2006 Saturn VUE Car Insurance Rates

Feel like you’re a prisoner to an overpriced car insurance policy? Trust us, there are many consumers feeling the pinch from expensive car insurance. Drivers have multiple insurers to insure vehicles with, and though it is a good thing to have a selection, too many choices makes it more difficult to compare rates.

Finding Car Insurance Deals

Most major insurance companies give prices on the web. Getting online rates is fairly straightforward as you just type in the coverage amounts you desire into a form. When the form is submitted, their rating system sends out for your driving and credit reports and returns a price based on these factors. Quoting online streamlines rate comparisons, but the time it takes to visit each company’s website and repetitively fill out multiple forms can be a bit repetitive. But it is imperative to perform this step if you want to find lower prices.

There is an easier way!

The easiest way to lower your car insurance bill utilizes a single form to return rates from several companies at one time. This type of form saves time, eliminates repetitive work, and makes quoting online much simpler. Immediately after you send the form, it gets priced and you are able to buy any of the resulting price quotes.

If a lower price is quoted, it’s easy to complete the application and buy the new coverage. The entire process only takes a few minutes and can result in significant savings.

To use this form to compare rates, click here and enter your vehicle and coverage information. If you have your current policy handy, we recommend you replicate coverages and limits as close as possible to your current policy. This way, you will have rate quotes for similar insurance coverage.

Do you qualify for discounts?

Insuring your vehicles can cost a lot, but there could be available discounts that you may not even be aware of. Certain discounts will be applied at the time of purchase, but a few need to be requested specifically before being credited. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Discount for New Cars – Putting insurance coverage on a new car is cheaper compared to insuring an older model.
  • Government Employees – Employees or retirees of the government can earn a discount up to 10% on VUE insurance with a few auto insurance companies.
  • Safety Course Discount – Taking part in a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Passive Restraint Discount – Factory air bags or motorized seat belts can get savings of 20% or more.

Keep in mind that some of the credits will not apply to the entire cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, companies don’t profit that way. But any discount will bring down the cost of coverage.

Companies who might offer these discounts may include but are not limited to:

Check with every prospective company how you can save money. Savings may not apply in every state.

Don’t assume everyone needs the same coverage

When it comes to choosing coverage, there really is not a single plan that fits everyone. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining if your insurance needs might need an agent’s assistance.

  • Do I need motorclub coverage?
  • When can I cancel my policy?
  • Does car insurance cover theft of personal property?
  • Do I really need UM/UIM coverage?
  • Is a fancy paint job covered?
  • What discounts do I qualify for?

If you can’t answer these 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, complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Lesser-known factors impacting Saturn VUE insurance rates

Consumers need to have an understanding of the rating factors that help determine the rates you pay for insurance coverage. Knowing what determines base rates helps enable you to make changes that will entitle you to better insurance coverage rates.

  • Always keep insurance in force – Letting your insurance expire is a fast way to pay more for insurance coverage. Not only will you pay more, failure to provide proof of insurance can result in a hefty fine and possibly a revoked license.
  • Mature drivers pay less – More mature drivers tend to be more responsible, tend to file fewer claims and tend to be better behind the wheel. Teen drivers are known to be less responsible when driving and because of this, their insurance coverage rates are much higher.
  • Do you have a high stress job? – Occupations like lawyers, architects and stock brokers tend to have the highest rates attributed to high stress and lengthy work days. On the other hand, jobs such as pilots, students and retirees receive lower rates on VUE insurance.
  • Choose a safe vehicle and save – Cars with high safety ratings can get you lower premiums. Safe vehicles have better occupant injury protection and lower injury rates translates into savings for insurance companies and more competitive rates for policyholders. If your Saturn VUE has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Lower deductibles cost more – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Saturn from damage. Some examples of claims that would be covered are a windshield shattered by a rock, collision with an animal, or theft. Your deductibles are the amount of money you are willing to pay out-of-pocket in the event of a claim. The more expense the insured has to pay upfront, the bigger discount you will receive on VUE insurance.
  • Equipment add-ons that lower insurance coverage rates – Choosing a vehicle with a theft deterrent system can help lower your rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.

Information about specific coverages

Knowing the specifics of a auto insurance policy can help you determine the best coverages and proper limits and deductibles. Auto insurance terms can be difficult to understand and coverage can change by endorsement. These are typical coverages offered by auto insurance companies.

Liability coverages

This coverage provides protection from damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you from claims by other people, and doesn’t 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 values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as bail bonds, attorney fees and medical services. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like surgery, funeral costs and X-ray expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Saturn VUE.

Due to the fact that many 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 is important protection for you and your family. Usually these limits do not exceed the liability coverage limits.

Comprehensive coverages

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

Comprehensive insurance covers claims like damage from flooding, a tree branch falling on your vehicle and damage from a tornado or hurricane. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as backing into a parked car, colliding with another moving vehicle, scraping a guard rail, crashing into a building and colliding with a tree. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Take this to the bank

Cheaper 2006 Saturn VUE insurance is definitely available both online and also from your neighborhood agents, and you need to comparison shop both to get a complete price analysis. There are still a few companies who may not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

You just read many ways to get a better price on insurance. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. You may be surprised to find that the best price on insurance coverage is with the least-expected company. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like Allstate, Geico and Progressive.

Additional information can be read on the following sites: