Trying to find the cheapest insurance for a new or used Saturn Sky can be a lot of work, but you can follow these tips to make it easier. There is a right way and a wrong way to buy car insurance and you need to know the best way to price shop coverage for a Saturn and locate the lowest possible price.
Where can I get affordable car insurance?
All the larger car insurance companies provide coverage price quotes online. Comparing rates online can be done by anyone because you just enter your personal and coverage information on the page. After the form is submitted, their rating system will order your credit score and driving record and gives you a price quote based on the data you entered.
This helps simplify price comparisons, but the time it takes to visit several different sites and enter the same data into a form gets old quite quickly. But it is imperative to compare as many rates as possible if you want to get better car insurance pricing.
Quote rates the easy way
A more efficient way to find cheaper rates uses one form that gets price quotes from many companies. It’s a real time-saver, requires much less work on your part, and makes online quotes a lot less work. As soon as the form is sent, it is quoted with multiple companies and you can pick any one of the returned quotes. If a lower price is quoted, it’s easy to complete the application and buy the policy. This process takes less than 15 minutes and could lower your rates considerably.
In order to fill out one form to compare multiple rates now, click here to open in a new tab and begin entering your coverage information. If you have a policy now, it’s recommended you enter your coverages exactly as shown on your declarations page. Doing this guarantees you will have rate quotes using the exact same coverages.
Save $452 a year? Really?
Allstate and Progressive seem to constantly run television, radio, and online ads. They all make the same claim about how much you will save just by moving your coverage. How does each company charge lower premium rates? This is how they do it.
Companies have specific characteristics for a prospective insured that will most likely be profitable. An example of this type of insured may be a mature driver, has had continuous coverage, and drives less than 10,000 miles a year. A customer getting a price quote who fits those characteristics will probably get the lowest premium rates and therefore will save some money.
Potential customers who cannot meet the “perfect” profile may receive a higher premium and this can result in the prospect going elsewhere. The ad wording is “drivers that switch” not “everybody who quotes” can save as much as they claim. That’s the way insurance companies can confidently state the savings. Different companies use different criteria so drivers must compare rate quotes every year. Because without a comparison, you cannot know which car insurance company will fit your personal profile best.
Why Informed Consumers Pay Less for Saturn Sky Insurance
Lots of things are used when you get a price on insurance. A few of the factors are predictable like a motor vehicle report, although others are not quite as obvious such as your marital status or how financially stable you are. Part of the car insurance buying process is learning the rating factors that are used to determine your policy premiums. If you understand what influences your rates, this enables informed choices that will entitle you to big savings.
- Tough job may mean higher rates – Careers like doctorspolice officers and accountants have higher average rates because of intense work situations and long work days. On the flip side, professions such as professors, engineers and homemakers have the lowest average rates on Sky coverage.
- Lower rates come with age – Older insureds are shown to be more cautious, tend to file fewer claims , and usually have better credit.Drivers with little experience tend to be careless and easily distracted when driving with friends so they pay higher car insurance rates.
- Pay more out-of-pocket – Deductibles for physical damage tell how much you are required to spend out-of-pocket before a claim is paid by your company. Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some instances where coverage would apply are rearending another vehicle, hail damage, and having a roll-over accident. The more expense you are required to pay out-of-pocket, the bigger discount you will receive on Sky coverage.
- Cheaper to insure females? – Statistics show that females take fewer risks when driving. It does not mean females are better at driving than males. Males and females cause at-fault accidents at a similar rate, but males cause more damage. Men also statistically receive more costly citations such as reckless driving. Youthful male drivers tend to get in the most accidents and therefore pay the highest rates.
- Alarm systems lowers premiums – Purchasing a vehicle with a theft deterrent system can help lower your premiums. Advanced theft deterrents such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping car theft and help bring rates down.
Discounts can really help to save
Car insurance is expensive, but there are discounts available to cut the cost considerably. Many of these discounts will be applied automatically when you purchase, but a few must be requested specifically before being credited.
- Theft Deterent Discount – Vehicles optioned with advanced anti-theft systems help deter theft and can earn a small discount on your policy.
- Homeowners Savings – Owning a house can save a few bucks since home ownership requires personal responsibility.
- Student Driver Training – Reduce the cost of insurance for teen drivers by having them take driver’s ed class in school.
- Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a break if you buy life insurance from them.
- Accident Forgiveness – This one isn’t a discount, but some insurance companies will allow you to have one accident before hitting you with a surcharge so long as you are claim-free for a specific time period.
- Responsible Driver Discounts – Drivers who don’t get into accidents can save up to 40% or more on their on Sky coverage than drivers with accident claims.
While discounts sound great, it’s important to understand that many deductions do not apply the the whole policy. Most only apply to specific coverage prices like liability and collision coverage. Despite the fact that it seems like you would end up receiving a 100% discount, you won’t be that lucky. But all discounts will help lower the cost of coverage.
Companies and some of the premium reductions they offer can be found below.
- Farm Bureau policyholders can earn discounts including 55 and retired, youthful driver, good student, multi-policy, renewal discount, multi-vehicle, and driver training.
- State Farm offers discounts for Steer Clear safe driver discount, accident-free, Drive Safe & Save, anti-theft, passive restraint, defensive driving training, and driver’s education.
- Progressive may have discounts that include homeowner, online signing, continuous coverage, multi-policy, multi-vehicle, good student, and online quote discount.
- Allstate may offer discounts for safe driver, FullPay discount, eSmart discount, farm vehicle, and premier discount.
- Nationwide offers premium reductions for good student, defensive driving, easy pay, family plan, multi-policy, and Farm Bureau membership.
- MetLife may include discounts for defensive driver, claim-free, accident-free, multi-policy, and good student.
Before buying, ask each insurance company which discounts you may be entitled to. A few discounts may not be available in your area. To find insurers who offer discounts, click here to view.
Be persistent and save
When trying to cut insurance costs, it’s a bad idea to buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice physical damage coverage only to discover later that they should have had better coverage. Your objective should be to buy a smart amount of coverage for the lowest cost, but do not sacrifice coverage to save money.
You just learned many tips how you can reduce Saturn Sky insurance prices online. The key thing to remember is the more times you quote, the better chance you’ll have of finding . You may even find the lowest priced car insurance comes from the least-expected company.
People switch companies for a number of reasons such as poor customer service, lack of trust in their agent, policy non-renewal or not issuing a premium refund. Regardless of your reason, finding a new car insurance company is less work than it seems.
