Lower Your 2002 Saturn VUE Insurance Cost

Having to pay for overpriced car insurance can drain your bank account, especially in this economy. Comparison shopping is free and is an excellent way to slash your bill and have more diposable income. Having so many companies to choose from, it can be hard to find the most affordable provider.

It’s a good habit to compare prices before your policy renews because prices are usually higher with each renewal. Just because you found the best deal for VUE insurance a few years ago other companies may now be cheaper. Ignore everything you know about car insurance because you’re about to learn one of the easiest ways to find great coverage at a great price.

Pricing more affordable auto insurance coverage is simple if you know the tricks. If you are insured now or are just looking to switch companies, you can use these tips to find the best rates while maintaining coverages. Vehicle owners just need to know the best way to compare company rates online.

Comprehensive Insurance Coverage Comparison Quotes

Finding a better price on insurance coverage can be quick and easy. You just need to spend a few minutes on the computer getting comparison quotes from different insurance companies. This can be accomplished in just a few minutes using one of these methods.

  1. The best way to find the lowest comparison rates would be an industry-wide quote request form like this one (opens in new window). This method keeps you from doing separate quotes for every insurance coverage company. One simple form gets rate comparisons from many national carriers.
  2. A more time consuming way to compare prices is to take the time to go to each individual company website to complete a price quote. For examples sake, we’ll pretend you want rates from Allstate, Esurance and Travelers. To find out each rate you need to take the time to go to each site to input your insurance information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.
  3. The most time-consuming method to get comparison rates is to waste gas driving to and from local insurance agencies. The internet has reduced the need for local agents unless you prefer the trained guidance only provided by licensed agents. However, consumers can comparison shop online and still use a local agent. We’ll cover that shortly.

It’s up to you how you get prices quotes, just make absolute certain that you use the exact same coverage information for each price quote. If you enter different values for each quote you will not be able to make an equal comparison.

Don’t miss these discounts

Insurance can cost an arm and a leg, but there are discounts available that can drop the cost substantially. Most are applied when you complete an application, but some must be asked for in order for you to get them. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Air Bag Discount – Factory air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • Accident Forgiveness – Some insurance companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
  • New Vehicle Savings – Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
  • Homeowners Discount – Being a homeowner may earn you a small savings because owning a home is proof that your finances are in order.
  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.

Drivers should understand that most credits do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like it’s possible to get free car insurance, it doesn’t quite work that way. Any qualifying discounts will reduce your premiums.

For a list of providers with the best car insurance discounts, click this link.

When might I need help?

When it comes to buying coverage for your personal vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions might help in determining whether you may require specific advice.

  • Does my insurance cover a custom paint job?
  • Can I get a multi-policy discount?
  • Does my liability insurance cover pulling a trailer or camper?
  • Should I put collision coverage on all my vehicles?
  • How can I force my company to pay a claim?
  • Do I need rental car coverage?
  • Will filing a claim cost me more?
  • Do I need motorclub coverage?
  • Which companies will insure high-risk drivers?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Coverages available on your policy

Understanding the coverages of car insurance helps when choosing the right coverages for your vehicles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages available from car insurance companies.

Uninsured or underinsured coverage

This provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Saturn VUE.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Frequently these limits are set the same as your liablity limits.

Liability auto insurance

This coverage protects you from damage that occurs to other’s property or people. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has 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 means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like court costs, repair bills for other people’s vehicles and emergency aid. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like doctor visits, ambulance fees, EMT expenses, dental work and hospital visits. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like vandalism, fire damage, damage from a tornado or hurricane and hail damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision coverage will pay to fix damage to your VUE from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with another moving vehicle, hitting a parking meter, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Save for a rainy day

We just presented quite a bit of information on how to reduce 2002 Saturn VUE insurance prices online. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the most savings is with an unexpected company. Regional companies often have lower prices on specific markets than the large multi-state companies such as State Farm or Progressive.

The cheapest insurance can be found both online in addition to many insurance agents, so you should compare both to have the best selection. Some car insurance companies do not provide the ability to get a quote online and these small insurance companies work with independent agents.

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