Cheap Saturn Outlook Insurance in Tampa

Unfortunately, most car insurance customers kept buying from the same company for four years or more, and approximately 40% of consumers have never even shopped around for affordable coverage. Consumers in Florida could save about 55% every year just by getting comparison quotes, but they don’t know the big savings they would realize if they bought a different policy.

The recommended way to find affordable quotes for auto insurance rates is to start doing an annual price comparison from insurers that insure vehicles in Tampa.

First, take a little time to learn about how insurance works and the modifications you can make to lower rates. Many things that are responsible for high rates like accidents, traffic violations, and poor credit history can be amended by being financially responsible and driving safely. This article provides more details to help reduce premium rates and find additional discounts.

Second, request rate estimates from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like Progressive or Allstate, while independent agents can provide prices from multiple companies.

Third, compare the new rate quotes to your current policy and see if there is a cheaper rate in Tampa. If you find better rates and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

Fourth, tell your current company to cancel your current policy. Submit the completed application along with a down payment to the new company. As soon as you can, keep your new certificate verifying proof of insurance in an easily accessible location in your vehicle.

A tip to remember is to make sure you’re comparing the same level of coverage on each quote and and to look at as many companies as possible. This enables a level playing field and a complete price analysis.

Lower your insurance rates with discounts

Some companies do not advertise every policy discount very well, so the following is a list of a few of the more well known and the more hidden credits available to you.

• Telematics Devices – Insureds who allow driving data submission to study driving habits by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates as long as the data is positive.
• Senior Citizens – Drivers that qualify as senior citizens may be able to get lower premium rates.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discounted premium rate on car insurance if you buy some life insurance too.
• Bundled Policy Discount – If you can combine your auto and homeowners policy with the same insurance company they may give you a discount of over 10 percent off each policy depending on the company.
• Multi-car Discount – Having several vehicles on the same insurance policy qualifies for this discount.
• Driver Education Discount – It’s a good idea to have your young drivers participate in a local driver’s education class as it can save substantially.
• Student in College – Kids who attend college more than 100 miles from Tampa and do not take a car to college could get you a discount.

Discounts save money, but please remember that many deductions do not apply to the whole policy. The majority will only reduce individual premiums such as comp or med pay. Just because it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

The information below illustrates the comparison of Saturn Outlook insurance costs with and without policy discounts. The costs are based on a female driver, no claims, a clean driving record, Florida state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, safe-driver, homeowner, multi-policy, and marriage discounts applied.

Some of the larger companies that have most of these discounts include:

• Progressive
• AAA
• Farmers Insurance
• GEICO
• Esurance
• SAFECO
• State Farm

If you need lower rates, check with all companies you are considering how you can save money. Discounts might not be offered everywhere. To find providers with significant discounts in Tampa, click here.

The majority of larger companies like Allstate and Progressive allow consumers to get pricing from their websites. This process is quite easy because you just enter the amount of coverage you want as detailed in the form. Once you submit the form, their quoting system obtains credit information and your driving record and quotes a price determined by many factors. Getting online rates for Saturn Outlook insurance in Tampa makes comparing rates easy, and it’s very important to compare as many rates as possible if you want to find the most affordable premium.

In order to find out what other companies charge, consider comparing rates from the companies shown below. If you have your current policy handy, we recommend you input the insurance coverages exactly as they are listed on your policy. Using the same limits helps guarantee you will be getting a price comparison based on similar coverages.

The companies shown below are our best choices to provide price comparisons in Tampa, FL. If you want cheap auto insurance in Florida, we suggest you compare several of them in order to find the most affordable rates.

Saturn Outlook coverage statistics

The information shown below covers different coverage prices for Saturn Outlook models. Understanding how premiums are figured can be of help when making informed decisions when comparing rate quotes.

Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Premium costs do not factor in specific zip code location which can lower or raise prices substantially.

