We don’t have to point out that fact that auto insurance companies don’t want you to look for cheaper rates. Drivers who get price quotes annually will probably buy a new policy because they have a good chance of finding a policy with better rates. A study discovered that drivers who regularly compared rates saved $860 a year compared to drivers who never shopped around for lower prices.
If finding the lowest price on insurance in Aurora is the reason for your visit, knowing how to compare insurance rates can help you be more efficient.
If you want to save the most money, the best way to save money on Saturn Outlook insurance is to do an annual price comparison from providers in Aurora. Rates can be compared by following these steps.
- Step 1: Get an understanding of individual coverages and the things you can control to lower rates. Many policy risk factors that cause high rates such as tickets, at-fault accidents, and poor credit history can be improved by making small lifestyle or driving habit changes. This article gives additional ideas to get cheaper rates and find more discounts that you may not know about.
- Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only quote rates from one company like Progressive or Farmers Insurance, while independent agencies can quote rates from multiple companies.
- Step 3: Compare the new rate quotes to the price on your current policy and determine if cheaper Outlook coverage is available. If you find better rates and decide to switch, verify that coverage does not lapse between policies.
The key aspect of shopping around is that you’ll want to make sure you compare the same liability limits and deductibles on each quote request and and to compare as many companies as you can. This guarantees a fair price comparison and maximum price selection.
Saturn Outlook insurance quotes comparison
All major auto insurance companies like Progressive, GEICO, Allstate and State Farm give prices from their websites. Getting Saturn Outlook insurance prices online is quite easy because it’s just a matter of typing in the coverages you want into the form. Once you submit the form, their system orders reports for credit and driving violations and returns a price.
This makes it simple to compare prices and it’s necessary to do this if you want to get the lowest auto insurance rates.
To find out how much you’re overpaying now, check out the auto insurance providers below. If you currently have coverage, we recommend you complete the form with the coverage information identical to your current policy. This makes sure you will have rate quotes for similar coverage.
The auto insurance companies shown below are our best choices to provide free rate quotes in Colorado. To get the cheapest auto insurance in Aurora, we suggest you get price quotes from several of them to get the best price comparison.
Insurance statistics and figures
The premium table displayed next showcases estimates of insurance prices for Saturn Outlook models. Having a good grasp of how insurance quotes are formulated is important for you to make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outlook XE 2WD | $146 | $238 | $330 | $20 | $98 | $832 | $69 |
| Outlook XV 2WD | $146 | $238 | $330 | $20 | $98 | $832 | $69 |
| Outlook XE Premium 2WD | $162 | $282 | $330 | $20 | $98 | $892 | $74 |
| Outlook XE AWD | $162 | $282 | $330 | $20 | $98 | $892 | $74 |
| Outlook XE Premium AWD | $162 | $282 | $330 | $20 | $98 | $892 | $74 |
| Outlook XR-L 2WD | $162 | $282 | $330 | $20 | $98 | $892 | $74 |
| Outlook XR-L AWD | $162 | $282 | $330 | $20 | $98 | $892 | $74 |
| Outlook XR-L Premium 2WD | $162 | $282 | $330 | $20 | $98 | $892 | $74 |
| Outlook XR-L Premium AWD | $162 | $282 | $330 | $20 | $98 | $892 | $74 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Premium costs do not factor in zip code location which can influence premium rates noticeably.
The example below illustrates how your choice of deductibles and can increase or decrease Saturn Outlook yearly insurance costs for each different age category. The prices are based on a married male driver, full coverage, and no discounts are applied.
Tickets and at-fault accidents raise rates
The information below illustrates how traffic citations and at-fault accidents can impact Saturn Outlook car insurance rates for each age group. The data assumes a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.
Insurance rates based on gender in Aurora
The illustration below shows the difference between Saturn Outlook car insurance rates for male and female drivers. The rates are based on no tickets, no at-fault accidents, comp and collision included, $100 deductibles, drivers are single, and no additional discounts are factored in.
Liability only or full coverage
The chart below shows the difference between Saturn Outlook car insurance costs with full coverage and liability only. The information is based on no driving violations, no at-fault accidents, $500 deductibles, single status, and no other discounts are factored in.
Should you be buying full coverage?
There is no exact rule for phasing out physical damage insurance, but there is a general guideline. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then it might be time to buy liability only.
For example, let’s say your Saturn Outlook settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $3,000 after the deductible is paid. If it’s costing you more than $300 annually for full coverage, then it might be time to consider dropping full coverage.
There are some circumstances where removing full coverage is not advised. If you still have a loan on your vehicle, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not consider dropping full coverage.
Why do I need car insurance?
Even though it’s not necessarily cheap to insure a Saturn in Aurora, insurance serves several important purposes.
- The majority of states have mandatory insurance requirements which means you are required to carry a specific minimum amount of liability coverage in order to drive the car legally. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If you have a loan on your Saturn Outlook, more than likely the lender will make it mandatory that you buy insurance to protect their interest in the vehicle. If coverage lapses or is canceled, the lender will be forced to insure your Saturn at a much higher rate and require you to fork over the higher premium.
- Insurance safeguards both your Saturn Outlook and your personal assets. Insurance will pay for many types of medical costs for you, your passengers, and anyone else injured in an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, your insurance policy will pay all costs to repair after the deductible has been paid.
The benefits of insuring your car greatly outweigh the cost, especially for larger claims. Unknowingly, the average driver is overpaying over $700 annually so compare rate quotes once a year at a minimum to save money.
You Can Change Your Insurance Prices
Lots of things are taken into consideration when pricing auto insurance. Some of the criteria are obvious like a motor vehicle report, but other criteria are more transparent such as your credit history or your vehicle rating. A large part of saving on insurance is knowing the rating factors that help determine the price you pay for insurance. If you have some idea of what positively or negatively impacts your premiums, this allows you to make educated decisions that can earn you cheaper rates.
The itemized list below are some of the factors used by your company to calculate your premiums.
- Gaps in coverage mean higher prices – Driving without insurance is a misdemeanor and insurance companies will penalize you for letting your insurance lapse. In addition to paying higher rates, getting caught without coverage might get you a hefty fine and possibly a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with the Colorado department of motor vehicles.
- Long commutes cost more – The more you drive your Saturn annually the higher your rate. Most insurance companies calculate rates based on how the vehicle is used. Cars that do not get driven very much receive lower rates than vehicles that are driven to work every day. Ask your agent if your insurance declarations sheet is showing the correct usage for each vehicle. Improper usage on your Outlook can cost quite a bit.
- Amount of liability insurance – The liability coverage on your policy will afford coverage when you are found to be at fault for an accident. It provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so drivers should carry high limits.
- Improve your credit rating and save – Having a bad credit history factor in determining what you pay. Therefore, if your credit history is lower than you’d like, you could save money insuring your Saturn Outlook by taking the time to improve your credit score. Insureds that have very good credit scores tend to file fewer claims than drivers who have worse credit.
- Only buy what you need – Insurance policies have a lot of extra coverages that you can get tricked into buying but may not be useful. Add-on coverages like vanishing deductibles, better glass coverage, and motor club memberships are some examples. They may seem like a good idea when you first buy your policy, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
- Single vs. married – Being married may earn you lower rates when shopping for insurance. Having a significant other may mean you are more stable financially and insurance companies reward insureds because married drivers get in fewer accidents.
Compare. Compare. Compare.
We covered many ideas to lower your Saturn Outlook insurance premium rates in Aurora. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting the cheapest Saturn Outlook rate quotes. You may even find the best premium rates are with a small local company.
Budget-friendly car insurance in Aurora is definitely available from both online companies and with local Aurora insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance companies do not offer the ability to get quotes online and most of the time these regional carriers work with independent agents.
Drivers leave their current company for a variety of reasons including an unsatisfactory settlement offer, policy non-renewal, delays in paying claims and lack of trust in their agent. Whatever your reason, finding the right car insurance provider is actually quite simple.
Additional detailed information is located at these sites:
- Teen Driver Statistics (Insurance Information Institute)
- How Much are Car Insurance Rates with Multiple Speeding Tickets in Aurora? (FAQ)
- All About Airbag Safety (State Farm)
- Auto Insurance for Teen Drivers (Insurance Information Institute)