Compare Saturn Car Insurance Rates

Named after the rocket that took astronauts to the moon, General Motors created the Saturn car to compete against Japanese brands like Toyota, Honda, and Nissan. Unfortunately, the brand phased out in 2010.

Saturn still has a loyal fanbase, even though it hasn’t manufactured new cars in over a decade. Saturns are known for their reliability, and you can still find them on the road today.

As an older car brand, Saturn car insurance rates tend to be low. So if you’re worried about how to get car insurance for a brand that no longer operates, don’t worry. Most insurance companies will sell you at least enough coverage to meet your state’s minimum requirements.

Explore where to find the best Saturn car insurance rates below. Then compare as many companies as possible to find the right coverage for your Saturn.

How much does it cost to buy car insurance for a Saturn?

The typical Saturn driver pays less than the national average for full coverage car insurance. However, estimating how much you’ll pay for car insurance can be difficult since Saturns are no longer in production.

Insurance companies are often more cautious about used cars, especially if you aren’t the first owner. Knowing how much internal and cosmetic damage existed in or on your Saturn before you file a claim can be difficult. Companies also don’t want to pay for damage unrelated to the claim you’re filing, so buying collision or comprehensive insurance might take some searching.

Of course, finding coverage is much easier when you only want to meet your state’s minimum insurance requirements. If you choose a minimum insurance policy, your Saturn rates will be much lower.

What type of car insurance should you buy for a Saturn?

Companies offer two main types of insurance policies: minimum insurance and full coverage. Full coverage costs more, but it provides much better protection. In addition, it includes a suite of insurance types that pay for your car damages and medical bills for you and your passengers.

Minimum insurance is the least amount of coverage required in your state. It doesn’t protect your car but ensures you won’t have to pay thousands of dollars if you hit another driver.

Before you pick a policy for your Saturn, explore what the different types of insurance cover below:

• Liability: Liability insurance pays for damages and injuries you cause to other drivers and their property. It doesn’t cover your car or medical bills.
• Collision: If you want help paying for your car repairs after an at-fault accident, you need collision insurance. It also pays for repairs if you hit a stationary object, like a light post.
• Comprehensive: For all of life’s unexpected events, there’s comprehensive insurance. Comprehensive insurance covers car repairs after fires, floods, theft, vandalism, animal contact, and extreme weather.
• Uninsured/underinsured motorist: Although you’re supposed to carry insurance in most states, not everyone follows the law. Uninsured motorist insurance protects you from drivers with inadequate coverage.
• Medical payments/personal injury protection: Medical payments and personal injury protection pay for your health care costs after an accident. It also covers your passengers.

Although buying more coverage is never a bad idea, it might be best for a Saturn owner to skip high coverage amounts. Since the newest Saturn you can buy is more than 10 years old, the minimum insurance requirement in your state might be all you need. If you’re unsure how much insurance you should buy, an insurance representative can help.

What factors affect your Saturn car insurance?

While there are no new models to buy, the same factors affect Saturn car insurance rates as any other brand. When you purchase insurance for a Saturn, the following factors will determine your rates:

• Age: Young drivers lack a driving history to give insurance companies an idea of how risky they are to insure. Additionally, young people file more claims and cause more accidents, which leads to higher rates. The good news is that rates tend to lower when you turn 25.
• Gender: Another demographic insurance companies carefully track is gender. Men pay more for coverage than women because men are more likely to drive recklessly and get into accidents, but the price gap lessens with age.
• Location: Insurance companies know how many claims get filed in your ZIP code and base their rates on that. ZIP codes with more accidents or car thefts pay more for insurance.
• Marital status: Single, widowed, and divorced people file more claims than married drivers, so they pay a little more for insurance.
• Driving history: The more incidents on your record, the more you’ll pay for coverage. You might need high-risk insurance if you have too many incidents on your record.
• Credit score: Companies can use your credit score to determine your rates unless you live in California, Massachusetts, or Hawaii. Drivers with higher credit scores pay less for insurance.
• Your car: The car you drive significantly impacts your insurance rates. Your car’s age, title history, and model dramatically affect how much you’ll pay for insurance.

A final consideration for your insurance rates is how much coverage you need. Since Saturns are older cars, they often only need minimum insurance. The minimum insurance required by your state is your cheapest option for insurance. Opting for full coverage protects your Saturn better, but it can cause your rates to double or even triple.

Read more: Compare Saturn Car Insurance Rates

Tips to Save on Saturn Car Insurance

Saturn vehicle insurance is usually affordable since you can only buy older models. However, there are plenty of ways to find even lower rates. When you need cheap Saturn car insurance, consider the following:

• Lower your coverage. Since your Saturn is at least 10 years old, you might not need too much coverage. Choosing the least amount of insurance required in your state is a great way to keep prices low.
• Raise your deductible. Most companies offer a selection of deductible amounts. If you choose a higher deductible, your insurance rates will be lower.
• Keep your driving record clean. Avoiding driving infractions is integral to keeping your insurance rates low. If you get a citation, you should avoid additional violations as much as possible.
• Try telematics. Usage-based insurance programs offer safe drivers a chance to save on their insurance. Depending on the company, you can save up to 40%.
• Look for discounts. Discounts help drivers save, and it’s important to look at how many discounts a company offers before you sign up. Popular car insurance discounts include savings for maintaining a good GPA, bundling policies, and taking a driver’s education course.

While the tips listed above are excellent ways to save money on your car insurance, comparing car insurance quotes from different companies is the most crucial step. Some insurance companies offer better rates for your unique situation than others, and you’ll likely overpay if you choose the first policy you consider.

Find the Best Car Insurance for a Saturn Today

Though Saturn ended production in 2010, they still have a reputation for being reliable and safe cars. The average Saturn driver spends less than other brands for car insurance, but you’ll likely see much lower rates if you use a few money-saving tips.

The most important way to find low Saturn insurance rates is to compare quotes with multiple companies. If you skip this crucial step, you’ll likely overpay for your insurance.