Save Money on Saturn Outlook Insurance in Buffalo

  1. Home
  2. >
  3. Buffalo Auto Insurance
  4. >
  5. Saturn Outlook

Insurance quote for Saturn Outlook in BuffaloThe recommended way to quote cheaper Saturn Outlook insurance in Buffalo is to make a habit of regularly comparing prices from providers who sell auto insurance in New York.

Step 1: Spend some time learning about how your policy works and the factors you can control to lower rates. Many factors that cause high rates like at-fault accidents and your credit history can be remedied by being financially responsible and driving safely. Read the full article for additional ideas to find cheap rates and find additional discounts you may qualify for.

Step 2: Compare prices from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive or State Farm, while independent agencies can quote rates from multiple companies. Start a quote

Step 3: Compare the new quotes to your current policy premium to see if you can save by switching companies. 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.

Step 4: Notify your agent or company to cancel your current car insurance policy and submit the signed application along with the required initial payment to your new agent or company. Be sure to keep your new proof of insurance paperwork in an easily accessible location.

One thing to point out is to use similar coverage information on each price quote and and to get price quotes from as many carriers as you can. This enables the most accurate price comparison and a complete price analysis.

We don't have to tell you that car insurance companies don't want you comparing rates. People who compare rates once a year will most likely buy a new policy because there is a significant possibility of finding better rates. A recent study showed that people who routinely shopped for cheaper coverage saved on average $72 a month compared to those who never compared other company's rates.

If finding discount rates on Saturn Outlook insurance in Buffalo is the reason you're here, learning how to shop and compare coverage rates can save money and time.

Our goal is to teach you a little about how car insurance quotes work and also save some money in the process If you have a current auto insurance policy, you will surely be able to cut your premiums using the techniques presented in this article. Drivers just need to use how to find the lowest price using one simple form.

All the larger car insurance companies allow you to get prices for coverage from their websites. The process is pretty easy as you simply type in your personal and coverage information into the quote form. When the form is submitted, the quote system obtains your driving and credit reports and gives you a price quote determined by many factors. This simplifies rate comparisons, and it's absolutely necessary to get many rate quotes in order to find affordable prices.

To compare pricing, compare rates now from the companies shown below. If you currently have coverage, we recommend you enter coverages and limits as close as possible to your current policy. Doing this assures you will get an apples-to-apples comparison for similar coverage.

The providers in the list below have been selected to offer free quotes in New York. If you want cheap car insurance in Buffalo, NY, we recommend you visit several of them to get the most competitive price.

Why you need insurance for your Saturn Outlook

Despite the high cost of buying insurance for a Saturn Outlook in Buffalo, insurance is required in New York but also provides important benefits.

  • Just about all states have mandatory insurance requirements which means you are required to buy a minimum amount of liability protection in order to drive the car. In New York these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If your vehicle has a loan, most lenders will make it a condition of the loan that you carry insurance to guarantee loan repayment. If you default on your policy, the lender may have to buy a policy to insure your Saturn at a much higher premium rate and require you to fork over a much higher amount than you were paying before.
  • Auto insurance preserves both your vehicle and your assets. It will also pay for hospital and medical expenses for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if anyone sues you for causing an accident. If your car is damaged in a storm or accident, your auto insurance policy will pay to repair the damage.

The benefits of insuring your car more than offset the price you pay, especially with large liability claims. Today the average American driver is wasting up to $865 each year so it's recommended you shop around once a year at a minimum to be sure current rates are still competitive.

Insurance analysis for a Saturn Outlook

The data table displayed next outlines estimates of prices for Saturn Outlook models. Learning a little about how premiums are determined can be of help when making decisions on the best policy coverages.

Saturn Outlook Insurance Rates in Buffalo, NY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlook XE 2WD $142 $216 $264 $16 $80 $718 $60
Outlook XV 2WD $142 $216 $264 $16 $80 $718 $60
Outlook XE Premium 2WD $158 $256 $264 $16 $80 $774 $65
Outlook XE AWD $158 $256 $264 $16 $80 $774 $65
Outlook XE Premium AWD $158 $256 $264 $16 $80 $774 $65
Outlook XR-L 2WD $158 $256 $264 $16 $80 $774 $65
Outlook XR-L AWD $158 $256 $264 $16 $80 $774 $65
Outlook XR-L Premium 2WD $158 $256 $264 $16 $80 $774 $65
Outlook XR-L Premium AWD $158 $256 $264 $16 $80 $774 $65
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Premium costs do not factor in vehicle garaging location which can alter premium rates significantly.

Deductible comparison

One of the more difficult decisions when buying insurance is where to set your physical damage deductibles. The following insurance rates show the rate difference between low and high deductibles. The first price estimate table uses a $250 deductible and the second price grid uses a $500 deductible.

Saturn Outlook insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlook XE 2WD $230 $344 $264 $16 $80 $959 $80
Outlook XV 2WD $230 $344 $264 $16 $80 $959 $80
Outlook XE Premium 2WD $258 $406 $264 $16 $80 $1,049 $87
Outlook XE AWD $258 $406 $264 $16 $80 $1,049 $87
Outlook XE Premium AWD $258 $406 $264 $16 $80 $1,049 $87
Outlook XR-L 2WD $258 $406 $264 $16 $80 $1,049 $87
Outlook XR-L AWD $258 $406 $264 $16 $80 $1,049 $87
Outlook XR-L Premium 2WD $258 $406 $264 $16 $80 $1,049 $87
Outlook XR-L Premium AWD $258 $406 $264 $16 $80 $1,049 $87
Get Your Own Custom Quote Go
Saturn Outlook insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlook XE 2WD $188 $278 $264 $16 $80 $826 $69
Outlook XV 2WD $188 $278 $264 $16 $80 $826 $69
Outlook XE Premium 2WD $210 $328 $264 $16 $80 $898 $75
Outlook XE AWD $210 $328 $264 $16 $80 $898 $75
Outlook XE Premium AWD $210 $328 $264 $16 $80 $898 $75
Outlook XR-L 2WD $210 $328 $264 $16 $80 $898 $75
Outlook XR-L AWD $210 $328 $264 $16 $80 $898 $75
Outlook XR-L Premium 2WD $210 $328 $264 $16 $80 $898 $75
Outlook XR-L Premium AWD $210 $328 $264 $16 $80 $898 $75
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Table data does not factor in garaging location in Buffalo which can lower or raise auto insurance rates considerably.

Based on this data, using a $250 deductible will cost you about $11 more each month or $132 a year across all Saturn Outlook models than requesting the higher $500 deductible. Since you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 23 months between claim filings, you would come out ahead if you choose a higher deductible. The numbers below show an example of how you can come to your own conclusion.

Average monthly premium for $250 deductibles: $85
Average monthly premium for $500 deductibles (subtract): - $74
Monthly savings from raising deductible: $11
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $11
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

One important note is that higher deductibles means you will have to pay more when you have a claim. You must have some funds available in the event you have to pay more to get your vehicle repaired.

The illustration below demonstrates how deductibles and can change Saturn Outlook yearly insurance costs for different insured age categories. The data assumes a single female driver, comp and collision included, and no discounts are factored in.

Rate comparison of males versus females in Buffalo

The diagram below shows the difference between Saturn Outlook car insurance costs for male and female drivers. The premiums assume no claims or driving citations, comp and collision included, $100 deductibles, single marital status, and no policy discounts are applied.

How much more does full coverage cost?

The diagram below illustrates the difference between Saturn Outlook insurance rates with full physical damage coverage and with liability coverage only. The premium estimates are based on no claims or driving citations, $100 deductibles, single marital status, and no additional discounts are factored in.

Should you pay for full coverage or liability only?

