2009 Saturn VUE Insurance Quotes – 5 Discounts for Cheapest Rates

Are you a victim of an underperforming, overpriced insurance policy? Trust us, you’re not alone.

You have multiple insurers to purchase coverage from, and although it’s nice to have multiple companies, having more car insurance companies makes it harder to find the lowest cost provider.

Finding affordable coverage is not that difficult. Basically, everyone who has to buy insurance coverage will most likely be able to find lower rates. Nevertheless, consumers benefit from understanding the way insurance companies sell online because it can help you find the best coverage.

Do you qualify for a discount?

Companies don’t always list all their discounts in a way that’s easy to find, so the following is a list of some of the best known as well as the least known savings tricks you should be using.

  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
  • Drive Less and Save – Fewer annual miles on your Saturn could be rewarded with better rates on cars that stay parked.
  • Defensive Driver – Completing a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • Government Employees – Employees or retirees of the government could cut as much as 10% off on VUE coverage with select insurance companies.

A little note about advertised discounts, some credits don’t apply to the entire policy premium. Some only reduce the price of certain insurance coverages like comp or med pay. Just because it seems like you can get free auto insurance, car insurance companies aren’t that generous.

To see a list of insurers with discount car insurance rates, click here.

Drivers who switch save $479 a year? Really?

Companies like Allstate and Progressive continually stream ads in print and on television. All the ads make the same claim that you can save after switching your policy. How does each company claim to save you money? It’s all in the numbers.

All companies have a preferred profile for the right customer that makes them money. For example, a profitable customer could possibly be over the age of 40, has no driving citations, and drives less than 10,000 miles a year. Any new insured that hits that “sweet spot” will get the preferred rates and therefore will cut their rates substantially.

Drivers who don’t meet this ideal profile must pay higher rates which usually ends up with business not being written. Company advertisements say “drivers who switch” not “everybody who quotes” save that kind of money. That’s the way companies can truthfully advertise the savings. This illustrates why it’s extremely important to get quotes from several different companies. Because you never know the company that will provide you with the cheapest Saturn VUE insurance rates.

What coverages do I need?

When choosing coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions can aid in determining if your insurance needs could use an agent’s help.

  • Are rental cars covered under my policy?
  • When should I not file a claim?
  • Am I covered by my spouse’s policy after a separation?
  • Am I better off with higher deductibles on my 2009 Saturn VUE?
  • Does my policy cover me when driving someone else’s vehicle?
  • Who is covered by my policy?
  • Are my friends covered when driving my car?
  • Which companies will insure high-risk drivers?

If you don’t know the answers to these questions then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area.

Car insurance coverage information

Having a good grasp of your auto insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average auto insurance policy.

Comprehensive auto insurance – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as fire damage, hail damage, theft and rock chips in glass. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical expenses – Coverage for medical payments and/or PIP kick in for immediate expenses for things like doctor visits, pain medications and ambulance fees. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability insurance – Liability insurance can cover damage that occurs to other people or property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers things like court costs, repair costs for stationary objects and emergency aid. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Collision coverages – This coverage pays for damage to your VUE resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like driving through your garage door, backing into a parked car and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Saturn VUE.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage on a shoestring budget

Lower-priced 2009 Saturn VUE insurance is attainable online and with local insurance agents, so you should compare both to get a complete price analysis. A few companies do not offer online price quotes and these small insurance companies work with independent agents.

In this article, we presented a lot of tips how to shop for insurance online. The key concept to understand is the more providers you compare, the better chance you’ll have of finding lower rates. Drivers may discover the most savings is with some of the smallest insurance companies. Some small companies can often provide lower rates in certain areas compared to the large companies like State Farm, Geico and Nationwide.

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