Lower Your 2002 Saturn VUE Insurance Rates

Looking for lower insurance rates for your Saturn VUE? Frustrated by the dozens of insurance providers that you can choose from? There are such a vast assortment of providers available that it can quickly become a lot of work to find the lowest price.

You need to price shop coverage quite often because prices are constantly changing. Even if you think you had the best quotes on VUE coverage a few years ago the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about insurance because you’re about to learn the proper way to save on insurance.

If you have car insurance now, you should be able to lower your premiums substantially using these methods. Shopping for the cheapest auto insurance is not that difficult. Nevertheless, drivers benefit from understanding how big insurance companies market insurance on the web and apply this information to your search.

Get cheaper rates with these discounts

Insurance coverage is neither fun to buy or cheap, but you may be missing some discounts to help offset the cost. Certain credits will be shown at the time you complete a quote, but occassionally some discounts must be specially asked for in order for you to get them.

  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts of 25 to 30%.
  • Multi-car Discount – Buying coverage for more than one vehicle on a single policy may reduce the rate for each vehicle.
  • College Student – Children living away from home attending college without a vehicle on campus could qualify for this discount.
  • Driver’s Education for Students – Have your child take driver’s ed class as it can save substantially.
  • Sign Early and Save – A few insurance companies offer discounts for renewing your policy before your current coverage expires. You can save around 10% with this discount.

Drivers should understand that many deductions do not apply the the whole policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So even though it sounds like it’s possible to get free car insurance, it doesn’t quite work that way.

Larger insurance coverage companies and a partial list of their discounts can be found below.

  • Farm Bureau discounts include good student, safe driver, youthful driver, driver training, and 55 and retired.
  • State Farm may have discounts that include accident-free, passive restraint, defensive driving training, good driver, driver’s education, good student, and safe vehicle.
  • Progressive offers premium reductions for multi-policy, online quote discount, good student, continuous coverage, online signing, homeowner, and multi-vehicle.
  • Allstate policyholders can earn discounts including multi-policy, resident student, premier plus, teenSMART discount, economy car, and anti-theft.
  • Nationwide offers discounts including multi-policy, easy pay, accident-free, family plan, and Farm Bureau membership.
  • MetLife has savings for good student, accident-free, claim-free, good driver, and multi-policy.

Before purchasing a policy, check with every company which discounts you may be entitled to. Some discounts listed above might not apply in your area.

Saturn VUE insurance prices can be lower

Many things are part of the equation when you quote your car insurance policy. Some factors are common sense such as your driving record, although some other factors are less obvious like where you live or your commute time.

The factors shown below are some of the factors used by insurance companies to determine premiums.

  • Safer vehicles save money – Safer cars tend to have lower insurance rates. The safest vehicles help reduce the chance of injuries in an accident and better occupant protection translates into savings for insurance companies which can result in lower premiums.
  • Teen vs. older drivers – Youthful drivers are statistically shown to be less responsible when driving and because of this, their auto insurance rates are much higher. If you’ve ever had to add a first-time driver to your auto insurance policy will cause a huge premium hike. More mature drivers are shown to be more cautious, are lower risk to insure and tend to be get fewer driving tickets.
  • Certain vocations pay higher prices – Did you know your occupation can influence how much you pay for auto insurance? Occupations like real estate brokers, executives and medical professionals generally have higher rates than the rest of us in part from stressful work requirements and extremely grueling work hours. On the other hand, professions such as scientists, historians and homemakers get better rates on VUE coverage.
  • Gender matters – Statistics show women are more cautious behind the wheel. However, don’t assume that women are better drivers. Males and females are in fender benders at a similar rate, but the male of the species get into accidents with more damage. In addition to higher claims, males also get cited for more serious violations like DWI (DUI) or reckless driving.
  • Liability coverage claims can be big – Your auto insurance policy’s liability coverage is the coverage that protects you if you are found liable for damages caused by your negligence. Liability insurance provides legal defense coverage to defend your case. Liability is cheap compared to physical damage coverage, so insureds should have plenty of protection for their assets.
  • Save money by raising coverage deductibles – The deductibles define the amount the insured will be required to pay before your auto insurance pays a claim. Physical damage protection, aka comp and collision, insures against damage to your car. Some coverage claims could be colliding with a stationary object, hail damage, or theft of your vehicle. The more expense the insured has to pay upfront, the better rate you will receive on VUE coverage.
  • Vehicle options can affect auto insurance rates – Selecting a car model that has a built-in theft deterrent system can save you a little every year. Theft deterrent systems such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your car from being stolen.

