2008 Saturn VUE Hybrid Car Insurance Cost – 8 Ways to Save

Searching for the cheapest auto insurance rates? Consumers have options when looking for the best price on Saturn VUE Hybrid insurance. They can either waste time struggling with agents getting price quotes or leverage the internet to find the lowest rates.

There is a better way to compare auto insurance rates so you’re going to learn the best way to price shop coverage for your Saturn and get the best price possible from local insurance agents and online providers.

You should take the time to get comparison quotes periodically because auto insurance rates change quite often. Just because you found the lowest premium rates on VUE Hybrid insurance a few years ago the chances are good that you can find a lower price today. Ignore everything you know about auto insurance because we’re going to show you how to quote online to save on auto insurance.

The quickest method we recommend to compare car insurance company rates is to take advantage of the fact all the major auto insurance companies pay for the opportunity to give you rate quotes. The only thing you need to do is provide details like how your vehicles are used, types of safety features, marital status, and the ages of drivers. The rating information is instantly provided to insurance companies and you will receive price estimates almost instantly.

Don’t listen to company ads

Consumers can’t get away from ads that claim the best premium rates by State Farm and Allstate. All the companies try to convey promises about how much you will save after switching your policy.

How does every company charge you a lower premium? This is the trick they use.

Companies offer their best rates for the type of driver that will most likely be profitable. A good example of this type of insured could be over the age of 35, has few claims, and insures a new vehicle. Any new insured who fits those characteristics may get the lowest premium rates and will most likely cut their rates if they switch.

Drivers who fall outside those criteria will have to pay a more expensive rate which results in the customer not purchasing. If you pay close attention to the ads, they say “people who switch” but not “all drivers who get quotes” save the amount stated. That’s the way insurance companies can advertise the way they do.

This illustrates why drivers must compare as many free car insurance quotes as you can. It is impossible to guess which insurance companies will give you the biggest savings.

Verify you’re receiving every discount

Some insurance providers don’t list all disounts very well, so the following list contains both well-publicized as well as the least known credits available to you.

• Active Service Discounts – Having an actively deployed family member may lower your insurance rates slightly.
• Low Mileage Discounts – Low mileage vehicles may allow you to get cheaper insurancerates.
• Sign Online – Certain larger companies will discount your bill up to fifty bucks for signing up on your computer.
• Multi-line Discount – Select companies reward you with a lower price if you buy life insurance.
• Safety Restraint Discount – Using a seat belt and requiring all passengers to buckle up before driving could save 15% off the personal injury premium cost.
• ABS and Traction Control Discounts – Cars, trucks, and SUVs equipped with ABS or steering control have fewer accidents and therefore earn up to a 10% discount.
• Home Ownership Discount – Just being a homeowner can earn you a little savings because maintaining a house requires a higher level of personal finance.
• Passive Restraints and Air Bags – Options like air bags or motorized seat belts may get savings as much as 30%.

As is typical with insurance, most discount credits are not given to the entire cost. Most only apply to individual premiums such as liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, companies wouldn’t make money that way.

For a list of insurance companies who offer discounts, click here to view.

When should I discuss my situation with an agent?

When it comes to buying proper insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.

For instance, these questions might help in determining whether your personal situation will benefit from professional help.

• Does my 2008 Saturn VUE Hybrid need full coverage?
• Is business equipment covered while in my vehicle?
• Do I need replacement cost coverage?
• Does coverage extend to my business vehicle?
• Does liability extend to a camper or trailer?
• Is a fancy paint job covered?
• Is there coverage for injuries to my pets?
• Can my teen drive my company car?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It is quick, free and may give you better protection.

Car insurance coverages for a 2008 Saturn VUE Hybrid

Learning about specific coverages of your insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Collision coverage – This pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as crashing into a building, hitting a mailbox and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability coverage – This coverage provides protection from damages or injuries you inflict on other people or property that is your fault. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things like loss of income, funeral expenses, repair costs for stationary objects, structural damage and medical expenses. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Comprehensive protection – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as rock chips in glass, fire damage, hail damage, a broken windshield and a tree branch falling on your vehicle. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like doctor visits, hospital visits, EMT expenses, dental work and chiropractic care. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Frequently the UM/UIM limits are set the same as your liablity limits.

Buy Smart and Save

People switch companies for a variety of reasons including an unsatisfactory settlement offer, delays in responding to claim requests, poor customer service or policy cancellation. It doesn’t matter why you want to switch switching companies can be easier than you think.

Budget-conscious 2008 Saturn VUE Hybrid insurance can be found online as well as from insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some companies do not provide price quotes online and usually these regional insurance providers sell through independent insurance agents.

Throughout this article, we presented a lot of ways to lower your 2008 Saturn VUE Hybrid insurance premium rates. The key concept to understand is the more you quote car insurance, the better likelihood of getting cheap car insurance. Consumers may even find the lowest premium rates are with an unexpected company.

More learning opportunities

• Frontal Crash Tests (iihs.org)
• Teen Driving and Texting (State Farm)
• Teen Driving Statistics (iihs.org)
• Think You’re a Safe Driver? (State Farm)