2009 Saturn VUE Car Insurance Quotes

Tired of trying to scrape together enough money to buy car insurance? You are in the same boat as the majority of other car owners. Because you have many different company options, it’s difficult to pick the most cost effective company.

Vehicle Insurance Comparison

All major insurance companies quote pricing directly from their websites. This process is fairly simple as you just type in the coverage amounts you desire into a form. When complete, the system collects reports for credit and driving violations and gives you a price quote determined by many factors. Being able to quote online simplifies rate comparisons, but having to visit many different websites and complete many quote forms can be a bit tiresome and repetitive. But it is imperative to do this if you are searching for the lowest possible prices on insurance.

Isn’t there an easier way to compare rates?

The preferred way to find better insurance pricing makes use of a single form that analyzes rates from multiple companies. It’s a real time-saver, reduces the work, and makes comparison shopping much easier to do. Immediately after you send the form, it gets priced and you are able to buy your choice of the pricing results.

If you find a better price it’s easy to complete the application and purchase the new policy. It just takes a couple of minutes and may result in a nice savings.

To quickly compare pricing, click here to open in a new tab and input your coverage information. If you have a policy now, it’s recommended you input coverages and limits exactly as shown on your declarations page. This makes sure you will have rate comparison quotes based on the exact same insurance coverage.

Discounts are great for lower rates

The cost of insuring your cars can be expensive, but there are discounts available to reduce the price significantly. Some discounts apply automatically at quote time, but some must be inquired about before you will receive the discount. If you’re not getting every credit you deserve, you are throwing money away.

  • Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on VUE coverage than their less cautious counterparts.
  • Discount for Life Insurance – Companies who offer life insurance give better rates if you take out life insurance.
  • Drivers Ed for Students – Require your teen driver to enroll in driver’s education in school.
  • Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • New Car Discount – Insuring a new car is cheaper compared to insuring an older model.
  • Multi-policy Discount – When you combine your home and auto insurance with one company you may earn 10% to 20% off each policy.
  • Low Mileage – Fewer annual miles on your Saturn could be rewarded with discounted rates on garaged vehicles.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more off your medical payments premium.

It’s important to understand that most discounts do not apply to the entire cost. Most only cut individual premiums such as liability, collision or medical payments. So even though they make it sound like you could get a free insurance coverage policy, companies wouldn’t make money that way. But all discounts will cut your premiums.

A partial list of companies that may have some of the above discounts are:

Check with each company what discounts are available to you. All car insurance discounts may not be available in every state.

You may need specialized coverage

When buying proper insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that These are some specific questions could help you determine whether your personal situation might need an agent’s assistance.

  • What is PIP insurance?
  • Is a blown tire covered by insurance?
  • If I drive on a suspended license am I covered?
  • Do I need special endorsements for business use of my vehicle?
  • Is other people’s property covered if stolen from my vehicle?
  • Are rental cars covered under my policy?
  • Is business equipment covered while in my vehicle?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Insurance coverage specifics

Knowing the specifics of your policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverages found on most insurance policies.

Collision coverage protection

This coverage covers damage to your VUE resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like sideswiping another vehicle, colliding with another moving vehicle, crashing into a building and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for immediate expenses like rehabilitation expenses, X-ray expenses, pain medications, hospital visits and dental work. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Liability

This coverage can cover damages or injuries you inflict on other people or property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Another option is a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as bail bonds, emergency aid, funeral expenses and loss of income. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Saturn VUE.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive insurance

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, hitting a deer and fire damage. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.