2006 Saturn VUE Insurance Cost

Want better insurance coverage rates for your Saturn VUE? Paying for high-priced Saturn VUE insurance can dwindle your personal savings and force you to make sacrifices. Comparison shopping is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away.

Big companies like Progressive, State Farm and Geico constantly bombard you with fancy advertisements and consumers find it hard to separate fact from fiction and do the work needed to find the best deal.

You should take the time to get comparison quotes every six months because rates fluctuate regularly. Just because you had the lowest price for VUE insurance six months ago you may be paying too much now. You can find a lot of misleading information regarding insurance coverage on the web, but I’m going to show you some great ways to slash your insurance coverage rates.

If you are paying for car insurance now, you should be able to save some money using this strategy. Finding the best rates is quite easy. Nevertheless, vehicle owners must comprehend how the larger insurance companies price online insurance and use this information to your advantage.

Finding Insurance Coverage

All major insurance coverage companies like State Farm, Allstate and Geico give prices for coverage on the web. Obtaining pricing is fairly straightforward as you just enter the coverage amounts you desire into a form. After the form is submitted, the company’s rating system automatically retrieves your driving record and credit report and gives you a price quote determined by many factors. Online quotes makes comparing rates easy, but the process of having to visit several different sites and type in the same information is not the best way to spend an afternoon. But it’s absolutely necessary to perform this step if you want to find the lowest price.

An easier way to compare insurance coverage pricing uses one form that gets prices from multiple companies. This type of form saves time, eliminates form submissions, and makes comparison shopping much more efficient. As soon as the form is sent, it is rated with multiple companies and you can pick your choice of the quote results.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the policy. The entire process only takes a few minutes and may result in a nice savings.

To find out if lower rates are available, click here to open in a new tab and begin entering your coverage information. If you currently have coverage, we recommend you enter your coverages exactly as they are listed on your policy. Doing this assures you’re receiving a price comparison for similar coverage.

Companies offer discounts so take them!

Insurance can cost an arm and a leg, but you may find discounts that many people don’t even know exist. Some discounts apply automatically when you quote, but some may not be applied and must be manually applied before they will apply.

  • Use Seat Belts – Drivers who require all occupants to use a seat belt could cut 10% or more off the personal injury premium cost.
  • 55 and Retired – If you’re over the age of 55, you may be able to get a discount up to 10% for VUE insurance.
  • One Accident Forgiven – A few companies will allow you to have one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags can get savings of 20% or more.
  • No Claims – Drivers with accident-free driving histories can save substantially when compared with accident-prone drivers.
  • Own a Home – Owning a house can help you save on car insurance because maintaining a house demonstrates responsibility.
  • Anti-theft System – Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.

A little note about advertised discounts, most credits do not apply the the whole policy. Some only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like all those discounts means the company will pay you, it just doesn’t work that way. Any qualifying discounts will reduce your premiums.

To see a list of providers offering car insurance discounts, follow this link.

Factors that can influence Saturn VUE insurance rates

Consumers need to have an understanding of the rating factors that play a part in calculating the price you pay for auto insurance. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that could result in lower auto insurance prices.

Shown below are a partial list of the pieces used by your company to calculate premiums.

  • Teen drivers pay high rates – Youthful drivers have a tendency to be less responsible when behind the wheel so they pay higher auto insurance rates. Older insureds tend to be more responsible, statistically cause fewer accidents and are safer drivers.
  • Protect yourself with liability coverage – Liability insurance will protect you if you are found to be at fault for damages from an accident. It provides legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.
  • Where do you drive? – The more miles you rack up on your Saturn in a year the more you’ll pay to insure your vehicle. The majority of insurers apply a rate based upon how you use the vehicle. Autos not used for work or commuting qualify for better rates compared to those used for work or business. Ask your agent if your auto insurance policy shows how each vehicle is driven. Incorrect usage on your VUE may be wasting your money.
  • Traffic citations inflate rates – Only having one speeding ticket can increase rates twenty percent or more. Good drivers tend to pay less for car insurance than bad drivers. Drivers with serious tickets such as DWI, reckless driving or hit and run convictions are required to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
  • Don’t buy coverages you don’t need – There are quite a few add-on coverages you can purchase if you aren’t careful. Coverages for rental car reimbursement, better glass coverage and motor club memberships are examples of these. They may seem good when talking to your agent, but if you don’t need them eliminate them to save money.
  • Keep rates low by being claim-free – If you tend to file frequent claims, you can pretty much guarantee higher rates. Insurance companies provide lower rates to insureds who are claim-free. Insurance coverage is meant to be used in the event of the large, substantial claims.
  • Safer cars cost less to insure – Cars with high safety ratings get lower rates. Safer cars result in less severe injuries and better occupant protection translates into savings for insurance companies and lower rates for you. If your Saturn VUE has ratings of a minimum four stars on Safercar.gov it is probably cheaper to insure.

Do I just need basic coverages?

When it comes to buying proper insurance coverage, there really is not a “perfect” insurance plan. Each situation is unique so your insurance should reflect that For instance, these questions might point out if you could use an agent’s help.

  • When should I buy a commercial auto policy?
  • Is a blown tire covered by insurance?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my 2006 Saturn VUE qualify for pleasure use?
  • What is the minimum liability in my state?
  • Is my state a no-fault state?
  • Is rental equipment covered for theft or damage?
  • Does my personal policy cover me when driving out-of-state?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered if I wreck a rental car?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Can switching companies really save?

Insurance companies such as State Farm, Allstate and Geico regularly use ads on television and other media. They all seem to say the same thing about savings if you move your policy. How do they all claim to save you money? This is how they do it.

All companies are able to cherry pick for the driver they prefer to insure. For instance, a driver they prefer might be between the ages of 40 and 55, has no driving citations, and has excellent credit. A propective insured who matches those parameters receives the best rates and is almost guaranteed to cut their rates substantially.

Drivers who don’t qualify for this ideal profile must pay a higher premium which leads to the driver buying from a lower-cost company. The ads state “people who switch” not “everyone that quotes” save that much money. That’s the way companies can truthfully make the claims of big savings.

This illustrates why you need to get as many quotes as possible. It is impossible to predict which insurance company will fit your personal profile best.

Coverages available on your policy

Understanding the coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are the normal coverages offered by insurance companies.

Collision protection

Collision insurance pays for damage to your VUE caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like scraping a guard rail, hitting a mailbox, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability insurance

This coverage will cover damage or injury you incur to other’s property or people. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like pain and suffering, bail bonds, repair costs for stationary objects and emergency aid. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for bills for things like hospital visits, pain medications, surgery and dental work. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2006 Saturn VUE.

Due to the fact that many drivers only purchase the least amount of liability that is required, 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. Frequently these coverages are set the same as your liablity limits.

Comprehensive insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as falling objects, hitting a bird, damage from getting keyed and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Have the Midas touch

Cheaper 2006 Saturn VUE insurance is attainable both online as well as from independent agents, and you need to comparison shop both to have the best rate selection. Some insurance companies don’t offer online quoting and many times these regional insurance providers only sell through independent insurance agents.

As you prepare to switch companies, do not sacrifice coverage to reduce premiums. In many cases, an insured cut liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. The aim is to purchase plenty of coverage for the lowest price, not the least amount of coverage.

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