Top Tips to Paying Less to Insure a Saturn LS2

Drivers have options when trying to find low-cost Saturn LS2 insurance. You can either waste hours driving around to compare prices or leverage the internet to get rate quotes. There are both good and bad ways to buy auto insurance and you need to know the absolute fastest way to compare rates for a Saturn and get the cheapest rates either online or from local insurance agents.

Saturn LS2 insurance rates have many determining factors

Consumers need to have an understanding of the rating factors that play a part in calculating auto insurance rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that will entitle you to big savings.

Shown below are a few of the “ingredients” used by your company to calculate prices.

Men fork out a little more – Statistics show that women are safer drivers than men. Now that doesn’t mean women are BETTER drivers than men. Both sexes cause accidents at about the same rate, but the males tend to have more serious accidents. They also receive more costly citations like DUI and reckless driving.
High numbers of claims are not good – Car insurance companies give better rates to drivers who file claims infrequently. If you file claims often, you can definitely plan on higher rates. Auto insurance is intended to be relied upon for the large, substantial claims.
Traffic violations increase rates – Just one speeding ticket can boost insurance rates by twenty percent. Careful drivers get better rates than people who have multiple driving citations. Drivers who have severe citations such as reckless driving, hit and run or driving under the influence may need to file a SR-22 with their state DMV in order to drive a vehicle legally.
Your job and insurance rates – Did you know that where you work can have an impact on rates? Occupations like judges, business owners and financial analysts tend to pay higher average rates because of job stress and long work days. Conversely, professions such as farmers, engineers and homemakers have the lowest average rates for LS2 insurance.
Don’t buy coverages you don’t need – There are a ton of extra bells and whistles that you can get tricked into buying on your LS2 policy. Coverages for vanishing deductibles, accidental death and membership fees are some examples. These may sound like a good investment when talking to your agent, but your needs may have changed so eliminate them to save money.
What type of vehicle do you drive? – The performance level of the car you drive makes a substantial difference in determining your rates. Due to the fact that the Saturn LS2 is classified as a sedan, insurance will be about the same when compared to the average rates. Economy passenger models generally have the cheapest insurance rates, but other factors influence the final cost greatly.
Better credit scores mean better rates – Credit score is a important factor in calculating your auto insurance rates. People with excellent credit tend to be more responsible as compared to drivers with lower ratings. Therefore, if your credit score is low, you could pay less to insure your Saturn LS2 by improving your rating.

Automobile Insurance Quotes

Lowering your Saturn LS2 auto insurance rates doesn’t have to be difficult. You just have to take a few minutes getting comparison quotes online with multiple companies. This is very easy and can be done in a couple of different ways.

The first (and easiest) way to compare a lot of rates at once is an all-inclusive rate comparison like this one (opens in new window). This type of form eliminates the need for repetitive form submissions for every auto insurance company. A single, simple form will return quotes from all major companies. It’s the fastest way to compare.
A different way to compare rate quotes requires a trip to the website of each company and complete a new quote form. For instance, let’s say you want to compare Nationwide, GEICO and Travelers. You would have to take the time to go to each site and enter your information, which is why the first method is more popular.
For a list of links to companies insuring cars in your area, click here.
The least recommended method to get comparison rates is driving to different agent offices. Shopping for auto insurance online makes this process obsolete unless you want the professional advice of a licensed agent. However, consumers can compare online quotes but still have the advice of a local agent and you’ll learn how to do that later.

It’s up to you which method you use, but ensure you are comparing apples-to-apples quote information on every quote you get. If you compare mixed coverages you will not be able to determine the lowest rate for your Saturn LS2.

Is there truth in advertising?

Consumers can’t ignore all the ads that promise big savings by Progressive, GEICO, Allstate and State Farm. They all make an identical promise that you’ll save big if you change to their company.

How does each company make almost identical claims? It’s all in the numbers.

Insurance companies have a preferred profile for the type of customer they prefer to insure. A good example of a preferred risk could possibly be over the age of 50, a clean driving record, and has great credit. A customer getting a price quote who matches those parameters will get very good rates and as a result will probably save a lot of money.

