Best Ways to Save on Philadelphia Saturn Outlook Insurance

Trying to find cheaper Saturn Outlook insurance in Philadelphia? Feel like you’re a prisoner to overpriced Saturn Outlook insurance in Philadelphia? Trust us when we tell you many Philadelphia consumers are in the same pinch.

It’s an obvious conclusion that auto insurance companies don’t want you to look for a cheaper policy. People who get comparison quotes at least once a year are likely to move their business because there is a good chance of finding coverage at a cheaper rate. A recent car insurance study discovered that consumers who made a habit of comparing rate quotes saved as much as $865 annually compared to policyholders who never shopped around for cheaper prices.

If finding the most affordable insurance in Philadelphia is your objective, learning how to find companies and compare coverage rates can save money and time. Popular companies such as Allstate, Liberty Mutual and State Farm all promote huge savings with ad campaigns and it is difficult to see past the geckos and flying pigs and effectively compare rates to find the best deal.

Best companies for cheap Saturn Outlook insurance in Pennsylvania

The following companies are ready to provide price comparisons in Pennsylvania. If multiple companies are shown, it’s highly recommended you get prices from several of them in order to find the most competitive rates.

Auto insurance data for a Saturn Outlook

The table displayed below highlights estimates of policy rates for Saturn Outlook models. Understanding how prices are figured is important to be able to make decisions on the best policy coverages.

Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Premium amounts do not factor in vehicle garaging location which can change premiums noticeably.

Where to set your deductibles

One of the most common auto insurance questions is at what level do you set your deductibles. The rates below outline the cost difference when you choose different physical damage coverage deductibles. The first rate table uses a $100 deductible for physical damage and the second rate table uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in garaging location in Philadelphia which can modify prices greatly.

Based on the figures above, using a $100 deductible costs about $38 more each month or $456 for a full year averaged for all Outlook models than selecting the higher $1,000 deductible. Because you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you average more than 24 months between claim filings, you would save more money if you choose the higher deductible.

The chart below illustrates how your choice of deductibles and can affect Saturn Outlook insurance costs for each age group. Data assumes a married male driver, full coverage, and no discounts are taken into consideration.

Age-based auto insurance rates by gender in Philadelphia

The illustration below shows the difference between Saturn Outlook auto insurance costs for male and female drivers. The rates are based on no claims or driving violations, comprehensive and collision coverage, $500 deductibles, drivers are single, and no discounts are applied.

Full coverage versus liability-only in Philadelphia

The diagram below compares Saturn Outlook yearly insurance costs when comparing full coverage to state minimum liability only. The premiums are based on no claims or driving citations, $1,000 deductibles, single marital status, and no discounts are applied to the premium.

Guidelines for dropping full coverage

There is no specific rule that works best for making the decision to drop physical damage coverage on your policy, but there is a broad guideline. If the annual cost of having full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.

For example, let’s say your Saturn Outlook book value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company would pay you is $5,000 after the policy deductible has been paid. If premiums are more than $500 a year to have full coverage, then you may want to consider only buying liability coverage.

There are some situations where dropping physical damage coverage is not recommended. If you still owe a portion of the original loan, you have to maintain full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should keep full coverage.

You may qualify for discounts for Saturn Outlook insurance in Philadelphia

Companies don’t always list all available discounts very well, so we took the time to find some of the more common and also the lesser-known credits available to bring down your rates.

• Pay Early and Save – If you pay your entire premium ahead of time instead of paying each month you can avoid monthly service charges.
• Responsible Drivers – Drivers who avoid accidents may receive a discount up to 45% than drivers with accident claims.
• Data Collection Discounts – People who choose to allow data collection to look at driving patterns by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if they exhibit good driving behavior.
• New Vehicle Savings – Buying insurance coverage on a new vehicle can cost up to 25% less since newer vehicles have better safety ratings.
• Good Grades Discount – Maintaining excellent grades may save you up to 25%. Earning this discount can benefit you until age 25.
• Sign Online – A few insurance companies may give you up to $50 simply for signing on the web.
• Senior Citizen Discount – Seniors could receive a small decrease in premiums.
• Multiple Vehicles – Having primary and secondary vehicles on a single policy can reduce rates for all insured vehicles.

One thing to note about discounts is that most discount credits are not given to the overall cost of the policy. Most cut the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like adding up those discounts means a free policy, it doesn’t quite work that way.

The illustration below shows the difference between Saturn Outlook car insurance costs with and without discounts applied to the policy premium. The prices are based on a male driver, no tickets, no at-fault accidents, Pennsylvania state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-policy, safe-driver, multi-car, and claim-free discounts applied.

Car insurance companies who might offer these money-saving discounts include:

• Progressive
• MetLife
• Mercury Insurance
• Nationwide
• GEICO
• AAA

If you want low cost Philadelphia car insurance quotes, ask each insurance company which discounts you may be entitled to. All car insurance discounts may not apply to policyholders in your state. To see a list of providers that have a full spectrum of discounts in Philadelphia, follow this link.

There’s no such thing as the perfect car insurance policy

Always keep in mind that when comparing your policy for your personal vehicles, there is no perfect coverage plan. Everyone’s needs are different.

These are some specific questions can help discover if your situation could use an agent’s help.

• How much coverage applies to personal belongings?
• Do I need to file an SR-22 for a DUI in Pennsylvania?
• Who sells insurance for high-risk drivers?
• What if I total my Saturn Outlook and owe more than it’s worth?
• What are the financial responsibility laws in my state?
• Am I insured when driving a different vehicle?
• Am I covered when driving in Canada or Mexico?
• How do I insure my teen driver?
• Should I have a commercial auto policy?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.

Shop online but buy locally

Many drivers would rather go talk to an agent. Good agents can help you choose the best coverages and will help you if you have claims. The best thing about comparing rate quotes online is the fact that drivers can get the lowest rates and still have a local agent. And providing support for local insurance agencies is still important in Philadelphia.

By using this simple form, your insurance data is instantly submitted to participating agents in Philadelphia who will gladly provide quotes to get your business. You never need to contact an agency as quotes are delivered straight to your inbox. If for some reason you want to get a price quote from one company in particular, don’t hesitate to jump over to their website to submit a rate quote request.

If you are wanting to purchase insurance from an insurance agent, there are two different agency structures and how they can write your policy. Insurance policy providers are considered either exclusive or independent agents depending on their company appointments. Both types can do a good job, but it’s worth mentioning the differences because it can influence the selection process.

Independent Agencies or Brokers

These type of agents can sell policies from many different companies so as a result can place your coverage through many companies and get the cheapest rates. If they find a cheaper price, they simply move your policy to a different company which makes it simple for you.

If you need lower rates, we recommend you compare prices from independent agents to maximize your price options.

Below are Philadelphia independent agencies that may be able to give free price quotes.

More insurance agents

Exclusive Insurance Agencies

Agents that choose to be exclusive write business for a single company like State Farm, AAA, Farmers Insurance or Allstate. Exclusive agencies are unable to provide prices from multiple companies so they really need to provide good service. Exclusive insurance agents are usually quite knowledgeable on the products they sell which helps them compete with independent agents.

Listed below is a list of exclusive insurance agencies in Philadelphia willing to provide price quote information.

More insurance agents

Selecting an auto insurance agent should depend on more than just a cheap price. Here are some questions you might want to ask.

• What is the financial rating for the quoted company?
• Do the agents have professional certifications like CPCU or CIC?
• Is their price quote a firm figure or are their hidden costs?
• Can you contact them at any time?
• Does the agency support the community they serve?
• Will the agent or a CSR service your policy?
• Is the quote a firm price?
• Do they assist clients in filing claims?

Keep this in mind when shopping around

As you quote Philadelphia car insurance, it’s very important that you do not reduce needed coverages to save money. In too many instances, someone dropped liability coverage limits and learned later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy a smart amount of coverage at the best possible price, but do not skimp to save money.

People change insurance companies for any number of reasons including unfair underwriting practices, delays in paying claims, policy non-renewal and even lack of trust in their agent. Regardless of your reason for switching companies, finding a great new company can be less work than you think.

We covered quite a bit of information on how to reduce Saturn Outlook insurance rates online in Philadelphia. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Drivers may even discover the best rates are with a lesser-known regional company.

To learn more, take a look at the following helpful articles:

• Older Drivers FAQ (iihs.org)
• What Auto Insurance is Cheapest for a Toyota Corolla in Philadelphia? (FAQ)
• Who Has the Cheapest Philadelphia Car Insurance for Electric Cars? (FAQ)
• How Much is Philadelphia Car Insurance for Drivers with Accidents? (FAQ)
• Who Has the Cheapest Philadelphia Auto Insurance Quotes for a Ford Edge? (FAQ)
• Who Has Affordable Auto Insurance for 18 Year Olds in Philadelphia? (FAQ)
• Who Has Cheap Auto Insurance Quotes for a Hyundai Elantra in Philadelphia? (FAQ)
• Preventing Carjacking and Theft (Insurance Information Institute)
• How to Avoid Common Accidents (State Farm)
• Side Impact Crash Tests (iihs.org)
• Choosing a Car for Your Teen (State Farm)