Auto Insurance Rate Quotes for a Saturn Outlook in New Orleans

Statistics show that 70% of consumers have purchased from the same company for at least the last four years, and approximately 38% of consumers have never quoted car insurance rates at all. Consumers in Louisiana could save about 35% each year just by comparing rates, but they think it’s difficult to compare rates.

Insurance quote for Saturn Outlook in New OrleansIf you want to save money, the best way to get low-cost car insurance rates is to do an annual price comparison from companies who sell insurance in New Orleans.

One key aspect when comparing rates is to try to use the same deductibles and limits on every price quote and and to compare as many companies as feasibly possible. This guarantees an accurate price comparison and a complete price analysis.

If you are already insured or are looking for a new policy, you can use these tips to reduce premiums and still have adequate protection. Comparison shopping for affordable car insurance coverage in New Orleans is not as difficult as people think. You only have to learn the proper methods to compare rate quotes from multiple carriers.

Low Cost Saturn insurance price quotes in New Orleans

The companies in the list below have been selected to offer price quotes in Louisiana. To get the cheapest car insurance in New Orleans, LA, we suggest you get price quotes from several of them to find the most competitive car insurance rates.

Saturn Outlook insurance rates and statistics

The data table below showcases different insurance prices for Saturn Outlook models. Having a good understanding how car insurance prices are determined helps drivers make smart choices when selecting a policy.

Saturn Outlook Insurance Rates in New Orleans, LA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlook XE 2WD $450 $744 $628 $38 $188 $2,048 $171
Outlook XV 2WD $450 $744 $628 $38 $188 $2,048 $171
Outlook XE Premium 2WD $500 $876 $628 $38 $188 $2,230 $186
Outlook XE AWD $500 $876 $628 $38 $188 $2,230 $186
Outlook XE Premium AWD $500 $876 $628 $38 $188 $2,230 $186
Outlook XR-L 2WD $500 $876 $628 $38 $188 $2,230 $186
Outlook XR-L AWD $500 $876 $628 $38 $188 $2,230 $186
Outlook XR-L Premium 2WD $500 $876 $628 $38 $188 $2,230 $186
Outlook XR-L Premium AWD $500 $876 $628 $38 $188 $2,230 $186
Get Your Own Custom Quote Go

Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Louisiana minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Price information does not factor in New Orleans location which can decrease or increase rates greatly.

Rate comparison for different deductibles

When comparing auto insurance rates, the most common question is how high should the deductibles for physical damage be. The following tables show the difference in cost between high and low physical damage coverage deductibles. The first rate comparisons uses a $100 deductible for physical damage and the second set of rates uses a $1,000 deductible.

Saturn Outlook insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlook XE 2WD $452 $722 $464 $28 $140 $1,831 $153
Outlook XV 2WD $452 $722 $464 $28 $140 $1,831 $153
Outlook XE Premium 2WD $502 $850 $464 $28 $140 $2,009 $167
Outlook XE AWD $502 $850 $464 $28 $140 $2,009 $167
Outlook XE Premium AWD $502 $850 $464 $28 $140 $2,009 $167
Outlook XR-L 2WD $502 $850 $464 $28 $140 $2,009 $167
Outlook XR-L AWD $502 $850 $464 $28 $140 $2,009 $167
Outlook XR-L Premium 2WD $502 $850 $464 $28 $140 $2,009 $167
Outlook XR-L Premium AWD $502 $850 $464 $28 $140 $2,009 $167
Get Your Own Custom Quote Go

Saturn Outlook insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlook XE 2WD $250 $380 $464 $28 $140 $1,262 $105
Outlook XV 2WD $250 $380 $464 $28 $140 $1,262 $105
Outlook XE Premium 2WD $278 $448 $464 $28 $140 $1,358 $113
Outlook XE AWD $278 $448 $464 $28 $140 $1,358 $113
Outlook XE Premium AWD $278 $448 $464 $28 $140 $1,358 $113
Outlook XR-L 2WD $278 $448 $464 $28 $140 $1,358 $113
Outlook XR-L AWD $278 $448 $464 $28 $140 $1,358 $113
Outlook XR-L Premium 2WD $278 $448 $464 $28 $140 $1,358 $113
Outlook XR-L Premium AWD $278 $448 $464 $28 $140 $1,358 $113
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Table data does not factor in specific location information which can lower or raise insurance rates substantially.

We can estimate from the data above that using a $100 deductible costs about $53 more each month or $636 annually than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you average at least 17 months between claim filings, you would probably save some money if you elect the higher deductible.

