How Much Does 2009 Saturn VUE Hybrid Insurance Cost?

Overpriced Saturn VUE Hybrid insurance can dwindle your savings account and make it hard to pay other bills. Doing a price comparison is a great way to help make ends meet. You have multiple insurers to pick from, and though it is a good thing to have a choice, so many choices can make it hard to find the lowest cost provider.

Saturn VUE Hybrid rates are complex

An important part of buying insurance is that you know the rating factors that play a part in calculating your auto insurance rates. Knowing what impacts premium levels enables informed choices that will entitle you to big savings.

  • Occupation reflects on rates – Did you know your occupation can influence how much you pay for auto insurance? Occupations like judges, business owners and dentists have the highest average rates attributed to stressful work requirements and long work hours. Other jobs such as farmers, historians and performers get better rates for VUE Hybrid insurance.
  • How your age affects price – Youthful drivers tend to be careless and easily distracted behind the wheel so auto insurance rates are higher. Parents adding a teenage driver onto your auto insurance can be very expensive. Older drivers are more cautious drivers, statistically cause fewer accidents and receive fewer citations.
  • Traffic violations increase rates – Drivers who don’t get tickets get better rates than bad drivers. Only having one speeding ticket can bump up the cost twenty percent or more. Drivers who get serious violations like DUI or reckless driving may be required to submit a SR-22 form to the state department of motor vehicles in order to continue driving.
  • Protect yourself with liability coverage – Liability coverage will protect you if ever a jury decides you are liable for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court starting from day one. This coverage is very inexpensive when compared with rates for comp and collision, so do not skimp.
  • Your location is important – Living in small towns and rural areas is a positive aspect when insuring your vehicles. Lower population translates into fewer accidents. Urban drivers regularly have more traffic problems and much longer commute distances. Higher commute times can result in more accidents.
  • Battle of the sexes – Statistics demonstrate women tend to be less risk to insure than men. However, don’t assume that men are worse drivers. They both cause accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations like DUI and reckless driving.
  • Frequent auto insurance claims increase rates – If you frequently file small claims, you can pretty much guarantee higher rates. Auto insurance companies generally give better rates to policyholders who do not file claims often. Insurance coverage is meant to be used in the event of the large, substantial claims.
  • Poor credit can mean higher rates – Credit score is a important factor in determining your rates. People with high credit scores tend to be more responsible than those with lower ratings. Therefore, if your credit history is low, you could be paying less to insure your 2009 Saturn VUE Hybrid by spending a little time repairing your credit.

Take discounts and save

The price of auto insurance can be rather high, but companies offer discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you purchase, but some must be asked for before you get the savings. If they aren’t giving you every credit available, you’re paying more than you need to.

  • Military Rewards – Being on active duty in the military could mean lower rates.
  • Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Accident Free – Good drivers with no accidents can earn big discounts when compared to bad drivers.
  • Low Mileage – Keeping the miles down on your Saturn can qualify you for a substantially lower rate.
  • New Car Discount – Insuring a new car is cheaper since new cars are generally safer.

As a disclaimer on discounts, many deductions do not apply to the entire cost. Most only cut the cost of specific coverages such as comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, you’re out of luck. Any qualifying discounts will bring down the cost of coverage.

To see a list of insurance companies offering car insurance discounts, click here to view.

Do you really save 40% when you switch?

Consumers get pounded daily by advertisements for cheaper car insurance from companies such as Progressive, Allstate and Geico. All the companies say the same thing of big savings if you change your policy.

How does each company make the same claim?

All the different companies have a preferred profile for the type of customer that makes them money. For instance, a driver they prefer could possibly be a mature driver, a clean driving record, and chooses high deductibles. A customer that hits that “sweet spot” will get very good rates and most likely will cut their rates substantially.

Potential customers who don’t qualify for these standards will be quoted higher prices which leads to business going elsewhere. The ads state “people who switch” not “everyone that quotes” save that much. This is how companies can truthfully state the savings.

This emphasizes why drivers must get as many quotes as possible. It’s impossible to know which insurance companies will fit your personal profile best.

Which policy gives me the best coverage?

When it comes to buying coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique and your policy should reflect that. For instance, these questions may help you determine whether you will benefit from professional help.

  • Can I afford to buy a different vehicle if my 2009 Saturn VUE Hybrid is totaled?
  • When should I not file a claim?
  • I don’t drive much so do I pay less?
  • Does my 2009 Saturn VUE Hybrid qualify for pleasure use?
  • How does medical payments coverage work?
  • Does my insurance cover my expensive audio equipment?
  • When should I remove comp and collision on my 2009 Saturn VUE Hybrid?

If it’s difficult to answer those questions, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area. It is quick, free and may give you better protection.

Auto insurance specifics

Understanding the coverages of your policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the normal coverages found on the average auto insurance policy.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for rehabilitation expenses, ambulance fees, prosthetic devices and dental work. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Saturn VUE Hybrid.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive (Other than Collision) – This coverage pays for 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 coverage protects against things such as damage from getting keyed, hitting a deer and falling objects. 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.

Liability insurance – Liability coverage will cover damage or injury you incur to people or other property that is your fault. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like repair costs for stationary objects, emergency aid, attorney fees and legal defense fees. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Collision coverage – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like scraping a guard rail, rolling your car, sideswiping another vehicle, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Final thoughts

In this article, we covered many ways to lower your 2009 Saturn VUE Hybrid insurance rates. The most important thing to understand is the more price quotes you have, the higher your chance of finding lower rates. You may be surprised to find that the most savings is with a company that doesn’t do a lot of advertising. Smaller companies can often provide lower rates in certain areas compared to the large companies like Progressive and Geico.

Cost effective insurance can be bought from both online companies and with local insurance agents, and you should be comparing both to have the best rate selection. There are still a few companies who do not offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

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