Compare 2008 Saturn Astra Insurance Rates

Searching for low-cost insurance for a Saturn Astra could be a lot of work, but you can use these tips to save time.

There is a better way to compare auto insurance rates so we’re going to tell you the absolute fastest way to compare rates for a Saturn and obtain the lowest possible price from local insurance agents and online providers.

Pricing affordable car insurance coverage is easy if you know what you’re doing. If you are insured now or need a new policy, you can use this information to cut your premiums while maximizing coverage. Consumers just need to learn the most effective way to shop over the internet.

Smart buyers can save money

Lots of factors are part of the equation when you get a price on insurance. A few of the factors are predictable such as traffic violations, but others are not as apparent like where you live or how safe your car is.

• Rates can drop if you have more than one policy – Most major insurance companies allow discounts to buyers that buy multiple policies in the form of a multi-policy discount. If you currently are using one company, drivers will still want to compare other company rates to help guarantee you have the best rates. Drivers may still save money by insuring with multiple companies.
• Men are more aggressive – Statistics show that men are more aggressive behind the wheel. However, don’t assume that males are worse at driving than females. Women and men are in auto accidents in similar numbers, but males have accidents that have higher claims. In addition to higher claims, males also receive more major tickets like DWI (DUI) or reckless driving.
• Lower coverage deductibles cost more – Comprehensive and collision coverage deductibles are how much the insured will be required to pay before your car insurance pays a claim. Coverage for physical damage, also called ‘full coverage’, covers damage that occurs to your car. A few examples of covered claims would be rearending another vehicle, animal collisions, and damage caused by road hazards. The more of the claim you pay before a claim is paid (deductible), the lower your rates will be for Astra coverage.
• Lower premiums with continuous car insurance coverage – Allowing your car insurance policy to lapse will be a guaranteed way to trigger a rate increase. Not only will rates go up, getting caught without coverage could earn you fines or a revoked license.

Discounts to earn affordable insurance rates

The price of auto insurance can be rather high, but there may be some discounts that many consumers don’t even know exist. A few discounts will automatically apply when you complete an application, but occassionally some discounts must be requested specifically before you will receive the discount. If you do not double check each discount you qualify for, you are not getting the best rate possible.

• Life Insurance – Some insurance companies give lower insurancerates if you buy some life insurance in addition to your auto policy.
• Professional Memberships – Being a member of qualifying clubs or civic groups may earn a discount on your next insurance statement.
• Early Switch Discount – Select insurance companies give a discount for signing up before your current coverage expires. It can save you around 10%.
• Discounts for Safe Drivers – Insureds who avoid accidents could pay up to 40% less for Astra coverage compared to accident prone drivers.
• College Student – Older children who live away from home at college without a vehicle on campus could get you a discount.

Consumers should know that most credits do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like medical payments or collision. Even though it appears all those discounts means the company will pay you, that’s just not realistic. Any amount of discount will bring down your policy cost.

A list of insurance companies and some of the premium reductions they offer are outlined below.

• Esurance discounts include Pac-12 alumni, good student, renters, good driver, and DriveSense.
• The Hartford has savings for air bag, vehicle fuel type, defensive driver, bundle, and driver training.
• AAA includes discounts for multi-policy, pay-in-full, good driver, AAA membership discount, anti-theft, good student, and education and occupation.
• Geico may include discounts for driver training, good student, defensive driver, air bags, multi-vehicle, membership and employees, and five-year accident-free.
• State Farm may have discounts that include multiple autos, defensive driving training, Steer Clear safe driver discount, safe vehicle, driver’s education, passive restraint, and anti-theft.

If you want inexpensive insurance quotes, ask every insurance company what discounts are available to you. Depending on the company, some discounts might not be available to policyholders in your state. To choose providers that offer the discounts shown above, click here to view.

Smaller companies may have the best rates

Consumers can’t get away from all the ads that claim the best rates by Progressive, Allstate and Geico. All the ads say the same thing that drivers will save a bundle if you just switch your coverage.

It sounds good, but how can they all charge less that you’re paying now? Just pay attention to how they say it.

Insurance providers require specific criteria for the type of customer that makes them money. An example of a desirable risk might be described as over the age of 40, has other policies, and chooses high deductibles. Anybody who matches those parameters receive the lowest rate quotes and therefore will cut their rates if they switch.

Consumers who do not meet these standards will be charged a more expensive rate which usually ends up with business going elsewhere. If you listen closely, the ads state “people that switch” but not “all drivers who get quotes” save that kind of money. That’s why companies can truthfully make those statements.

This emphasizes why drivers should compare free insurance quotes often. You cannot predict which company will have the lowest rates.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s needs are different.

For example, these questions might point out whether or not you may require specific advice.

• Do all my vehicles need collision coverage?
• Does insurance cover tools stolen from my truck?
• What is medical payments coverage?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Can I make deliveries for my home business?
• How can I get my company to pay me more for my totalled car?
• Do I need to file an SR-22 for a DUI in my state?
• Why do I need rental car insurance?
• Is my camper covered by my car insurance policy?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

Car insurance 101

Having a good grasp of auto insurance helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage – This provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Saturn Astra.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Frequently these coverages are identical to your policy’s liability coverage.

Coverage for medical payments – Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like dental work, X-ray expenses, hospital visits and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision – Collision insurance pays for damage to your Astra resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like sustaining damage from a pot hole, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Auto liability – This can cover damage that occurs to people or other property. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims like funeral expenses, attorney fees, legal defense fees, emergency aid and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverages – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hail damage, vandalism and fire damage. The most your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Be a money saver!

While you’re price shopping online, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed physical damage coverage only to find out they didn’t purchase enough coverage. The ultimate goal is to get the best coverage possible at the best cost while not skimping on critical coverages.

Insureds who switch companies do it for any number of reasons including policy non-renewal, extreme rates for teen drivers, delays in paying claims and even being labeled a high risk driver. Whatever your reason, choosing a new company is less work than it seems.

You just read many ideas to get a better price on 2008 Saturn Astra insurance. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even find the most savings is with a lesser-known regional company.

Additional information can be read on the following sites:

• Drunk Driving Statistics (Insurance Information Insitute)
• All About Airbag Safety (State Farm)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Tools for Teen Driving Safety (State Farm)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Insurance Losses by Make and Model (iihs.org)