How to determine if higher deductibles are a good idea

Average monthly premium for $100 deductibles: $164
Average monthly premium for $1,000 deductibles (subtract): – $111
Monthly savings from raising deductible: $53
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $53
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

Should you buy full coverage?

The chart below shows the comparison of Saturn Outlook auto insurance costs with full physical damage coverage and with liability coverage only. The price estimates are based on no claims or violations, $1,000 deductibles, single status, and no discounts are factored in.

When to drop full coverage

There is no definitive formula to delete physical damage coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance is 10% or more of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let’s assume your Saturn Outlook replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $7,000 after paying your deductible. If you are currently paying more than $700 annually for comprehensive and collision coverage, then it might be time to buy liability only.

There are some cases where removing full coverage is not in your best interest. If you still have a loan on your vehicle, you are required to maintain full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not drop full coverage.

Discount New Orleans auto insurance rates

Some companies don’t always advertise every discount very well, so below is a list some of the best known and also the lesser-known discounts you could be receiving when you buy New Orleans auto insurance online.

One last thing about discounts, many deductions do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like comprehensive or collision. So when it seems like it’s possible to get free car insurance, that’s just not realistic.

The information below shows the comparison of Saturn Outlook insurance rates with and without discounts applied to the premium. The information is based on a female driver, no violations or claims, Louisiana state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, safe-driver, marriage, multi-policy, and multi-car discounts applied.

A few popular companies and the discounts they provide can be found below.

It’s a good idea to ask every prospective company which discounts can lower your rates. Some discounts listed above may not be offered in every state. If you would like to view providers with discount auto insurance rates in Louisiana, click here to view.

Do I just need basic coverages?

When it comes to choosing the best insurance coverage, there isn’t really a cookie cutter policy. You are unique and your policy should reflect that. These are some specific questions can help discover whether you would benefit from an agent’s advice.

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

When to get advice from an insurance agency

Certain consumers would prefer to buy from a licensed agent and doing that can be a smart decision Professional agents can help you choose the best coverages and help file insurance claims. One of the great benefits of comparing rate quotes online is the fact that you can find lower prices and still buy from a local agent.

Insurance agency in New OrleansFor easy comparison, once you complete this form (opens in new window), your information is sent to local insurance agents in New Orleans who will return price quotes to get your business. You won’t even need to leave your house because prices are sent to your email. If for some reason you want to get a rate quote from a specific insurance provider, don’t hesitate to visit that company’s website and submit a quote form there.

Finding a good company needs to be determined by more than just the premium amount. Agents should be asked these questions:

Best car insurance agent in New Orleans

When finding a good insurance agency, it helps to know the two different types of agencies and how they operate. Insurance agencies in New Orleans are either independent (non-exclusive) or exclusive. Either one can insure your vehicles, but it’s important to point out the differences because it can factor into your agent selection.

Exclusive Agencies

Agents that choose to be exclusive can only provide one company’s prices and some examples include State Farm, AAA, Farmers Insurance or Allstate. They are unable to shop your coverage around so you might not find the best rates. They are well schooled on the products they sell which helps offset the inability to provide other markets. Consumers frequently buy insurance from these agents mostly because of the prominent brand name rather than low rates.

Below are New Orleans exclusive agencies that are able to give price quote information.

More insurance agents

Independent Insurance Agents

Agents in the independent channel do not sell for just one brand so they can write business with lots of companies and get the cheapest rates. If they quote lower rates, an independent agent can move your coverage which makes it simple for you.

When comparison shopping, you will want to get some free quotes from multiple independent agents to get the most accurate price comparison. Many independent agencies also insure through small regional insurance companies which can save you money.

Shown below are New Orleans independent insurance agencies who can help you get rate quotes.

More insurance agents

Once you have received positive responses to your questions and locked in a price quote, you may have just found an auto insurance agent that is reliable enough to properly insure your vehicles. Just understand that you are entitled to cancel your policy at any point so don’t feel that you are obligated to any particular company for the full term.

Don’t give up on cheaper coverage

You just learned a lot of ways to compare Saturn Outlook insurance prices in New Orleans. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Consumers could even find that the lowest priced car insurance comes from some of the smallest insurance companies. They can often insure niche markets at a lower cost than the large multi-state companies such as State Farm and Allstate.

When shopping online for car insurance, you should never skimp on coverage in order to save money. In many instances, someone sacrificed physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to find the BEST coverage at an affordable rate, but do not sacrifice coverage to save money.

Lower-priced Saturn Outlook insurance in New Orleans can be sourced online in addition to local insurance agencies, and you should compare price quotes from both to have the best rate selection. Some companies do not offer price quotes online and many times these regional carriers sell through independent agents.

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