Policy deductibles

One of the more difficult decisions when buying car insurance is the level to set your comp and collision deductibles. The following insurance rates outline the differences in premium rates when you buy lower versus higher physical damage deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second pricing table uses a $1,000 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Price information does not factor in vehicle location which can revise insurance rates significantly.

We can estimate from the data above that using a $250 deductible will cost in the ballpark of $34 more each month or $408 every year than opting for the higher $1,000 deductible. Because you would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have more than 22 months between claims, you would most likely save money going with the higher deductible.

Reckless driving habits raise car insurance rates

The example below illustrates how violations and at-fault fender-benders can drive up Saturn Outlook insurance costs for different insured age categories. The data is based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.

Difference between liability only and full coverage rates

The diagram below visualizes the comparison of Saturn Outlook insurance rates with and without physical damage coverage. The data assumes no accidents or driving violations, $100 deductibles, single status, and no discounts are applied.

When to drop full coverage

There is no exact formula for excluding physical damage insurance, but there is a guideline you can consider. If the yearly cost of full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

For example, let’s assume your Saturn Outlook claim settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $4,000 after paying your policy deductible. If it’s costing in excess of $400 annually to have full coverage, then you might want to consider buying only liability coverage.

There are a few situations where dropping full coverage is not advised. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage.

How You Can Control Saturn Outlook Insurance Prices

Many different elements are taken into consideration when you get a price on insurance. Most are fairly basic like an MVR report, but others are not quite as obvious like where you live or your commute time. The best way to find cheaper car insurance is to take a look at some of the elements that play a part in calculating your car insurance rates. If you have a feel for what determines base rates, this empowers consumers to make smart changes that may reward you with lower car insurance prices.

The items below are a partial list of the pieces companies use to determine your rate level.

• Fast cars cost more to insure – The performance level of the car, truck or SUV you need insurance for makes a significant difference in the rate you pay. The lowest base rates are generally reserved for low performance passenger cars, but the final cost of insurance is determined by many other factors.

  The following data uses these assumptions: married female driver age 50, full coverage with $500 deductibles, and no discounts or violations. The chart compares Saturn Outlook insurance premiums compared to other makes and models that have different performance rating factors.

• Insurance companies don’t like frequent policy claims – Insurance companies in Florida provide the best rates to drivers who do not file claims often. If you file claims often, you can definitely plan on higher premiums or even policy non-renewal. Auto insurance is intended to be relied upon for claims that you cannot pay yourself.
• Lower rates for married couples – Having a spouse may cut your premiums on your car insurance policy. Marriage is viewed as being more financially stable and it’s proven that married drivers tend to file fewer claims.
• Reduce rates by driving safer cars – Cars with five star safety ratings tend to have better insurance rates. Safe vehicles protect occupants better and lower rates of occupant injuries means less claims paid passed on to you as lower rates. If the Saturn Outlook has at least four stars on Safercar.gov you may qualify for a discount.

• Are you male or female? – Over the last 50 years, statistics have shown that females tend to be a little less risky than males. Now that doesn’t mean women are BETTER drivers than men. They both get in auto accidents at a similar rate, but males get into accidents with more damage. Men also tend to have more aggressive citations like driving under the influence (DUI).

  The information below shows the comparison of Saturn Outlook car insurance costs for male and female drivers. The rate quotes are based on a clean driving record, no claims, comprehensive and collision coverage, $1,000 deductibles, single status, and no additional discounts are factored in.

• Add-on coverages can cost a lot – Policies have additional extra coverages that can waste your money on your Outlook policy. Insurance for things like roadside assistance, high-cost glass coverage, and motor club memberships may be wasting your money. You may think they are a good idea when you first buy your policy, but if you’ve never needed them in the past eliminate them to save money.
• Higher rates for specific jobs – Did you know your occupation can influence how much you pay for car insurance? Occupations such as military personnel, social workers, and accountants generally have higher premiums than the average policyholder attributed to high stress and lots of time spent away from family. Conversely, occupations such as scientists, athletes and homemakers get better rates.

