Lower Your 2004 Saturn VUE Insurance Quotes

Purchasing cheap insurance coverage over the internet can seem to be somewhat difficult for consumers not familiar with online price comaprisons. When there are so many companies competing online, how can drivers possibly compare every company to locate the best available rates?

Lesser-known factors impacting Saturn VUE insurance rates

Consumers need to have an understanding of the rating factors that play a part in calculating auto insurance rates. Knowing what influences your rates empowers consumers to make smart changes that could result in lower auto insurance prices.

Shown below are some of the items used by your company to calculate premiums.

  • Rates may be higher depending on your occupation – Occupations like real estate brokers, executives and accountants have higher rates than average in part from high stress and lots of time spent at work. On the flip side, jobs such as farmers, athletes and the unemployed get better rates on VUE insurance.
  • More claims means more premium – Car insurance companies provide lower rates to policyholders who do not rely on their insurance for small claims. If you frequently file small claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance coverage is designed for larger claims.
  • Your spouse saves you money – Getting married helps lower the price on auto insurance. Marriage means you’re more mature and it’s statistically proven that drivers who are married are more cautious.
  • Men fork out a little more – Statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that men are worse drivers. Both sexes cause accidents in similar numbers, but the males cause more damage. They also get more serious tickets such as DWI and reckless driving. Young males are several times more likely to be in an accident and thus pay the highest rates.

Cut your auto insurance rates with discounts

The cost of insuring your cars can be expensive, buy you may qualify for discounts to help bring down the price. Larger premium reductions will be automatically applied at the time of purchase, but a few need to be specially asked for before they will apply.

  • Good Student Discount – Performing well in school can earn a discount of 20% or more. The discount lasts up until you turn 25.
  • Life Insurance – Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • Military Discounts – Being on active duty in the military could mean lower rates.
  • Paperwork-free – A few companies will give a small break for buying your policy on their website.
  • Club Memberships – Affiliation with a qualifying organization could qualify you for a break when shopping for auto insurance on VUE insurance.

As a disclaimer on discounts, most discount credits are not given the the whole policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, it just doesn’t work that way. But any discount will help reduce your overall premium however.

A partial list of companies that may offer some of the above discounts include:

Check with all companies you are considering how you can save money. Some discounts might not apply everywhere.

You are unique and your insurance should be too

When buying coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.

For instance, these questions could help you determine whether or not you will benefit from professional help.

  • Does insurance cover tools stolen from my truck?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I need added coverage for expensive stereo equipment?
  • Should I put collision coverage on all my vehicles?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does coverage extend to my business vehicle?
  • How can I get high-risk coverage after a DUI?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form.

Insurance coverage options for a 2004 Saturn VUE

Learning about specific coverages of your insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Most of the time these limits are identical to your policy’s liability coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills like EMT expenses, ambulance fees, hospital visits, rehabilitation expenses and doctor visits. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Auto collision coverage

This will pay to fix damage to your VUE resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a mailbox, damaging your car on a curb and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like fire damage, falling objects, a tree branch falling on your vehicle, hail damage and theft. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Auto liability

This coverage protects you from damage that occurs to other people or property in an accident. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like bail bonds, pain and suffering, funeral expenses and loss of income. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Don’t break the bank

When buying insurance coverage, do not reduce needed coverages to save money. In many instances, someone dropped liability limits or collision coverage and found out when filing a claim that they should have had better coverage. Your focus should be to get the best coverage possible for the lowest price while not skimping on critical coverages.

We just presented a lot of ways to shop for 2004 Saturn VUE insurance online. The key thing to remember is the more quotes you get, the better your comparison will be. Drivers may discover the biggest savings come from a small mutual company.

Cost effective insurance can be purchased from both online companies and with local insurance agents, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who do not offer online price quotes and these smaller companies work with independent agents.

Additional information is available at the links below