Locating low-cost insurance for your Saturn Outlook could be an all-consuming task, but you can use our car insurance buying tips to save time.
There is a better way to compare car insurance rates so you’re going to learn the proper way to compare rates for your Saturn and find the lowest possible price from local insurance agents and online providers.
Consumers should take time to compare rates once or twice a year because insurance rates are rarely the same from one policy term to another. Even if you think you had the lowest price on Outlook insurance a couple years back you will most likely find a better rate today. Block out anything you think you know about car insurance because you’re about to find out how to quote online to save money, get proper deductibles and limits, all at the lowest rate.
Comprehensive Car Insurance Comparison Quotes
Most major insurance companies like Progressive, GEICO, Allstate and State Farm provide prices for coverage directly from their websites. Getting quotes is fairly simple as you simply enter your personal and coverage information into the quote form. When complete, the system pulls credit information and your driving record and quotes a price based on many factors.
Quoting online simplifies rate comparisons, but the time required to go to several different sites and enter the same data into a form is monotonous and tiresome. But it’s very important to do this if you want to find better car insurance pricing.
The better way to compare rates
The easiest way to locate the lowest prices requires only one form to return rates from several companies at one time. This type of form saves time, reduces the work, and makes rate comparisons much simpler. Once the form is submitted, it is quoted and you can select your choice of the returned quotes.
If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. This process can be completed in a matter of minutes and you will know how your current rates stack up.
To quickly use this form to compare rates, click here and complete the simple form. If you have your current policy handy, we recommend you copy the limits and deductibles just like they are on your policy. Using the same limits helps guarantee you will be getting an apples-to-apples comparison based on similar coverages.
Be sure to get all your discounts
Car insurance is not cheap, but companies offer discounts to reduce the price significantly. Some discounts apply automatically at the time of quoting, but less common discounts must be inquired about before you get the savings. If you don’t get every credit you deserve, you are throwing money away.
- Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
- Federal Employees – Active or retired federal employment can earn a discount up to 10% on Outlook insurance with certain companies.
- Anti-lock Brake Discount – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
- Air Bag Discount – Factory air bags and/or automatic seat belt systems can get savings of up to 25% or more.
- Theft Prevention System – Anti-theft and alarm systems help deter theft and will save you 10% or more.
- Discount for Life Insurance – Companies who offer life insurance give a break if you buy a life insurance policy as well.
- Seat Belts Save – Drivers who require all occupants to use a seat belt can save 10% or more off the personal injury premium cost.
- Resident Student – Kids in college who are attending college and do not have a car may be able to be covered for less.
- Clubs and Organizations – Participating in a professional or civic organization could trigger savings on car insurance on Outlook insurance.
- No Accidents – Good drivers with no accidents pay much less as compared to bad drivers.
As a disclaimer on discounts, many deductions do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as liability and collision coverage. So when it seems like all those discounts means the company will pay you, it just doesn’t work that way. But all discounts will help reduce the amount you have to pay.
To choose insurers with discount car insurance rates, click here.
Online quotes with a local insurance agent
Some consumers would rather visit with an insurance agent. Professional agents are trained to spot inefficiencies and give you peace of mind. The best thing about getting online price quotes is the fact that you can find the best rates and still have an agent to talk to. And providing support for local insurance agencies is important especially in small towns and cities.
Upon completion of this form (opens in new window), your insurance data is submitted to local insurance agents who will compete to get your business. You won’t need to leave your computer because quoted prices will be sent to the email address you provide.
Choose an insurance agent wisely
When looking for a reliable agent, you must know there are a couple different agency structures that you can select. agents are classified as either independent (non-captive) or captive. Both types can write coverage properly, but it’s good to learn the difference between them since it may influence your selection of an agent.
Independent Agencies or Brokers
Independent insurance agents are not locked into one company but instead can place your coverage with many different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, they simply move the coverage in-house and you don’t have to find a new agent.
When searching for an agent, you should always get quotes from at least one independent agent for the best price selection. Most have the option of insuring with smaller regional carriers which can save you money.
Captive Insurance Agents
Captive agencies can only write with one company like State Farm, AAA and Liberty Mutual. They usually cannot compare other company’s rates so keep that in mind. These agents receive extensive training on the products they sell which helps them compete with independent agents. Some people will only choose to use a captive agent mostly because of the brand legacy and the convenience of having a single billing for all their coverages.
To view a full list of insurance agencies, visit this page.
Choosing a car insurance agent requires more thought than just the bottom line cost. Any agent should have no problem answering these questions:
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Is vehicle mileage a factor when determining depreciation for repairs?
- What insurance companies do they work with?
- How are claims handled?
- If you have an accident, will your rates go up?
- Can they give you a list of client referrals?
Upon getting good answers to your questions and locked in a price quote, you may have just found an auto insurance agent that can adequately provide car insurance. Keep in mind consumers can terminate your policy for any reason so don’t feel that you are obligated to a policy for the entire policy term.
Specifics of your car insurance policy
Having a good grasp of car insurance can help you determine which coverages you need for your vehicles. Car insurance terms can be confusing and nobody wants to actually read their policy.
Coverage for collisions
This will pay to fix damage to your Outlook caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.
Collision coverage pays for things such as driving through your garage door, scraping a guard rail, hitting a mailbox and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.
Comprehensive insurance
This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers things such as rock chips in glass, hail damage, theft, a tree branch falling on your vehicle and hitting a deer. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Med pay and Personal Injury Protection (PIP)
Medical payments and Personal Injury Protection insurance pay for expenses for chiropractic care, EMT expenses, X-ray expenses, dental work and nursing services. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage
Uninsured/Underinsured Motorist (UM/UIM)
Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Saturn Outlook.
Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Most of the time these coverages are similar to your liability insurance amounts.
Liability insurance
This coverage can cover damage that occurs to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.
Liability coverage protects against things like legal defense fees, medical expenses, structural damage and bail bonds. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.
A tidy conclusion
When buying insurance coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced physical damage coverage and discovered at claim time that it was a big error on their part. The aim is to buy enough coverage at the best price, not the least amount of coverage.
People leave their current company for a variety of reasons including delays in paying claims, unfair underwriting practices, high rates after DUI convictions or even delays in responding to claim requests. It doesn’t matter why you want to switch finding a great new company is not as hard as you think.
Affordable Saturn Outlook insurance can be bought both online in addition to many insurance agents, and you need to comparison shop both to have the best selection. Some companies do not provide online price quotes and these small insurance companies work with independent agents.
