Cheapest Insurance for a Saturn Outlook in Raleigh

Insurance quote for Saturn Outlook in RaleighWe don’t have to point out that fact that auto insurance companies want to keep you from comparing rates. People who compare other prices will, in all likelihood, switch companies because they stand a good chance of finding lower prices. A study showed that drivers who compared prices regularly saved over $70 a month as compared to drivers who never compared prices.

If finding the lowest price for auto insurance in Raleigh is your ultimate goal, learning the best way to shop and compare coverage rates can make the process more efficient.

The preferred way to find lower priced auto insurance rates in Raleigh is to compare prices at least once a year from insurers who sell insurance in North Carolina.

One piece of advice is to try to compare identical coverage information on each quote and and to get price estimates from as many carriers as you can. Doing this ensures the most accurate price comparison and a complete price analysis.

Keep in mind that comparing a large number of companies helps you find lower pricing.

The companies shown below have been selected to offer quotes in Raleigh, NC. In order to find cheaper car insurance in Raleigh, we suggest you click on several of them to get a more complete price comparison.

Determine discounts to get cheap Raleigh insurance quotes

Car insurance can cost a lot, but you may find discounts that could drop your premiums quite a bit. Many of these discounts will be applied automatically when you purchase, but a few must be asked about before you will receive the discount.Insurance discounts

Please keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like you could get a free insurance policy, you won’t be that lucky.

The diagram below visualizes the comparison of Saturn Outlook annual premium costs with and without discounts applied to the rates. The rate quotes are based on a male driver, a clean driving record, no claims, North Carolina 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 multi-policy, multi-car, homeowner, safe-driver, claim-free, and marriage discounts applied.

To find insurers who offer insurance discounts in North Carolina, click this link.

Saturn Outlook coverage analysis

The price information shown below highlights detailed analysis of insurance premium costs for Saturn Outlook models. Being aware of how insurance rates are determined can help you make informed decisions when shopping around for a new policy.


Saturn Outlook Insurance Rates in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlook XE 2WD $148 $250 $336 $20 $100 $854 $71
Outlook XV 2WD $148 $250 $336 $20 $100 $854 $71
Outlook XE Premium 2WD $166 $296 $336 $20 $100 $918 $77
Outlook XE AWD $166 $296 $336 $20 $100 $918 $77
Outlook XE Premium AWD $166 $296 $336 $20 $100 $918 $77
Outlook XR-L 2WD $166 $296 $336 $20 $100 $918 $77
Outlook XR-L AWD $166 $296 $336 $20 $100 $918 $77
Outlook XR-L Premium 2WD $166 $296 $336 $20 $100 $918 $77
Outlook XR-L Premium AWD $166 $296 $336 $20 $100 $918 $77
Get Your Own Custom Quote Go

Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Estimates do not factor in specific location which can impact auto insurance rates substantially.

Can higher deductibles save money?

A question often asked by Raleigh drivers is which comprehensive and collision deductibles to buy. The premium rates below may help you to understand the price difference when you choose different comp and collision deductibles. The first table uses a $100 physical damage deductible and the second price table uses a $500 deductible.


Saturn Outlook insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlook XE 2WD $242 $386 $250 $14 $74 $991 $83
Outlook XV 2WD $242 $386 $250 $14 $74 $991 $83
Outlook XE Premium 2WD $270 $456 $250 $14 $74 $1,089 $91
Outlook XE AWD $270 $456 $250 $14 $74 $1,089 $91
Outlook XE Premium AWD $270 $456 $250 $14 $74 $1,089 $91
Outlook XR-L 2WD $270 $456 $250 $14 $74 $1,089 $91
Outlook XR-L AWD $270 $456 $250 $14 $74 $1,089 $91
Outlook XR-L Premium 2WD $270 $456 $250 $14 $74 $1,089 $91
Outlook XR-L Premium AWD $270 $456 $250 $14 $74 $1,089 $91
Get Your Own Custom Quote Go

Saturn Outlook insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Outlook XE 2WD $176 $262 $250 $14 $74 $776 $65
Outlook XV 2WD $176 $262 $250 $14 $74 $776 $65
Outlook XE Premium 2WD $196 $308 $250 $14 $74 $842 $70
Outlook XE AWD $196 $308 $250 $14 $74 $842 $70
Outlook XE Premium AWD $196 $308 $250 $14 $74 $842 $70
Outlook XR-L 2WD $196 $308 $250 $14 $74 $842 $70
Outlook XR-L AWD $196 $308 $250 $14 $74 $842 $70
Outlook XR-L Premium 2WD $196 $308 $250 $14 $74 $842 $70
Outlook XR-L Premium AWD $196 $308 $250 $14 $74 $842 $70
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Information does not factor in vehicle garaging location which can lower or raise premiums substantially.

Based on this data, we can arrive at the conclusion that using a $100 deductible would cost the average driver about $20 more each month or $240 for a full year than selecting the higher $500 deductible. Since you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to go more than 20 months between claim filings, you would more than likely save some money if you elect the higher deductible.

Car insurance premiums based on gender

The example below visualizes the comparison of Saturn Outlook auto insurance costs for male and female drivers. The rate quotes are based on no claims or violations, comp and collision included, $500 deductibles, single status, and no discounts are taken into consideration.

Liability only or full coverage

The diagram below shows the comparison of Saturn Outlook annual premium costs with liability coverage only compared to full coverage. Data assumes a clean driving record, no claims, $1,000 deductibles, drivers are not married, and no discounts are applied.

When to switch to liability coverage only

There is no exact formula to exclude comp and collision coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is 10% or more of the replacement cost minus the deductible, then it could be time to drop full coverage.

For example, let’s say your Saturn Outlook settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $7,000 after paying the physical damage deductible. If you are paying over $700 annually for physical damage coverage, then it might be time to buy liability only.

There are a few cases where removing full coverage is not in your best interest. If you haven’t satisfied your loan, you are required to maintain full coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not buy liability only.

Components of Your Saturn Outlook Insurance Premiums

Multiple criteria are used when you get your auto insurance bill. Some are pretty understandable like an MVR report, but others are not as apparent such as your credit history or your financial responsibility.

Shown below are some of the items used by insurance companies to determine premiums.