Cheap 2008 Saturn VUE Insurance Cost

Looking for lower insurance rates for your Saturn VUE? Are you overwhelmed by the number of insurance choices? Lot’s of other consumers are too. Drivers have so many options that it can turn into a real hassle to find the perfect company for you.

You should take the time to take a look at other company’s rates at least once a year due to the fact that insurance rates go up and down regularly. Even if you think you had the best rates for VUE coverage a year ago you can probably find a lower rate today. There is a lot of wrong information about insurance online but with this article, you’re going to get some proven techniques to find affordable insurance.

Finding the best rates is not rocket science. If you currently have car insurance, you will most likely be able to cut costs considerably using this strategy. Although car owners need to have an understanding of the way insurance companies determine prices.

Cut your premium with discounts

Car insurance companies don’t always list every discount very well, so we took the time to find some of the best known and the harder-to-find ways to save on auto insurance.

  • Senior Citizens – If you’re over the age of 55, you may be able to get reduced rates for VUE coverage.
  • Sign Online – A handful of insurance companies may give you up to $50 just for signing your application digitally online.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Saturn could qualify for discounted rates on garaged vehicles.
  • Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course in school.
  • Resident Student – Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less for VUE coverage than drivers with accidents.
  • Good Students Pay Less – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you up to age 25.

It’s important to understand that most discount credits are not given the the whole policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like all the discounts add up to a free policy, you’re out of luck.

Companies that may offer these benefits include:

Double check with every prospective company which discounts you may be entitled to. Savings might not be offered in your state.

These factors can influence what you pay for Saturn VUE insurance

An important part of buying insurance is that you know the different types of things that play a part in calculating the rates you pay for auto insurance. Knowing what controls the rates you pay helps enable you to make changes that could result in much lower annual insurance costs.

Shown below are some of the items that factor into premiums.

  • Your location is important – Living in small towns and rural areas can save you money when talking about auto insurance. Drivers who live in large cities tend to have traffic congestion and much longer commute distances. Lower population means reduced accidents as well as less vandalism and auto theft.
  • Rates may be higher depending on your occupation – Careers like lawyers, architects and financial analysts tend to pay higher average rates because of stressful work requirements and lots of time spent at work. Conversely, jobs such as farmers, engineers and the unemployed have the lowest average rates for VUE coverage.
  • Men fork out a little more – Statistics show women tend to be less risk to insure than men. However, don’t assume that men are WORSE drivers than women. Men and women are in accidents in similar percentages, but men cause more damage and cost insurance companies more money. Men also get cited for more serious violations such as reckless driving.
  • Lower rates with optional equipment – Owning a car with anti-theft technology or alarm system can help bring down rates. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent auto theft.
  • Bad driving skills means higher rates – Your driving record impacts your car insurance rates tremendously. Even a single citation may increase your cost by twenty percent. Drivers with clean records tend to pay less for car insurance than people who have multiple driving citations. Drivers who get severe violations like hit and run, DWI or reckless driving convictions may be required to file a SR-22 with the DMV in their state in order to drive a vehicle legally.
  • Liability coverage is cheap – Liability insurance is the protection if a jury decides you are liable for causing damage or personal injury in an accident. Liability provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.
  • Extra add-on coverages are wasting money – There are many extra bells and whistles you can purchase when buying auto insurance. Things like roadside assistance, better glass coverage and additional equipment coverage are some examples. They may seem good initially, but now you might not need them so remove them from your policy.

What is the best insurance coverage?

When it comes to buying the right insurance coverage, there isn’t really a one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining whether your personal situation will benefit from professional help.

  • Am I covered if I wreck a rental car?
  • Does insurance cover tools stolen from my truck?
  • If I drive on a suspended license am I covered?
  • Am I missing any policy discounts?
  • Do I need special endorsements for business use of my vehicle?
  • Are split liability limits better than a combined single limit?
  • Do I have coverage when making deliveries for my home business?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form.

The fine print in car insurance ads

Companies like State Farm, Geico and Progressive consistently run ads in print and on television. All the ads make an identical promise of big savings if you change your policy. How do they all make almost identical claims? This is how they do it.

Insurance companies are able to cherry pick for the type of driver that earns them a profit. For example, a driver they prefer could be over the age of 50, owns a home, and drives newer vehicles. Any driver that hits that “sweet spot” gets the lowest rates and as a result will probably save when switching.

Consumers who are not a match for these standards must pay higher rates and ends up with the customer not buying. The ads state “customers that switch” not “everybody who quotes” save that kind of money. That is how companies can make those claims. This illustrates why it is so important to quote coverage with many companies. It’s just too difficult to predict the company that will give you the biggest savings on Saturn VUE insurance.

Auto insurance coverage specifics

Learning about specific coverages of a auto insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Uninsured or underinsured coverage – This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability 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.

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

Collision coverage pays for things such as backing into a parked car, scraping a guard rail, colliding with another moving vehicle and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as EMT expenses, prosthetic devices and dental work. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. It covers all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability car insurance – This will cover damage or injury you incur to people or other property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for 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 liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims like medical services, 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 higher limits if possible.

Comprehensive protection – This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, a broken windshield, hail damage, theft and fire damage. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Affordable insurance is out there

People who switch companies do it for any number of reasons including not issuing a premium refund, policy non-renewal, extreme rates for teen drivers or delays in responding to claim requests. Regardless of your reason for switching companies, finding a great new company is not as difficult as it may seem.

As you shop your coverage around, never reduce coverage to reduce premium. There have been many situations where an insured dropped full coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy a smart amount of coverage at the best price.

Affordable 2008 Saturn VUE insurance is available both online and also from your neighborhood agents, and you should be comparing both to have the best rate selection. Some car insurance companies may not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

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