Saturn Outlook Insurance Quotes in Plano

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Insurance rates Saturn Outlook in PlanoFinding the cheapest insurance for a Saturn Outlook in Texas can be difficult, but you can use the following methods to find lower rates. There is a better way to buy auto insurance and we'll show you the absolute fastest way to price shop coverage on a Saturn and obtain the lowest price from Plano insurance agents and online providers.

The companies in the list below have been selected to offer free quotes in Plano, TX. To find the best auto insurance in Plano, it's highly recommended you visit several of them in order to get a fair rate comparison.

Data for Saturn Outlook insurance

The price information displayed next showcases different insurance policy prices for Saturn Outlook models. Having a better idea how policy rates are calculated is important for you to make decisions when shopping around.

Saturn Outlook Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlook XE 2WD $160 $266 $366 $22 $110 $924 $77
Outlook XV 2WD $160 $266 $366 $22 $110 $924 $77
Outlook XE Premium 2WD $178 $312 $366 $22 $110 $988 $82
Outlook XE AWD $178 $312 $366 $22 $110 $988 $82
Outlook XE Premium AWD $178 $312 $366 $22 $110 $988 $82
Outlook XR-L 2WD $178 $312 $366 $22 $110 $988 $82
Outlook XR-L AWD $178 $312 $366 $22 $110 $988 $82
Outlook XR-L Premium 2WD $178 $312 $366 $22 $110 $988 $82
Outlook XR-L Premium AWD $178 $312 $366 $22 $110 $988 $82
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Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Price estimates do not factor in specific zip code location which can change premium rates considerably.

Can higher deductibles save money?

The hardest decision when buying coverage is how high should your deductibles be. The tables below may aid in understanding the price difference when you buy lower versus higher deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second data table uses a $1,000 deductible.

Saturn Outlook insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlook XE 2WD $370 $592 $382 $22 $114 $1,505 $125
Outlook XV 2WD $370 $592 $382 $22 $114 $1,505 $125
Outlook XE Premium 2WD $412 $698 $382 $22 $114 $1,653 $138
Outlook XE AWD $412 $698 $382 $22 $114 $1,653 $138
Outlook XE Premium AWD $412 $698 $382 $22 $114 $1,653 $138
Outlook XR-L 2WD $412 $698 $382 $22 $114 $1,653 $138
Outlook XR-L AWD $412 $698 $382 $22 $114 $1,653 $138
Outlook XR-L Premium 2WD $412 $698 $382 $22 $114 $1,653 $138
Outlook XR-L Premium AWD $412 $698 $382 $22 $114 $1,653 $138
Get Your Own Custom Quote Go
Saturn Outlook insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlook XE 2WD $206 $312 $382 $22 $114 $1,036 $86
Outlook XV 2WD $206 $312 $382 $22 $114 $1,036 $86
Outlook XE Premium 2WD $228 $368 $382 $22 $114 $1,114 $93
Outlook XE AWD $228 $368 $382 $22 $114 $1,114 $93
Outlook XE Premium AWD $228 $368 $382 $22 $114 $1,114 $93
Outlook XR-L 2WD $228 $368 $382 $22 $114 $1,114 $93
Outlook XR-L AWD $228 $368 $382 $22 $114 $1,114 $93
Outlook XR-L Premium 2WD $228 $368 $382 $22 $114 $1,114 $93
Outlook XR-L Premium AWD $228 $368 $382 $22 $114 $1,114 $93
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rate quotes do not factor in vehicle garaging location which can alter auto insurance rates greatly.

Using the data above, we can ascertain that using a $100 deductible costs roughly $44 more each month or $528 every year averaged for all Outlook models than requesting the higher $1,000 deductible. Because you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at a minimum 20 months between claims, you would save money by selecting a higher deductible.

The chart below demonstrates how deductible levels and can change Saturn Outlook annual premium costs for different age groups. The premiums are based on a single male driver, full physical damage coverage, and no policy discounts are applied.

Do you need full coverage?

The example below illustrates the difference between Saturn Outlook insurance prices with full coverage and liability only. The data assumes no claims or violations, $500 deductibles, single marital status, and no additional discounts are factored in.

When to drop comprehensive and collision

There isn't a written rule for eliminating comp and collision coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

For example, let's pretend your Saturn Outlook settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $2,000 after the deductible is paid. If you are paying in excess of $200 annually for physical damage coverage, then it may be the right time to buy liability only.

There are some circumstances where buying only liability insurance is not in your best interest. If you still owe a portion of the original loan, you have to keep full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage.

Saturn Outlook Insurance Costs Can Be Reduced

An important part of buying insurance is that you know the rating factors that are used to determine car insurance rates. If you know what controls the rates you pay, this helps enable you to make changes that may reward you with lower car insurance prices. Multiple criteria are used in the calculation when you get a price on insurance. Some factors are common sense such as your driving history, but others are less apparent like your continuous coverage or your commute time.

Insure car and home with the same company - Most larger companies provide better rates to policyholders that buy multiple policies in the form of a multi-policy discount. Even if you're getting this discount you may still want to shop around to confirm you are receiving the best rates possible.There is a chance you can save even more by insuring with multiple companies.

Save money by eliminating extra policy coverages - There are quite a few add-on coverages that may not really be needed if you don't pay attention. Insurance for things like rental car coverage, high-cost glass coverage, and Farm Bureau memberships are probably not needed. You may think they are a good idea when talking to your agent, but your needs may have changed so eliminate them to save money.

Single vs. married - Getting married may cut your premiums on your car insurance bill. Having a spouse translates into being more responsible and statistics show married drivers tend to file fewer claims.

Credit history impact car insurance rates - Having a bad credit score is a large factor in determining your rates. If your credit rating leaves room for improvement, you may save money insuring your Saturn Outlook by improving your rating. Drivers with very good credit scores tend to be better risks to insure than those with poor credit.

Insurance companies don't like frequent policy claims - Auto insurance companies in Texas give the best rates to policyholders who do not file claims often. If you file a lot of claims you can definitely plan on either higher rates or even cancellation. Your insurance policy is designed for the bigger claims that can't be paid out-of-pocket.

Gender and auto insurance - Over the last 30 years, statistics show that men are more aggressive behind the wheel. The data does not necessarily mean that females are better drivers. Both genders get in fender benders at a similar rate, but males cause more damage and cost insurance companies more money. Men also receive more major tickets like DWI (DUI) or reckless driving. Youthful male drivers have the highest risk to insure and therefore are the most expensive to insure.

The diagram below illustrates the difference between Saturn Outlook car insurance costs for male and female drivers. Data assumes no accidents or driving violations, full physical damage coverage, $100 deductibles, drivers are single, and no additional discounts are factored in.

Occupation can influence premiums - Jobs like real estate brokers, air traffic controllers, and dentists generally have higher premium rates in part from high stress levels and incredibly demanding work hours. On the flip side, occupations like scientists, historians and the unemployed have lower than average premiums.

Mature drivers save more - Older, more experienced drivers are shown to be more cautious, statistically cause fewer accidents, and are generally more financially stable. Inexperience drivers are known to be more careless behind the wheel and because of this, their car insurance rates are much higher.

The following data uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.

Choosing the best vehicle insurance in Texas is an important decision

Even though Plano Outlook insurance rates can get expensive, maintaining insurance may be mandatory for several reasons.

  • The majority of states have minimum mandated liability insurance limits which means you are required to buy a specific minimum amount of liability insurance coverage in order to get the vehicle licensed. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If your Saturn Outlook has a lienholder, more than likely the lender will make it mandatory that you have comprehensive coverage to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Saturn at a much higher premium rate and require you to fork over the higher price.
  • Auto insurance preserves both your Saturn Outlook and your assets. Insurance will pay for many types of medical costs for you, any passengers, and anyone injured in an accident. Liability coverage will also pay for a defense attorney if you are sued as the result of your driving. If your Saturn gets damaged, your auto insurance policy will pay to restore your vehicle to like-new condition.

The benefits of having auto insurance more than cancel out the cost, especially for larger claims. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $850 per year so it's very important to do a rate comparison every year to be sure current rates are still competitive.