• Do the coverages you’re quoting properly cover your vehicle?
• What insurance companies do they recommend if they are an independent agent?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• Which members of your family are coverage by the policy?

If you wish to view a list of agents in your state to contact, visit this site.

Upon getting answers to your satisfaction to these questions and an affordable coverage quote, most likely you have located an insurer that is a good match to provide auto insurance coverage.

Auto insurance coverage specifics

Having a good grasp of your auto insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. These are typical coverage types available from auto insurance companies.

Uninsured or underinsured coverage – This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Saturn Outlook.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Auto liability – This coverage will cover damage that occurs to a person or their property. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things like structural damage, repair bills for other people’s vehicles, loss of income and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive protection – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from getting keyed, a tree branch falling on your vehicle, fire damage and vandalism. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense coverage – Med pay and PIP coverage kick in for short-term medical expenses such as ambulance fees, chiropractic care, X-ray expenses, rehabilitation expenses and pain medications. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverage – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like backing into a parked car, colliding with a tree and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Best coverage at the best price

We covered a lot of techniques to lower your Saturn Outlook insurance rates. The key thing to remember is the more companies you get rates for, the better likelihood of reducing your rate. You may be surprised to find that the lowest premiums are with a small local company. Regional companies can often provide lower rates in certain areas compared to the large companies like GEICO and State Farm.

The cheapest Saturn Outlook insurance is definitely available on the web as well as from independent agents in your state, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies don’t offer online price quotes and most of the time these small, regional companies sell through independent agents.