Consumers who do not match this ideal profile will be quoted higher rates which leads to business not being written. The ads state “customers that switch” not “people who quote” save that much money. That is how companies can truthfully state the savings. This emphasizes why you should compare many company’s rates. It’s not possible to predict which auto insurance company will give you the biggest savings.

Policy discounts you shouldn’t miss

Companies don’t always advertise every available discount in a way that’s easy to find, so we break down both the well known as well as the least known savings tricks you should be using. If you aren’t receiving every discount available, you’re just leaving money on the table. insurance banner

Discount for New Cars – Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
Fewer Miles Equal More Savings – Keeping the miles down on your Saturn could qualify for discounted rates on garaged vehicles.
Accident Free – Drivers with accident-free driving histories pay much less when compared to drivers who are more careless.
Life Insurance – Larger companies have lower rates if you buy life insurance from them.
Discounts for Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for LS2 insurance than drivers with accident claims.
Memberships – Participating in a qualifying organization could qualify you for a break on your policy for LS2 insurance.
Driver Safety – Successfully completing a driver safety course could save 5% or more and easily recoup the cost of the course.
Federal Government Employee – Being employed by or retired from a federal job may qualify you for a discount for LS2 insurance depending on your company.
Military Discounts – Being on active duty in the military could be rewarded with lower premiums.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. The majority will only reduce individual premiums such as comp or med pay. So when the math indicates you could get a free auto insurance policy, companies wouldn’t make money that way.

To see a list of insurance companies with the best auto insurance discounts, click this link.

What if I want to buy from a local agent?

Some consumers prefer to buy from a licensed agent and that is just fine! Good agents can point out coverage gaps and help file insurance claims. One of the best bonuses of comparing insurance prices online is you can get the lowest rates and still have an agent to talk to.

Upon completion of this quick form, your coverage information is immediately sent to agents in your area who will return price quotes for your coverage. There is no need to leave your house as quotes are delivered to the email address you provide. Now that’s easy!

Selecting an provider should depend on more than just a low price. These questions are important to ask:

What will you get paid if your car is a total loss? How is that amount determined?
Do they specialize in personal lines coverage?
Can glass repairs be made at your home?
Are there any hidden costs in their price quote and does it include driving and credit history?
Are claim adjusters local or do you have to take your car somewhere else?
Do you have coverage for a rental car if your vehicle is in the repair shop?
How long has their agency been in business?

Two types of car insurance agents

When finding a good insurance agency, you need to know there are two types of agencies to choose from. Agencies are classified as either independent (non-captive) or captive. Both types can do a good job, but it’s good to learn the differences because it can influence buying decisions.

Agency Captives

Captive insurance agents are contracted to one company and some examples include American Family, State Farm and Allstate. They are unable to provide prices from multiple companies so they are skilled at selling on more than just price. They are usually quite knowledgeable in insurance sales which helps them compete with independent agents. Some people will only buy from captive agents mainly due to loyalty to the company and the convenience of having all coverages with one company.

Independent Agents

Independent agents are not locked into one company but instead can place your coverage with multiple insurance companies depending on which coverage is best. To transfer your coverage to a different company, your agent can switch companies without you having to go to a different agency.

When comparison shopping, you should always contact multiple independent agents to ensure the widest selection of prices. They often place coverage with different regional companies which may provide better rates.

For a full directory of insurance agencies, visit this page.

Once you have reasonable responses for all questions you ask and locked in a price quote, you may have just found an auto insurance agent that can insure your vehicles.

Do the work, save more money

When you buy insurance online, make sure you don’t buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed physical damage coverage to discover at claim time that the savings was not a smart move. Your aim should be to buy enough coverage at a price you can afford.

Insureds change insurance companies for a number of reasons such as extreme rates for teen drivers, unfair underwriting practices, policy non-renewal or policy cancellation. It doesn’t matter why you want to switch finding a new auto insurance company is pretty easy and you might even save some money in the process.

Affordable Saturn LS2 insurance can be sourced both online as well as from independent agents, and you need to price shop both to get a complete price analysis. Some insurance companies don’t offer online quoting and these small insurance companies work with independent agents.