Compare 2003 Saturn VUE Insurance Quotes

Searching for cheaper auto insurance rates for your Saturn VUE? Locating cheaper insurance for a new or used Saturn VUE can be an all-consuming task, but you can follow our auto insurance buying tips to find lower rates. There is a right way and a wrong way to shop for auto insurance so you’re going to learn the best way to quote coverages for your Saturn and locate the lowest price.

It’s important to shop coverage around before your policy renews due to the fact that insurance rates are constantly changing. Just because you found the best deal on VUE insurance a year ago the chances are good that you can find a lower rate today. You can find a lot of misleading information regarding auto insurance on the internet, so with this article, you’re going to get the best ways to find affordable auto insurance.

Buying car insurance is not rocket science. If you have insurance now or are just looking to switch companies, you can use these techniques to find better prices and still get good coverage. Drivers just need to understand the proper methods to buy insurance over the internet.

Factors that can influence insurance rates for a Saturn VUE

An important part of buying insurance is that you know the factors that come into play when calculating your insurance coverage rates. Knowing what impacts premium levels empowers consumers to make smart changes that could result in big savings.

  • Don’t buy coverages you don’t need – There are quite a few extra bells and whistles you can purchase on your VUE policy. Coverages like roadside assistance, better glass coverage and term life insurance are some examples. These may sound like a good investment when talking to your agent, but if they’re wasting money get rid of them and save.
  • Higher safety ratings means cheaper insurance – Safer cars tend to have better insurance rates. Safer cars result in less severe injuries and better occupant protection means lower claim amounts and more competitive rates for policyholders. If the Saturn VUE scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Older drivers pay less – Older insureds are more cautious drivers, tend to file fewer claims and receive fewer citations. Youthful drivers are statistically proven to be more careless when behind the wheel therefore insurance coverage rates are much higher.
  • Consolidate policies to earn discounts – Many companies provide better rates to policyholders who carry more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, it’s in your best interest to shop around to ensure the best deal.
  • Higher deductibles cost less – Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your Saturn from damage. Some examples of claims that would be covered are collision with another vehicle, damage caused by hail, or theft. Your deductibles are the amount of money you are required to spend if you file a covered claim. The more money the insured has to pay upfront, the less your company will charge you for insurance on VUE insurance.
  • Occupation reflects on rates – Did you know your job can affect your rates? Jobs such as real estate brokers, executives and financial analysts tend to pay higher average rates because of high stress and long work days. Conversely, professions such as scientists, engineers and homemakers have the lowest average rates on VUE insurance.
  • Where you live – Residing in small towns and rural areas is a positive aspect when it comes to insurance coverage. Lower population translates into fewer accidents and a lower car theft rate. City drivers have to deal with more traffic problems and a longer drive to work. More time on the road means higher likelihood of an accident.

Lower rates by qualifying for discounts

Auto insurance companies don’t always publicize every available discount very clearly, so we researched both the well known and the more hidden savings tricks you should be using. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Multi-car Discount – Insuring more than one vehicle on one policy qualifies for this discount.
  • Drive Less and Save – Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Air Bag Discount – Factory air bags can receive discounts of more than 20%.
  • Senior Citizens – Older drivers may be able to get better auto insurance rates on VUE insurance.
  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off on VUE insurance with select insurance companies.
  • One Accident Forgiven – Some insurance companies will allow you to have one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
  • Sign Online – Certain companies will give a small break for buying a policy and signing up over the internet.

Consumers should know that most credits do not apply the the whole policy. Some only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, it doesn’t quite work that way.

Companies that possibly offer some of the above discounts are:

It’s a good idea to ask all companies you are considering which discounts they offer. All car insurance discounts might not be offered in every state.

Buyer beware of insurance advertising tricks

Drivers get pounded daily by advertisements for car insurance savings by companies like Geico, State Farm and Progressive. All the ads have a common claim of big savings if you switch to them.

How does each company say the same thing? It’s all in the numbers.

All companies can use profiling for the type of customer that is profitable for them. A good example of a desirable insured might be between 25 and 40, insures multiple vehicles, and has excellent credit. A propective insured who matches those parameters is entitled to the best price and is almost guaranteed to cut their rates substantially.

Drivers who fall outside these standards must pay a higher premium and this can result in business going elsewhere. The ad wording is “drivers who switch” not “everyone that quotes” save that much money. That’s the way companies can truthfully advertise the way they do. This illustrates why drivers should get as many comparisons as possible. It’s just too difficult to predict which insurance company will provide you with the cheapest Saturn VUE insurance rates.

Car insurance is unique, just like you

When it comes to choosing coverage for your vehicles, there isn’t really a cookie cutter policy. Every situation is different.

These are some specific questions could help you determine whether you will benefit from professional help.

  • Will filing a claim cost me more?
  • Should I carry comprehensive and collision coverage?
  • How can I force my company to pay a claim?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Are rental cars covered under my policy?
  • What if I total my 2003 Saturn VUE and owe more than it’s worth?
  • I have health insurance so do I need medical payments coverage?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can help protect your family.

Auto insurance coverage basics

Having a good grasp of your policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive (Other than Collision) – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a bird, fire damage, hail damage, theft and damage from getting keyed. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers – This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your 2003 Saturn VUE.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Auto liability insurance – This coverage can cover damage that occurs to other people or property that is your fault. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like repair bills for other people’s vehicles, attorney fees, repair costs for stationary objects and bail bonds. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage – This coverage pays for damage to your VUE from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like sustaining damage from a pot hole, hitting a mailbox, crashing into a building and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like X-ray expenses, ambulance fees and hospital visits. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Make an honest buck

Cost effective 2003 Saturn VUE insurance can be found both online in addition to many insurance agents, so compare prices from both in order to have the best chance of saving money. Some companies do not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

In this article, we covered many tips how you can reduce insurance prices online. It’s most important to understand that the more times you quote, the higher your chance of finding lower rates. Consumers could even find that the lowest rates come from some of the lesser-known companies.

When trying to cut insurance costs, do not skimp on coverage in order to save money. Too many times, an accident victim reduced full coverage only to discover later that their decision to reduce coverage ended up costing them more. Your goal should be to buy the best coverage you can find at the best price.

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