2005 Saturn VUE Insurance Quotes

Looking for cheaper insurance rates for your Saturn VUE? No one likes having to buy insurance, particularly when they are paying too much.

Consumers have many car insurance companies to buy insurance from, and although it’s a good thing to be able to choose, it makes it harder to compare rates and find the lowest cost insurance.

Pricing the lowest cost insurance coverage coverage is quite easy. Basically, anyone who carries insurance coverage should be able to reduce their rates. Nevertheless, vehicle owners do need to understand how the larger insurance companies sell insurance online because it can help you find the best coverage.

Saturn VUE insurance premiums are calculated by many factors

An important part of buying insurance is that you know the factors that go into determining insurance rates. Knowing what determines base rates enables informed choices that could result in much lower annual insurance costs.

  • How your age affects price – Young drivers are known to be careless and easily distracted when behind the wheel so insurance rates are higher. Older insureds are more cautious drivers, file fewer claims and receive fewer citations.
  • Don’t cancel a policy without a new one in place – Letting your insurance expire is a sure-fire way to increase your insurance rates. Not only will rates go up, but not being able to provide proof of insurance may earn you a steep fine or even jail time.Then you may be required to file a SR-22 with your state motor vehicle department.
  • Are you male or female? – Statistics have proven women are more cautious behind the wheel. That doesn’t necessarily mean that men are worse drivers. Both sexes have accidents in similar percentages, but the male of the species cause more damage. Men also tend to have more aggressive citations such as DWI and reckless driving. Young males are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Liability insurance protects assets – The liability section of your policy is the protection in the event that you are found to be at fault for damages from an accident. Liability provides legal defense starting from day one. Liability is cheap compared to insuring for physical damage coverage, so do not skimp.

Don’t miss out on these money-saving discounts

Car insurance is not cheap, but discounts can save money and there are some available that you may not know about. Certain discounts will be triggered automatically at the time you complete a quote, but lesser-known reductions have to be manually applied before you get the savings.

  • Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • Student in College – Children who live away from home and do not have a car can receive lower rates.
  • Service Members Pay Less – Having a deployed family member can result in better rates.
  • Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts could save 15% off your medical payments premium.
  • Own a Home – Owning a house may earn you a small savings because maintaining a house requires personal responsibility.
  • Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates on VUE coverage than drivers with accidents.
  • Senior Citizens – Older drivers may qualify for a discount up to 10% on VUE coverage.

It’s important to note that most discounts do not apply the the whole policy. A few only apply to the price of certain insurance coverages like comprehensive or collision. Just because it seems like it’s possible to get free car insurance, car insurance companies aren’t that generous. But any discount will reduce the amount you have to pay.

To see a list of insurers who offer car insurance discounts, follow this link.

Do you really save 40% when you switch?

Car insurance companies such as Allstate, Geico and Progressive constantly bombard you with television and radio advertisements. They all seem to say the same thing about savings if you switch to their company. But how can every company say the same thing?

All the different companies are able to cherry pick for the driver that makes them money. For example, a preferred risk might be between the ages of 40 and 55, owns a home, and drives less than 10,000 miles a year. A customer who fits that profile will get very good rates and is almost guaranteed to save when switching.

Drivers who don’t meet these standards must pay higher rates and this can result in business not being written. The ads say “people who switch” but not “drivers who get quotes” save that much. That’s the way insurance companies can confidently make the claims of big savings.

This illustrates why it is so important to compare many company’s rates. It is impossible to predict which insurance companies will fit your personal profile best.

Do I need special coverages?

When it comes to buying the best insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions may help highlight if you will benefit from professional help.

  • Am I covered when delivering products for my home-based business?
  • What is the ISO rating for a 2005 Saturn VUE?
  • Am I covered when driving someone else’s vehicle?
  • Should I buy more coverage than the required minimum liability coverage?
  • Should I waive the damage coverage when renting a car?
  • Should I have a commercial auto policy?

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 agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Insurance coverages 101

Understanding the coverages of insurance helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Below you’ll find the normal coverages offered by insurance companies.

Liability insurance

This will cover damage that occurs to other people or property in an accident. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like repair bills for other people’s vehicles, court costs and medical services. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these limits are identical to your policy’s liability coverage.

Coverage for collisions

This coverage covers damage to your VUE resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like backing into a parked car, sideswiping another vehicle, colliding with another moving vehicle and crashing into a ditch. 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 choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a bird, hail damage, rock chips in glass, theft and hitting a deer. The most a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as doctor visits, prosthetic devices, dental work and nursing services. They are often utilized in addition to your health insurance program or if you do not have health coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

At the end of the day…

In this article, we covered many tips how you can lower your 2005 Saturn VUE insurance rates. The key concept to understand is the more rate quotes you have, the higher your chance of finding lower rates. Consumers could even find that the biggest savings come from the smaller companies. Some small companies may only write in your state and offer lower rates as compared to the big name companies such as Progressive and Geico.

Cost effective insurance can be found online and also from your neighborhood agents, so compare prices from both to have the best selection. A few companies may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

Additional detailed information can be found in the articles below: