Lower Your 2007 Saturn VUE Insurance Cost

Remember that some of the credits will not apply to the entire cost. Most only reduce specific coverage prices like comprehensive or collision. Despite the fact that it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business. Any amount of discount will positively reduce your policy premium.

Car insurance companies that may offer these discounts include:

• State Farm
• Esurance
• Progressive
• Liberty Mutual
• Auto-Owners Insurance
• Geico

When comparing rates, check with all the companies how you can save money. Some discounts might not be offered in your state. To view insurers who offer free car insurance quotes, click here.

How insurance providers determine Saturn VUE insurance premiums

Consumers need to have an understanding of some of the factors that help determine your policy premiums. If you have some idea of what determines base rates, this empowers consumers to make smart changes that could help you find much lower annual insurance costs. Many different elements are used when you quote your car insurance policy. A few of the factors are predictable like your driving record, although some other factors are not as apparent such as whether you are married and annual miles driven.

• City dwellers may pay more – Living in smaller towns and rural areas of the country may provide you with better prices when it comes to car insurance. Urban drivers regularly have much more traffic and higher rates of accident claims. Lower population translates into fewer accidents in addition to lower liability claims
• How’s your driving record? – Whether or not you get tickets has a lot to do with how much you pay for insurance. Attentive drivers pay less for auto insurance than bad drivers. Having a single ticket can increase the cost of insurance substantially. Drivers who get dangerous tickets such as DWI, reckless driving or hit and run convictions might be required by their state to complete a SR-22 with their state DMV in order to legally drive.
• How many coverages with the same company – Most companies allow discounts to customers that buy multiple policies. It’s known as a multi-policy discount. If you currently are using one company, it’s still a good idea to check prices from other companies to ensure the best deal.There is a good possibility that you can save more without the discount by buying insurance from more than one company.
• Save by driving safer cars – Safer cars tend to have better insurance rates. Highly rated vehicles have better occupant injury protection and lower injury rates means your insurance company pays less and cheaper rates on your policy. If your Saturn is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
• Females tend to cost less – Statistics demonstrate that females tend to be a little less risky than males. That doesn’t necessarily mean that women are BETTER drivers than men. They both are responsible for at-fault accidents in similar percentages, but males get into accidents with more damage. Men also tend to get ticketed for serious violations like driving under the influence (DUI).
• Only buy extra policy coverages you need – There are a lot of extra add-on coverages that can add up but may not be useful. Insurance for vanishing deductibles, high-cost glass coverage, and membership fees are examples of these. They may seem like a good idea when buying your policy, but now you might not need them so consider taking them off your policy.
• Long commutes cost more – Driving more miles every year the more you’ll pay to insure your vehicle. The majority of insurers price each vehicle’s coverage based on how the vehicle is used. Autos used primarily for pleasure use cost less to insure than vehicles that are driven to work every day. Incorrect rating for your VUE can cost quite a bit. It’s a smart idea to ensure your car insurance policy is rated on the correct driver usage, because improper ratings can cost you money.

How do I know if I need professional advice?

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different.

For example, these questions might help in determining whether you would benefit from professional advice.

• Are all vehicle passengers covered by medical payments coverage?
• What is the minimum liability in my state?
• Do I need to file an SR-22 for a DUI in my state?
• Which is better, split liability limits or combined limits?
• Am I covered if I crash into my own garage door?
• Should I put collision coverage on all my vehicles?
• Am I missing any policy discounts?
• Where can I find DUI or SR-22 insurance?
• Do I need PIP (personal injury protection) coverage in my state?
• When should my teen driver be added to my policy?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form.

Car insurance ads are enticing

Popular car insurance providers such as Geico, State Farm and Progressive regularly use ads in print and on television. All the ads have a common claim about how much you will save after switching your policy. But how can every company charge lower premium rates? This is the trick they use.

All companies have a preferred profile for the type of driver that will not have excessive claims. For instance, this type of insured may need to be between the ages of 30 and 45, has no prior claims, and drives less than 7,500 miles a year. Any person that matches those criteria is entitled to the best price and will also save some money.

Consumers who fall outside the ideal profile will have to pay higher rates and the driver buying from a lower-cost company. If you pay attention, the ads say “customers who switch” but not “all drivers who get quotes” save that kind of money. That’s why companies can make claims like that.

This really drives home the point why drivers should compare many company’s prices. It’s not possible to predict which company will have the lowest rates.

Specifics of your insurance policy

Having a good grasp of insurance helps when choosing which coverages you need and the correct deductibles and limits. Insurance terms can be confusing and reading a policy is terribly boring.

Coverage for collisions

This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as damaging your car on a curb, crashing into a ditch and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hitting a bird, a broken windshield, vandalism and damage from flooding. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability car insurance

Liability coverage can cover damages or injuries you inflict on other people or property in an accident. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims like funeral expenses, repair bills for other people’s vehicles and medical expenses. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Saturn VUE.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits are set the same as your liablity limits.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for short-term medical expenses like nursing services, EMT expenses, X-ray expenses and rehabilitation expenses. They are used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Knowledge is power

As you restructure your insurance plan, it’s not a good idea to reduce needed coverages to save money. In many cases, someone dropped full coverage and discovered at claim time they didn’t purchase enough coverage. The ultimate goal is to get the best coverage possible at the best possible price but still have enough coverage for asset protection.

You just read a lot of ways to lower your 2007 Saturn VUE insurance prices. The key thing to remember is the more companies you get rates for, the better likelihood of getting affordable car insurance. Drivers may discover the lowest priced insurance coverage comes from a small mutual company.

Consumers switch companies for many reasons like lack of trust in their agent, delays in paying claims, policy non-renewal and even extreme rates for teen drivers. It doesn’t matter what your reason, finding a new company is not as difficult as it may seem.

More information is located below:

• Preventing Carjacking and Theft (Insurance Information Insitute)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• How to Avoid Common Accidents (State Farm)
• Choosing a Car for Your Teen (State Farm)
• Collision Coverage (Liberty Mutual)