Shop online but buy locally

A lot of people would prefer to sit down with an agent and that is a smart decision A nice benefit of getting free rate quotes online is that drivers can save money and get cheap auto insurance quotes but still work with a licensed agent.

For easy comparison, once you complete this quick form, the coverage information is instantly submitted to companies in Tampa who will give competitive quotes for your business. You never need to contact any agents because prices are sent to you directly. You can find lower rates AND an agent nearby. If you want to get a rate quote from a specific auto insurance provider, you can always visit that company’s website and give them your coverage information.

Finding the right provider requires you to look at more than just a cheap price quote. Here are some questions you might want to ask.

• If your car is totaled, how to they determine the replacement cost?
• Do they get extra compensation for selling add-on coverages?
• Is auto insurance their primary focus in Tampa?
• Do they assist clients in filing claims?
• Is the agency covered by Errors and Omissions coverage?

When narrowing the list to find a reliable agent, you need to know there are two different agency structures from which to choose. Auto insurance agents in Tampa are either independent or exclusive depending on the company they work for.

Exclusive Auto Insurance Agents

Agents of this type work for only one company and some examples include State Farm, Allstate, or Farmers Insurance. They generally cannot provide other company’s prices so they are skilled at selling on more than just price. Exclusive agents are well trained on what they offer which helps them sell insurance even at higher premiums.

Shown below is a short list of exclusive agencies in Tampa that are able to give price quote information.

More Tampa agents

Independent Agents (or Brokers)

Agents that choose to be independent do not have single company limitations and that enables them to quote your coverage with lots of companies and find the cheapest auto insurance rates. To transfer your coverage to a different company, your agent can just switch to a different company and you stay with the same agent.

If you are comparing rate quotes, it’s recommended you get some free quotes from at a minimum one independent agency to have the best price comparison.

Shown below is a short list of independent agents in Tampa who can help you get price quotes.

More Tampa agents

After talking to the agent and getting positive feedback to your questions and locked in a price quote, you may have just found an auto insurance agent that will properly insure your vehicles.

Choosing the best Saturn vehicle insurance in Florida is an important decision

Despite the potentially high cost of Saturn Outlook insurance, maintaining insurance may be required for several reasons.

• The majority of states have minimum liability requirements which means the state requires a specific level of liability protection in order to get the vehicle licensed. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you took out a loan on your Saturn Outlook, most lenders will require that you have physical damage coverage to ensure loan repayment if the vehicle is totaled. If you let the policy lapse, the lender may insure your Saturn at a much higher premium rate and force you to pay the higher premium.
• Insurance protects not only your Saturn but also your financial assets. Insurance will also pay for many types of medical costs that are the result of an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if you are sued as the result of an accident. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of buying car insurance greatly outweigh the cost, particularly for liability claims. The average driver in Florida is overpaying over $700 annually so shop around at every policy renewal to ensure rates are competitive.

Shop smart and save

As you go through the steps to switch your coverage, don’t be tempted to skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The goal is to get the best coverage possible at a price you can afford but still have enough coverage for asset protection.

We just presented many tips how you can find affordable Saturn Outlook insurance in Tampa. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. You may even find the lowest prices are with the least-expected company. These companies can often insure niche markets at a lower cost compared to the large companies like Allstate or State Farm.

To read more, feel free to browse the following helpful articles:

• Understanding Limits and Deductibles (Allstate)
• What Car Insurance is Cheapest for Drivers with Accidents in Tampa? (FAQ)
• Who Has Cheap Auto Insurance Rates After a Speeding Ticket in Tampa? (FAQ)
• What Car Insurance is Cheapest for Good Drivers in Tampa? (FAQ)
• Who Has Affordable Auto Insurance Quotes for Uninsured Drivers in Tampa? (FAQ)
• Where can I buy Insurance? (Insurance Information Institute)
• Vehicle Safety Ratings (iihs.org)
• Property Damage Coverage (Liberty Mutual)