There is no clear-cut rule to delete physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than about 10% of the vehicle's replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let's say your Saturn Outlook replacement cost is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $3,000 after paying your deductible. If premium cost is more than $300 annually for full coverage, then you might want to consider buying only liability coverage.

There are some conditions where buying only liability insurance is not financially feasible. If you haven't satisfied your loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Do you qualify for discounts on Saturn Outlook insurance in Buffalo?

Car insurance is neither fun to buy or cheap, but there may be some discounts that may help make it more affordable. Some discounts will apply at quote time, but some need to be asked for before they will apply.Discount car insurance

  • Distant Student Discount - Older children who are enrolled in a college that is more than 100 miles from Buffalo and do not have a car may qualify for this discount.
  • Mature Driver Discount - Older drivers can get better car insurance rates.
  • Professional Organizations - Having an affiliation with a qualifying organization could trigger savings on your policy.
  • Drivers Ed for Students - Reduce the cost of insurance for teen drivers by having them participate in a local driver's education class if offered at their school.
  • Savings for New Vehicles - Buying coverage on a new vehicle can cost up to 25% less since new model year vehicles have better safety ratings.
  • Telematics Devices - People who choose to allow data collection to spy on where and when they drive by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm might see lower rates if they show good driving skills.
  • Claim Free - Good drivers with no accidents can save substantially when compared with accident-prone drivers.
  • Anti-theft Discount - Cars, trucks, and SUVs with anti-theft systems prevent vehicle theft and can earn a small discount on your policy.

One last thing about discounts, some of the credits will not apply to the whole policy. Most cut the price of certain insurance coverages like comp or med pay. Just because it seems like having all the discounts means you get insurance for free, it's just not the way it works. Any amount of discount will definitely reduce the amount you pay for coverage.

The example below shows the comparison of Saturn Outlook insurance costs with and without discounts applied to the policy premium. The price estimates are based on a male driver, no violations or claims, New York state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-policy, claim-free, marriage, and multi-car discounts applied.

A list of companies and their possible discounts are shown below.

  • State Farm may have discounts that include driver's education, defensive driving training, Steer Clear safe driver discount, safe vehicle, multiple autos, and accident-free.
  • GEICO offers premium reductions for good student, membership and employees, defensive driver, multi-policy, and anti-lock brakes.
  • Progressive policyholders can earn discounts including homeowner, multi-vehicle, multi-policy, online quote discount, continuous coverage, online signing, and good student.
  • 21st Century includes discounts for defensive driver, early bird, good student, homeowners, and automatic seat belts.
  • American Family may offer discounts for good driver, bundled insurance, good student, mySafetyValet, defensive driver, air bags, and Steer into Savings.
  • The Hartford may include discounts for good student, defensive driver, anti-theft, vehicle fuel type, bundle, and air bag.
  • AAA offers discounts for education and occupation, anti-theft, pay-in-full, good driver, and good student.

If you need low cost Buffalo car insurance quotes, ask each insurance company which discounts they offer. Savings might not apply in Buffalo.

How to find a good New York car insurance company

Choosing a highly-rated company can be a challenge considering how many different companies sell coverage in Buffalo. The ranking information shown next may help you decide which providers to look at when comparing rate quotes.

Top 10 Buffalo Car Insurance Companies Ranked by Customer Satisfaction

  1. The Hartford - 93%
  2. The General - 91%
  3. Progressive - 90%
  4. 21st Century - 89%
  5. Erie Insurance - 88%
  6. USAA - 87%
  7. State Farm - 87%
  8. Travelers - 87%
  9. Mercury Insurance - 87%
  10. Safeco Insurance - 86%

Top 10 Buffalo Car Insurance Companies Ranked by Claims Service

  1. Progressive
  2. USAA
  3. Liberty Mutual
  4. State Farm
  5. GEICO
  6. Nationwide
  7. Allstate
  8. The General
  9. The Hartford
  10. 21st Century