Cheap 2007 Saturn VUE Insurance Quotes

Looking for cheaper insurance rates? Shoppers have options when shopping for affordable Saturn VUE insurance. They can either waste time calling around to compare prices or leverage the internet to get rate quotes. There are more efficient ways to compare insurance rates and we’ll show you the proper way to quote coverages for a Saturn and get the best price possible from both online companies and local agents.

If you have a policy now or are shopping for new coverage, you can use these tips to cut your premiums and possibly find even better coverage. The purpose of this article is to help educate you on how car insurance quotes work and some tricks to saving. Consumers only need an understanding of the proper methods to get comparison rates on the web.

Your Saturn VUE insurance rate is a complex equation

It’s important that you understand the different types of things that go into determining car insurance rates. Understanding what determines base rates empowers consumers to make smart changes that will entitle you to big savings.

Listed below are some of the items used by your company to calculate prices.

  • Your spouse saves you money – Being married helps lower the price on car insurance. Having a significant other is viewed as being more responsible and statistics show being married results in fewer claims.
  • Lower rates with optional equipment – Purchasing a vehicle with a theft deterrent system can help bring down rates. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft.
  • Frequent car insurance claims increase rates – If you are a frequent claim filer, you can look forward to either a policy non-renewal or much higher rates. Insurance companies generally give discounts to policyholders who are claim-free. Auto insurance is meant to be used in the event of larger claims.
  • Add-on coverages can add up – There are a lot of extra coverages that you can get tricked into buying when buying car insurance. Insurance for personal injury protection, accidental death and motor club memberships may be wasting your money. These may sound like a good investment at first, but if you don’t need them eliminate the coverages to reduce your premium.

You probably qualify for some discounts

Companies do not advertise all available discounts very well, so here is a list both well-publicized and the harder-to-find car insurance savings. If you don’t get every credit available, you are paying more than you should be.

  • Save with a New Car – Insuring a new car is cheaper due to better safety requirements for new cars.
  • Defensive Driving Course – Taking a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • Accident Free – Drivers with accident-free driving histories can save substantially as compared to frequent claim filers.
  • Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course in school.
  • E-sign – A few companies may give you up to $50 just for signing your application digitally online.
  • Bundle and Save – When you have multiple policies with one insurance company you may earn at least 10% off all policies.
  • Discount for Good Grades – This discount can save 20 to 25%. The good student discount can last up to age 25.
  • Anti-theft System – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Drive Safe and Save – Insureds without accidents may save up to 50% more for VUE insurance than drivers with accidents.
  • Payment Discounts – If you pay your bill all at once instead of making monthly payments you could save up to 5%.

It’s important to understand that most discount credits are not given to your bottom line cost. Most only cut specific coverage prices like physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, you’re out of luck.

A partial list of companies that may offer these money-saving discounts include:

It’s a good idea to ask each insurance company how you can save money. Discounts might not be offered everywhere.

Are you falling for claims of savings?

Consumers constantly see and hear ads that promise big savings by companies like State Farm, Allstate and Geico. All the ads make an identical promise of big savings if you change to them.

How can each company make the same claim? This is how they do it.

Insurance companies have a certain “appetite” for the driver that earns them a profit. An example of a preferred risk could possibly be between 30 and 50, has no tickets, and has great credit. Any new insured who matches those parameters gets the lowest rates and most likely will pay quite a bit less when switching companies.

Potential customers who do not match the “perfect” profile will be quoted higher premiums and ends up with business not being written. The ads say “customers who switch” but not “drivers who get quotes” save that much money. This is how insurance companies can confidently advertise the savings. This emphasizes why you need to get quotes from several different companies. It’s impossible to know which insurance coverage company will have the lowest Saturn VUE insurance rates.

There’s no such thing as the perfect policy

When it comes to choosing coverage for your vehicles, there really is not a one size fits all plan. Every insured’s situation is different.

These are some specific questions may help highlight if your situation might need an agent’s assistance.

  • Are my friends covered when driving my 2007 Saturn VUE?
  • Does my insurance cover my expensive audio equipment?
  • Which companies will insure high-risk drivers?
  • Can my teen drive my company car?
  • Do I have coverage when making deliveries for my home business?
  • How does medical payments coverage work?
  • Should I file a claim if it’s only slightly more than my deductible?
  • What is the rate difference between pleasure use and commuting?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • At what point should I drop full coverage?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form. It is quick, free and may give you better protection.

Information about specific coverages

Knowing the specifics of your car insurance policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers – This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Saturn VUE.

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

Auto liability – Liability coverage will cover injuries or damage you cause to a person or their property in an accident. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as attorney fees, medical expenses, court costs and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Collision – Collision coverage will pay to fix damage to your VUE resulting from a collision 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 pays for things like hitting a mailbox, sideswiping another vehicle, crashing into a ditch, rolling your car and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like surgery, nursing services, doctor visits, pain medications and hospital visits. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive car insurance – This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a broken windshield, a tree branch falling on your vehicle, hitting a bird and damage from getting keyed. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

And the best car insurance company is…

Throughout this article, we presented quite a bit of information on how to save on 2007 Saturn VUE insurance. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Consumers could even find that the lowest rates come from the least-expected company.

Insureds change insurance companies for a number of reasons such as delays in responding to claim requests, high prices, an unsatisfactory settlement offer or denial of a claim. Whatever your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

While you’re price shopping online, don’t be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where an accident victim reduced comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. The proper strategy is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

Even more information is available in these articles: