How Much Does 2008 Saturn Outlook Car Insurance Cost?

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Are you a victim of an underperforming, overpriced insurance coverage policy? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out.

Drivers have so many insurers to purchase coverage from, and although it’s a good thing to be able to choose, it can be more difficult to locate the cheapest rates.

It’s smart to check insurance coverage prices on a regular basis because rates tend to go up over time. Just because you had the best deal for Outlook insurance two years ago a different company probably has better rates today. Block out anything you think you know about insurance coverage because you’re about to learn one of the quickest ways to find the best coverage while lowering your premiums.

Which Car Insurance is Cheapest?

When shopping for car insurance there are multiple ways to compare rate quotes from different insurance companies. One of the best ways to find the lowest 2008 Saturn Outlook rates is simply to get online rate quotes. This is very easy and can be done in just a few minutes using one of these methods.

  • The most efficient way consumers can analyze rates would be an industry-wide quote request form like this one (opens in new window). This type of form eliminates the need for separate quotation requests for each company. Filling out one form will return price quotes from multiple companies.
  • Another way to obtain and compare quotes online requires a visit to the website for every company you want to comare to complete a price quote. For examples sake, we’ll pretend you want to compare Auto-Owners, Progressive and Liberty Mutual. You would have to spend time on each company’s site and enter your information, which is why most consumers use the first method.For a list of links to insurance companies in your area, click here.

However you get your quotes, make darn sure you compare exactly the same coverages and limits for every quote you compare. If you enter different deductibles you can’t possibly make a fair comparison for your Saturn Outlook. Just a small difference in coverages can mean a large discrepancy in price. Just remember that having more price comparisons will increase your chances of finding a lower rate.

Drivers who switch save $487 a year? Really?

Auto insurance companies such as Allstate and Progressive constantly bombard you with ads on television and other media. They all seem to say the same thing of big savings if you switch to them. How do they all claim to save you money?

All the different companies can use profiling for the driver that earns them a profit. For example, a driver they prefer might be between 30 and 50, insures multiple vehicles, and drives less than 10,000 miles a year. A propective insured who matches those parameters will get the preferred rates and as a result will probably save a lot of money.

Potential insureds who are not a match for this ideal profile will be charged a higher premium and this can result in the driver buying from a lower-cost company. The ads state “people who switch” not “everyone that quotes” save money. That’s why insurance companies can confidently make those claims. That is why you absolutely need to quote coverage with many companies. It’s not possible to predict which company will fit your personal profile best.

Are you getting all your discounts?

Companies that sell car insurance don’t always publicize all available discounts in a way that’s easy to find, so we took the time to find some of the best known as well as the least known ways to save on auto insurance.

  • Multi-car Discount – Buying insurance for more than one vehicle on the same auto insurance policy could earn a price break for each car.
  • Accident Waiver – A few companies will forgive one accident before raising your premiums if you are claim-free for a particular time prior to the accident.
  • Auto/Life Discount – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
  • Sign Online – Some insurance companies may give you up to $50 simply for signing on their website.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • Student in College – Kids in college living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Defensive Driver – Successfully completing a defensive driving course could save 5% or more depending on where you live.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Saturn can earn discounted rates on garaged vehicles.
  • Senior Discount – If you’re over the age of 55, you may be able to get a small decrease in premiums for Outlook insurance.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce specific coverage prices like liability and collision coverage. Just because it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

Companies that possibly offer some of the above discounts are:

  • State Farm
  • GEICO
  • Liberty Mutual
  • The Hartford
  • MetLife
  • Progressive

It’s a good idea to ask each company how you can save money. Discounts may not apply everywhere.

When might I need an agent?

When it comes to buying the best insurance coverage, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions may help you determine whether or not you might need an agent’s assistance.

  • Is business equipment covered while in my vehicle?
  • I have a DUI can I still get coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • Are my friends covered when driving my 2008 Saturn Outlook?
  • Is my trailer covered?
  • What is medical payments coverage?
  • I don’t drive much so do I pay less?
  • Are rock chip repairs covered?
  • Is there coverage for injuries to my pets?
  • Does my insurance cover a custom paint job?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Insurance coverage specifics

Understanding the coverages of insurance can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages found on the average insurance policy.

Liability coverage – Liability insurance provides protection from injuries or damage you cause to people or other property in an accident. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability insurance covers claims such as medical expenses, pain and suffering and medical services. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured or underinsured coverage – This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Saturn Outlook.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense coverage – Coverage for medical payments and/or PIP reimburse you for immediate expenses for surgery, doctor visits, dental work, ambulance fees and pain medications. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive protection – This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hail damage, hitting a deer and falling objects. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage – This covers damage to your Outlook resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as colliding with a tree, rolling your car and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Shop. Compare. Save.

Low-cost 2008 Saturn Outlook insurance is attainable from both online companies in addition to many insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies do not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

As you restructure your insurance plan, it’s very important that you do not buy poor coverage just to save money. There are too many instances where consumers will sacrifice uninsured motorist or liability limits to discover at claim time that the small savings ended up costing them much more. Your aim should be to find the BEST coverage at the best price while still protecting your assets.

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