Car Insurance for a Saturn

Getting Saturn car insurance may cost a little more because parts are becoming a little scarce. Expect to pay an average of $117 per month for insurance.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State...

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Reviewed byJoel Ohman
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UPDATED: May 26, 2020

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Here's what you need to know...

  • Saturn did not produce more than cosmetic updates and the brand became outdated
  • Repairs on a Saturn may cost you a bit more because it’s likely that most of the materials are becoming a little scarce
  • If you still owe money on your Saturn after an accident, the deductible can be negotiated
  • The only recommended, reliable Saturn model would be the Aura, according to Consumer Reports
  • Expect to pay an average of $117 per month for insurance for a Saturn

If you already own a Saturn, are you doomed to years of no parts or service? Saturn, as we’re all aware, stopped manufacturing vehicles in 2009 when General Motors failed to sell the brand to Penske Automotive Group.

The crisis in the automobile market caused General Motors to teeter on the edge of bankruptcy only to be pulled from this brink by loans brokered through the U.S. Government.

Upon the inception of the Saturn brand in 1985, hopes were high that Saturn, with its “no haggle” approach to automobile sales and innovative approach to design, would be a viable brand and an answer to foreign cars in the American automobile market.

Saturn did not produce more than cosmetic updates and the brand became outdated.

Sales of Saturn dropped by the time it was discontinued at the end of January in 2010.

Consumer Reports, a leading consumer rating website, recommended only the Aura for reliability out of all these models.

Since auto insurance is necessary, make sure to compare quotes using the FREE search tool at the top of this page.

Can I find parts and repairs for my Saturn?

Since the Saturn was owned and produced by General Motors, most of their parts and repairs are available from GM dealers and repair shops.

Repairs may cost you a bit more because it’s likely that most of the materials are becoming a little scarce, the farther we get from the shut-down of Saturn.

Probably purchasing a Saturn would be contra-indicated considering that time is eroding the availability of parts.

The Aura XE Sedan is regarded as a reasonable family sedan. It shares characteristics with the Pontiac G6 and the Chevrolet Malibu.

Because of the common platform, parts may be available through GM from the Chevrolet models.

The Aura XE Sedan is considered agile with good acceleration and braking. Room in the cabin is acceptable, but the slanting roof impairs visibility.

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Insuring Your Saturn

Costs of insurance for the Saturn are reasonable even though the brand is no longer made. The advantage of being a former GM brand is evident.

As with all insurance, you should shop carefully. Comparison-shopping pays because rates vary in the same states.

Insurance companies base their rates on statistics that reflect that particular insurance company’s experience with people in your statistical group as well as cars in the statistical group.

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Suggested Limits of Liability

Every state has different requirements for limits of liability to fulfill their financial responsibility laws. They require individuals to purchase liability insurance to license vehicles and receive drivers’ licenses.

Be cautious when looking at your insurance quote to make certain that medical payments and uninsured motorists coverage are included.

Some insurance companies assume that the coverage is not desired if you fail to mark the coverage on the application. This assumption is because you can decline this coverage, but you shouldn’t.

They cost very little in premiums and provide a great deal of vital protection.

The Following Limits of Liability are Recommended

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Property Damage to Your Saturn

Property damage coverage pays for damage to your own car if an accident occurs whether it is your fault or not. This coverage protects you and your lender from financial loss if your car is damaged.

There are two types of coverage for this type of property damage:

  • Comprehensive Insurance – pays for glass damage, vandalism, theft, and animal damage to your own car less the deductible you choose.
  • Collision Insurance – pays for collision damage to your vehicle less the deductible

Deductibles range from $500 per occurrence on up.

If you still owe money on your Saturn, the deductible can be negotiated between you and the company who lent you the money to pay for the car.

Higher deductibles can reduce your insurance premiums, but these are financial decisions you must make.

Once the automobile is paid for, you may wish to cease the physical damage coverage. Carefully consider the economic value of this action and its consequence to your budget.

Information You’ll Need to Get an Insurance Quote

A large part of the premiums for car insurance is based upon the people who drive your car and the way they drive.

Before you ask for a quote for automobile insurance, have the following information available:

  • Names, dates of birth, license numbers, and driving records for all drivers
  • Year, make, and model of your cars
  • Commuting distance and use of all cars

Be sure to always compare rates before committing. Enter your ZIP code into the FREE car insurance comparison tool below.

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