How Much Does 2003 Saturn VUE Insurance Cost?

If price shopping auto insurance quotes online is new to you, it’s easy to be baffled thanks to the incredible selection insurance agents and companies all advertising big savings.

Consumers need to compare premium rates quite often because car insurance prices fluctuate regularly. Despite the fact that you may have had the lowest price on VUE coverage at your last renewal there is a good chance you can find better rate quotes now. Forget all the misinformation about car insurance because you’re going to get a crash course in one of the best ways to properly buy coverages and cut your premium.

If you have car insurance now, you should be able to lower your premiums substantially using these tips. The purpose of this article is to tell you the most effective way to quote insurance and some tips to save money. Although vehicle owners need to have an understanding of the way insurance companies price insurance differently.

How to buy insurance coverage online

There are a variety of methods to compare insurance coverage prices but there is one way that is more efficient than others. You can spend your afternoon discussing policy coverages with insurance agencies in your area, or you can stay home and use online quotes to get rates in a matter of minutes.

Most of the larger companies participate in a marketplace where insurance shoppers enter their coverage request one time, and each company can give them a price based on that data. This saves time by eliminating form submissions to each company.

To compare rates using this form now click here to start a free quote.

The only drawback to comparing rates this way is you cannot specify the companies you will receive quotes from. So if you prefer to choose specific providers to compare rates, we put together a list of insurance coverage companies in your area. Click here for list of insurance companies.

Whichever way you choose to compare rates, do your best to enter the same quote information for every company. If each company quotes different deductibles you can’t possibly get a fair rate comparison. Slightly different coverage limits may result in a large different in cost. And when comparison shopping, comparing more company’s prices increases the change that you will find more affordable rates. Not every company allows you to get online price quotes, so you need to compare price quotes from them, too.

Do drivers who switch really save?

State Farm, Allstate and Geico endlessly run television and radio advertisements. They all seem to make the point that people will save just by switching your coverage. How do they all make almost identical claims? Just pay attention to how they say it.

Different companies have specific characteristics for the type of driver that earns them the highest profit. One example of a profitable insured might be described as between the ages of 40 and 55, has few claims, and drives less than 7,500 miles a year. A propective insured who matches that profile gets the lowest auto insurance rates and most likely will save if they switch.

Potential customers who cannot meet the “perfect” profile will be charged higher rates and ends up with the driver buying from a lower-cost company. If you listen closely, the ads state “drivers who switch” but not “everyone who gets a quote” save that kind of money. That’s the way companies can state the savings. Because every company is different, you really need to get a wide range of price quotes. You cannot predict with any certainty which company will have better premium rates than you’re paying now.

Informed drivers know how to buy car insurance cheaper

It’s important that you understand the rating factors that go into determining your policy premiums. If you know what determines premiums, this enables you to make decisions that could help you find much lower annual insurance costs.

• Be proud to be claim-free – If you are the type of insured that files lots of claims you can expect either a policy non-renewal or much higher rates. Auto insurance companies give discounts to insureds who file claims infrequently. Your insurance policy is designed for larger claims.
• Where do you drive? – The higher the miles on your Saturn every year the more you will pay for car insurance. Almost all companies charge to insure your cars determined by how the vehicle is used. Vehicles used primarily for pleasure use receive better premium rates compared to those used for work or business. Verify your car insurance policy reflects the correct usage for each vehicle. Having the wrong rating on your VUE can cost quite a bit.
• Car insurance liability insurance limits – A critical coverage on your policy, liability insurance kicks in in the event that you are determined to be liable for damages caused by your negligence. Your liability coverage provides for a legal defense which can be incredibly expensive. Liability is cheap compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
• Better credit means lower prices – An insured’s credit rating can be a huge factor in determining what you pay for car insurance. If your credit history could use some work, you could save money insuring your 2003 Saturn VUE if you clean up your credit. Consumers who have excellent credit tend to file fewer claims than drivers who have bad credit.
• Job impacts car insurance rates – Jobs such as doctorsair traffic controllers and dentists tend to pay the highest average rates in part from intense work requirements and extremely grueling work hours. Conversely, careers like professors, historians and performers pay lower than average rates on VUE coverage.
• Obey driving laws and save – Your driving record has a big impact on rates. Even a single speeding ticket or other violation can boost insurance rates twenty percent or more. Drivers who don’t get tickets tend to pay less for car insurance compared to drivers with tickets. Drivers who have gotten license-revoking violations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form with their state DMV in order to continue driving.
• Males pay higher prices – Over the last 30 years, statistics show women are more cautious behind the wheel. The data does not necessarily mean that men are WORSE drivers than women. Women and men have accidents at a similar rate, but the males tend to have more serious accidents. Not only that, but men also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 cause the most accidents and therefore have the most expensive car insurance rates.