Insurance can be complex

When it comes to buying adequate coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining whether your personal situation will benefit from professional help.

  • Can I drive in Mexico and have coverage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I have coverage if my license is suspended?
  • Is my 2002 Saturn VUE covered for flood damage?
  • Is my state a no-fault state?
  • Can I make deliveries for my home business?
  • Are split liability limits better than a combined single limit?
  • Should I waive the damage coverage when renting a car?
  • Should I rate my 2002 Saturn VUE as pleasure use or commute?
  • Should I put collision coverage on all my vehicles?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, complete this form.

Can you really save if you switch?

Popular car insurance providers such as Progressive, Allstate and GEICO consistently run television, radio, and online ads. They all seem to advertise the message that drivers can save some big amount if you just switch your policy. How does each company charge less that you’re paying now?

Car insurance companies have underwriting criteria for the right customer that earns them a profit. For instance, a driver they prefer might be described as between 30 and 50, has had continuous coverage, and has a high credit rating. Any person who fits those characteristics is entitled to the best price and most likely will save money with a new company.

People who do not meet the requirements may receive a more expensive rate and business going elsewhere. If you listen closely, the ads state “drivers that switch” not “everyone that quotes” save money. This is how companies can make the claims of big savings.

Because of this risk profiling, you really need to do a quote comparison often. It is impossible to predict with any certainty which company will have the lowest prices for your situation.

Parts of your auto insurance policy

Knowing the specifics of your auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring.

Uninsured and underinsured coverage

This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your Saturn VUE.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages are set the same as your liablity limits.

Auto collision coverage

Collision insurance covers damage to your VUE resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a mailbox, crashing into a ditch, hitting a parking meter and crashing into a building. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

Comprehensive coverages

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, hitting a bird, fire damage and hail damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for bills for things like ambulance fees, prosthetic devices, X-ray expenses, pain medications and dental work. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Liability auto insurance

This coverage can cover damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like funeral expenses, repair costs for stationary objects, repair bills for other people’s vehicles and bail bonds. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Keep this in mind

As you prepare to switch companies, it’s very important that you do not buy poor coverage just to save money. There are too many instances where someone sacrificed comprehensive coverage or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. The aim is to purchase a proper amount of coverage at the best cost, but do not skimp to save money.

We just showed you many tips how you can compare 2002 Saturn VUE insurance rates online. The key concept to understand is the more you quote car insurance, the better your chances of lowering your car insurance rates. You may be surprised to find that the best rates are with a smaller regional carrier.

Affordable 2002 Saturn VUE insurance is attainable on the web in addition to many insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers do not provide internet price quotes and these small insurance companies sell through local independent agents.

More tips and info about auto insurance can be read in these articles:

Comments About 2002 Saturn VUE Insurance

  1. Amiee Saunders

    My 2002 Saturn VUE is faster than yours.

  2. Tish Nielsen

    Lifelong resident of Mesa, Arizona. Not sure of all the companies but I ended up saving about $30 each month. I think they have home insurance too. It’s still not cheap enough.

  3. Glynda Gaines

    For me, State Farm was by far the cheapest in Montgomery, AL.

  4. Towanda Dickerson

    In Pittsburgh, PA, American Family had the best rates for my 2002 Saturn VUE. Have an at-fault accident tho. Not sure about claim service. I dropped full coverage awhile back.

  5. Michaela Shaw

    Is GEICO or Esurance cheap in Greensboro, North Carolina?

  6. Synthia Madden

    I got decent rates for a 2002 Saturn VUE in Dover, DE. Ended up at about $100 every six months with American Family. I recommend comparing lots of rates. I’m thinking about dropping full coverage though.

  7. Caitlin Wiggins

    Live in Omaha, NE. I got free quotes with GEICO, Amica, Encompass, and Hartford for my 2002 Saturn VUE and I’m now saving $14 a month. Left Hanover to switch. Got better coverage too.

  8. Louis Clark

    If you have a clean record and live in the vicinity of Cleveland, OH, check out Allstate. You might save some money. I even had a DUI years ago. It’s easy to compare rates online now. I don’t have comp or collision coverage.