2008 Saturn VUE Car Insurance Quotes – 10 Tricks for Best Rates

Trying to find cheaper insurance rates for your Saturn VUE? If you are new to getting auto insurance quotes online, you may be bewildered by the sheer number local agents and online companies competing for business.

If you currently have a car insurance policy, you will be able to cut costs considerably using these methods. This information will let you in on the best way to quote coverages and some tricks to saving. But vehicle owners can benefit from knowing how insurance companies sell online because it can help you find the best coverage.

Affordable auto insurance quotes

All major auto insurance companies make it easy to get prices for coverage direct online. Comparing prices online is quite easy as you just enter into the quote form. After you complete the form, their quoting system requests your driving record and credit report and gives you a price quote based on these factors.

Online price estimates makes it simple to compare prices but the time it takes to visit many different websites and type in the same information is a waste of time. But it is imperative to compare as many rates as possible in order to find the lowest price.

A better way to find cheaper rates makes use of a single form that gets price quotes from a lot of companies. The form is fast, eliminates repetitive work, and makes online quotes much simpler. Once the form is submitted, it is rated and you are able to buy any or none of the quotes that you receive. If the quotes result in lower rates, you can click and sign and purchase coverage. The entire process just takes a couple of minutes and you’ll know if lower rates are available.

To find out how much you’re overpaying now, click here to open in a new tab and begin entering your coverage information. If you have your current policy handy, we recommend you enter coverages and limits exactly as they are listed on your policy. Doing this assures you will get an apples-to-apples comparison for similar coverage.

Insurance coverage myths debunked

Companies like Allstate, Geico and Progressive constantly bombard you with ads on TV and radio. All the ads say the same thing that drivers can save some big amount if you move to their company. How can each company offer drivers better rates? Just pay attention to how they say it.

Insurance coverage companies have an ideal profile for the type of customer that makes them money. A good example of a preferred risk may be a married female, is a homeowner, and drives less than 10,000 miles a year. A customer who fits that profile is entitled to the best price and will also save a lot if they switch.

Drivers who are not a match for these standards will probably have to pay a higher rate and business going elsewhere. The wording the ads use say “people who switch” but not “all drivers who get quotes” can save as much as they claim. That’s the way companies can truthfully advertise the savings. This really emphasizes why you should get auto insurance quotes as often as possible. Because you cannot predict the company that will have better prices than you’re paying now.

Save money by earning these ten discounts

Car insurance is not cheap, but there are discounts available that can help lower your rates. Some of these disounts will be visible when you purchase, but lesser-known reductions have to be specially asked for prior to getting the savings.

• Use Seat Belts – Buckling up and requiring all passengers to fasten their seat belts can save a little off the medical payments premium.
• Early Switch Discount – A few companies give discounts for signing up before your current coverage expires. The savings is around 10%.
• Air Bags and Passive Restraints – Factory options such as air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
• Membership in Organizations – Being in qualifying clubs or civic groups may earn a discount when shopping for insurance.
• ABS Brakes – Vehicles with ABS braking systems or traction control prevent accidents so companies give up to a 10% discount.
• Claim Free – Drivers who stay claim-free have much lower rates in comparison to frequent claim filers.
• Save with More Vehicles Insured – Buying insurance for several vehicles on the same insurance policy may reduce the rate for each vehicle.
• E-sign – Many larger companies provide a small discount just for signing your application online.
• Safety Course Discount – Taking part in a safe driver course can save you 5% or more and make you a better driver.
• Drivers Education – Require your teen driver to sucessfully take a drivers education course as it will make them better drivers and lower rates.

Policy discounts save money, but some of the credits will not apply to all coverage premiums. Most only apply to specific coverage prices like medical payments or collision. Despite the appearance that you would end up receiving a 100% discount, companies wouldn’t make money that way. Any amount of discount will definitely reduce your policy premiums.

A few popular companies and the discounts they provide are included below.

• Progressive includes discounts for multi-vehicle, online signing, continuous coverage, online quote discount, homeowner, and good student.
• AAA may have discounts that include AAA membership discount, multi-car, anti-theft, pay-in-full, education and occupation, good driver, and multi-policy.
• Farmers Insurance discounts include mature driver, teen driver, pay in full, early shopping, alternative fuel, and electronic funds transfer.
• Geico offers discounts including five-year accident-free, good student, federal employee, anti-lock brakes, emergency military deployment, daytime running lights, and multi-vehicle.
• Esurance has discounts for renters, Switch & Save, homeowner, anti-lock brakes, good student, claim free, and defensive driver.
• SAFECO policyholders can earn discounts including teen safe driver, anti-lock brakes, anti-theft, safe driver, drive less, homeowner, and accident prevention training.
• State Farm may offer discounts for multiple policy, good driver, student away at school, accident-free, driver’s education, good student, and multiple autos.

Before you buy a policy, ask each company how many discounts you can get. All car insurance discounts may not apply in every state. To view companies that have a full spectrum of discounts, follow this link.

Your car insurance coverage should be tailored to you

When buying the right insurance coverage, there really is not a “best” method to buy coverage. Every situation is different.

For instance, these questions can aid in determining if your insurance needs might need an agent’s assistance.

• Why is insurance for a teen driver so high?
• Am I insured when driving a different vehicle?
• Does my insurance cover damage caused when ticketed for reckless driving?
• If my pet gets injured in an accident are they covered?
• Is my camper covered by my car insurance policy?
• Who is covered by my policy?
• Should I carry comprehensive and collision coverage?
• What is PIP insurance?
• Should I waive the damage coverage when renting a car?
• Should I put collision coverage on all my vehicles?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form.

The coverage is in the details

Understanding the coverages of your policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like theft, damage from a tornado or hurricane and vandalism. The most a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like ambulance fees, chiropractic care, rehabilitation expenses and doctor visits. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Saturn VUE.

Since a lot of 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.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as damaging your car on a curb, rolling your car, sideswiping another vehicle and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Liability coverages

This provides protection from injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things such as repair bills for other people’s vehicles, bail bonds, pain and suffering and funeral expenses. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Smart shoppers get results

When buying insurance coverage, never buy poor coverage just to save money. Too many times, consumers will sacrifice collision coverage and found out when filing a claim they didn’t have enough coverage. The aim is to purchase plenty of coverage for the lowest price and still be able to protect your assets.

In this article, we presented quite a bit of information on how to reduce 2008 Saturn VUE insurance car insurance rates online. The key thing to remember is the more you quote auto insurance, the higher the chance of saving money. You may be surprised to find that the best price on insurance coverage is with the smaller companies.

Cheaper 2008 Saturn VUE insurance can be bought online and with local insurance agents, and you need to price shop both to get a complete price analysis. Some companies do not provide the ability to get quotes online and many times these small insurance companies provide coverage only through local independent agencies.

More detailed insurance coverage information can be found in these articles:

• Choosing an Insurance Company (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)
• Understanding your Policy (NAIC.org)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)