Cheaper 2009 Saturn VUE Insurance Quotes

Nobody that owns a car is fond of buying car insurance, particularly when the cost is too high.

With so many options when it comes to car insurance, it is hard for the average consumer to pick the lowest price car insurance provider.

This information will teach you how to effectively get price quotes and some tips to save money. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. Although consumers do need to understand the methods companies use to determine prices and use this information to your advantage.

What affects Saturn VUE insurance rates?

The best way to find cheaper car insurance is to take a look at the rating factors that play a part in calculating your premiums. If you understand what impacts premium levels, this allows you to make educated decisions that could result in lower rates.

Listed below are some of the factors companies use to determine rates.

• No insurance claims equals lower prices – If you frequently file small claims, you should expect either a policy non-renewal or much higher rates. Insurance companies give cheaper rates to people who do not file claims often. Insurance coverage is intended to be relied upon for larger claims.
• Your address can push rates up or down – Choosing to live in smaller towns and rural areas of the country is a positive aspect when buying car insurance. Lower population corresponds to lower accident rates in addition to lower liability claims Drivers in populated areas tend to have more traffic problems and much longer commute distances. Longer commute distances means more chance of being in an accident.
• If you don’t need it don’t buy it – Policies have extra coverages that you can buy if you aren’t diligent. Things like replacement cost coverage, towing, and extra life insurance coverage may be costing you every month. These may sound like a good investment when you first buy your policy, but if you’ve never needed them in the past think about removing them and cutting costs.
• Gender and insurance rates – Statistics show females are less aggressive when driving. That doesn’t necessarily mean that women are BETTER drivers than men. Both genders tend to get into at-fault accidents in similar numbers, but the men get into accidents with more damage. Men also tend to get cited for more serious violations such as reckless driving. Youthful male drivers have the highest risk to insure and thus pay the highest rates.
• High comp and collision deductibles lower costs – Comp and collision deductibles define the amount you are required to spend out-of-pocket if you file a covered claim. Coverage for physical damage, also known as collision and other-than-collision, covers damage that occurs to your car. Some examples of covered claims would be rearending another vehicle, hail damage, and damage from wind. The more damage repair cost you pay before a claim is paid (deductible), the less your car insurance will be on VUE coverage.

Verify you’re getting every discount

Companies that sell car insurance don’t necessarily list their entire list of discounts very clearly, so the list below contains both the well known and also the more inconspicuous credits available to you. If you check and find you aren’t receiving every discount available, you’re paying more than you need to.

• Clubs and Organizations – Affiliation with a qualifying organization is a good way to get lower rates on your policy.
• Defensive Driver – Participating in a class that teaches safe driver techniques could save 5% or more and easily pay for the cost of the class.
• Discount for Life Insurance – Larger insurance companies have a discount if you purchase life insurance.
• Good Student – A discount for being a good student may save you up to 25%. This discount can apply well after school through age 25.
• Seat Belt Usage – Drivers who require all vehicle occupants to buckle up before driving could save 15% off PIP or medical payments premium.
• Braking Control Discount – Cars, trucks, and SUVs with anti-lock braking systems can stop better under adverse conditions and therefore earn up to a 10% discount.
• Passenger Safety Discount – Options like air bags or motorized seat belts could see savings up to 30%.
• Multi-Vehicle Discounts – Insuring several vehicles with the same company could earn a price break for each car.
• Paper-free Discount – Some of the larger companies will provide an incentive for buying your policy digitally online.
• Senior Citizens – If you qualify as a senior citizen, you may qualify for a small decrease in premiums on VUE coverage.

Discounts lower rates, but many deductions do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as comp or med pay. So even though you would think it’s possible to get free car insurance, companies wouldn’t make money that way.

If you would like to choose from a list of insurers with discount rates, click here.

When should I discuss my situation with an agent?

When choosing proper insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique so your insurance should reflect that These are some specific questions may help highlight if your situation would benefit from an agent’s advice.

• Why is insurance for a teen driver so high?
• What if I owe more than I can insure my car for?
• Will my insurance pay for OEM parts?
• What should my uninsured motorist coverage limits be in my state?
• When should I remove comp and collision on my 2009 Saturn VUE?
• Do I have coverage when using my vehicle for my home business?
• What is high-risk coverage and where do I buy it?
• Are there companies who specialize in insuring high-risk drivers?
• Am I covered by my spouse’s policy after a separation?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Car insurance coverage information

Learning about specific coverages of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types offered by insurance companies.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as hitting a parking meter, sideswiping another vehicle, colliding with a tree, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Liability car insurance

This protects you from damage or injury you incur to people or other property by causing an accident. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things such as emergency aid, court costs, legal defense fees, funeral expenses and medical services. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like EMT expenses, surgery, X-ray expenses, dental work and ambulance fees. They are used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from getting keyed, falling objects, hail damage, vandalism and rock chips in glass. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Frequently these limits are similar to your liability insurance amounts.

Pennies from heaven

When getting auto insurance quotes online, make sure you don’t skimp on critical coverages to save a buck or two. There have been many situations where an insured dropped physical damage coverage only to find out they didn’t purchase enough coverage. The ultimate goal is to buy a smart amount of coverage at an affordable rate, but don’t skip important coverages to save money.

The cheapest 2009 Saturn VUE insurance is possible from both online companies in addition to local insurance agencies, so you should compare both to have the best chance of lowering rates. Some companies may not provide online price quotes and many times these regional insurance providers only sell through independent agents.

You just read some good ideas how you can compare 2009 Saturn VUE insurance auto insurance rates online. The key concept to understand is the more quotes you get, the higher your chance of finding the cheapest auto insurance. You may even find the lowest auto insurance rates come from the least-expected company. They may often insure only within specific states and give getter rates compared to the large companies like Geico and State Farm.

Additional information is available at these links:

• What is a Telematics Device? (Allstate)
• Liability Insurance Coverage (Nationwide)
• What is Full Coverage? (Allstate)
• Frontal Crash Tests (iihs.org)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)