Are you qualifying for every discount?

Companies that sell car insurance don’t always publicize every available discount very well, so we took the time to find some of the more common as well as some of the hidden discounts that you may qualify for. If you do not double check each discount you deserve, you are just wasting money.

• Discounts for Responsible Drivers – Drivers without accidents may save up to 50% more on VUE coverage than less cautious drivers.
• Homeowners Savings – Owning a house may trigger a policy discount on car insurance because maintaining a house requires a higher level of personal finance.
• Student Driver Training – Have your child enroll in driver’s education as it can save substantially.
• Accident-Free Discounts – Insureds who avoid accidents and claims pay much less as compared to frequent claim filers.
• Active Military Service – Being deployed with a military unit could be rewarded with lower premium rates.

Drivers should understand that some credits don’t apply to the entire cost. Most only reduce the cost of specific coverages such as liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, it doesn’t quite work that way.

Companies and a selection of discounts are detailed below.

• Progressive has discounts for online quote discount, online signing, good student, multi-policy, multi-vehicle, and continuous coverage.
• MetLife offers discounts including defensive driver, multi-policy, good driver, accident-free, good student, and claim-free.
• Mercury Insurance includes discounts for good student, anti-theft, location of vehicle, age of vehicle, annual mileage, good driver, and type of vehicle.
• Nationwide policyholders can earn discounts including family plan, good student, defensive driving, anti-theft, and multi-policy.
• Geico has savings for multi-policy, multi-vehicle, federal employee, anti-theft, military active duty, driver training, and five-year accident-free.
• AAA offers discounts for good driver, good student, multi-policy, AAA membership discount, pay-in-full, multi-car, and anti-theft.

Double check with every insurance company which discounts you qualify for. Some of the discounts discussed earlier might not be offered in your state. For a list of car insurance companies offering car insurance discounts, click here to view.

When in doubt talk to an agent

When choosing the best insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different.

For example, these questions can help discover if you would benefit from an agent’s advice.

• Is my teenager covered with friends in the car?
• Can my teen drive my company car?
• Are split liability limits better than a combined single limit?
• I don’t drive much so do I pay less?
• Should I buy more coverage than the required minimum liability coverage?
• I have health insurance so do I need medical payments coverage?
• Does medical payments coverage apply to all occupants?
• Can my babysitter drive my car?
• Why am I required to buy high-risk coverage?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form.

Insurance coverage basics

Knowing the specifics of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Liability auto insurance – This can cover damage or injury you incur to other people or property in an accident. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like repair bills for other people’s vehicles, bail bonds, attorney fees and legal defense fees. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Comprehensive coverage – Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, hitting a bird, theft, vandalism and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage – This will pay to fix damage to your VUE resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as crashing into a building, crashing into a ditch, sideswiping another vehicle and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as X-ray expenses, EMT expenses, ambulance fees and hospital visits. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants as well as being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Saturn VUE.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Shop around and save

While you’re price shopping online, make sure you don’t reduce coverage to reduce premium. There are too many instances where consumers will sacrifice collision coverage only to regret at claim time that the small savings ended up costing them much more. Your strategy should be to find the BEST coverage at an affordable rate while still protecting your assets.

You just read many tips how you can get a better price on 2003 Saturn VUE insurance. The most important thing to understand is the more times you quote, the better likelihood of getting cheaper auto insurance. Consumers could even find that the lowest priced insurance comes from some of the smallest insurance companies.

Cheaper 2003 Saturn VUE insurance is definitely available both online and also from your neighborhood agents, so you should compare both to have the best selection. Some insurance providers don’t offer rate quotes online and most of the time these regional carriers prefer to sell through independent agencies.

To learn more, feel free to visit the articles below:

• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Parking Tips to Reduce Door Dings (State Farm)
• Child Safety FAQ (iihs.org)