Trying to find cheaper car insurance rates for your Saturn VUE? Searching for cheaper insurance for a new or used Saturn VUE can normally be difficult, but you can learn the following methods to save time.
There are both good and bad ways to shop for car insurance so we’re going to tell you the proper way to quote coverages on a Saturn and locate the best price possible either online or from local insurance agents.
Effectively comparing auto insurance prices can be challenging if you don’t understand the best way to get rate quotes. You could waste a few hours talking about coverages with insurance agencies in your area, or you can stay home and use the internet to get prices fast.
Many of the larger companies participate in an industry program where prospective buyers complete one form, and at least one company provides a quote for coverage. This saves time by eliminating quotation requests to every company. To compare pricing click here (opens in new window).
One minor caviat to getting quotes like this is you don’t know exactly which carriers you will receive quotes from. So if you want to select specific providers to request quotes from, we have a listing of the cheapest auto insurance companies in your area. Click here for list of insurance companies.
Whichever way you use, double check that you are using exactly the same coverage limits with every price quote. If you use different deductibles it will be next to impossible to determine the lowest rate for your Saturn VUE.
Consumers get pounded daily by advertisements for car insurance savings from the likes of State Farm, Allstate and GEICO. They all say the same thing that you can save if you change your coverage to them.
How can each company claim to save you money? It’s all in the numbers.
Insurance companies are able to cherry pick for the type of customer that makes them money. A good example of a preferred risk could be over the age of 40, owns a home, and drives less than 10,000 miles a year. A customer getting a price quote who fits that profile is entitled to the best price and therefore will save quite a bit of money when switching.
Potential insureds who fall outside this ideal profile must pay a more expensive rate and ends up with the driver buying from a lower-cost company. The ad wording is “customers that switch” but not “drivers who get quotes” save that kind of money. That’s why companies can make the claims of big savings.
This illustrates why it is so important to get quotes from several different companies. It’s impossible to know the company that will give you the biggest savings on Saturn VUE insurance.
Insuring your vehicles can cost a lot, but there could be available discounts to reduce the price significantly. Some trigger automatically at the time of purchase, but a few need to be inquired about before they will apply. If you aren’t receiving every discount available, you are paying more than you should be.
It’s important to note that some of the credits will not apply to the entire policy premium. Most only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, it doesn’t quite work that way. But any discount will bring down your premiums.
For a list of insurers who offer insurance coverage discounts, click here.
When it comes to choosing the best auto insurance coverage for your vehicles, there really is not a perfect coverage plan. Every situation is different.
These are some specific questions could help you determine if your insurance needs would benefit from an agent’s advice.
If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.
Understanding the coverages of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.
This coverage will pay to fix damage to your VUE from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims such as colliding with another moving vehicle, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.
Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Saturn VUE.
Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.
This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims such as hail damage, damage from flooding, hitting a bird, vandalism and rock chips in glass. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
This protects you from damage or injury you incur to a person or their property that is your fault. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.
Liability coverage pays for claims like loss of income, bail bonds and attorney fees. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.
Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for chiropractic care, rehabilitation expenses, ambulance fees and prosthetic devices. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle 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
In this article, we covered quite a bit of information on how to compare 2006 Saturn VUE insurance prices online. The key concept to understand is the more rate comparisons you have, the higher your chance of finding lower rates. You may even find the biggest savings come from the least-expected company.
Consumers who switch companies do it for a number of reasons such as high rates after DUI convictions, delays in responding to claim requests, poor customer service or denial of a claim. No matter why you want to switch, switching insurance companies can be easier than you think.
As you shop your coverage around, it’s very important that you do not reduce coverage to reduce premium. There are too many instances where someone dropped comprehensive coverage or liability limits only to regret they didn’t have enough coverage. The aim is to buy a smart amount of coverage at the best price while still protecting your assets.
More detailed insurance information is located at these sites: