Cheap 2002 Saturn VUE Insurance Quotes

Drivers have lots of choices when trying to find low-cost Saturn VUE insurance. They can either waste time driving around getting price quotes or save time using the internet to make rate comparisons. There is a right way and a wrong way to buy insurance and you need to know the absolute fastest way to get price quotes for a new or used Saturn and locate the best price possible.

Smart consumers take time to do price comparisons once or twice a year because rates fluctuate regularly. Just because you had the lowest premium rates on VUE insurance last year you will most likely find a better price today. You can find a lot of information about insurance out there, but I’m going to show you some guaranteed methods to lower your insurance rates.

Ways to get insurance coverage quotes

There are multiple methods to compare insurance coverage quotes, but some are more efficient than others. You could waste time talking to local insurance agents in your area, or you can stay home and use the internet to achieve your goal.

The majority of car insurance companies are enrolled in a marketplace that allows shoppers to enter their policy data once, and each participating company returns a competitive quote based on the submitted data. This eliminates the need for quote forms to each company.

To find out how much you can save on insurance coverage click to open in new window.

The single downside to doing it this way is that consumers can’t choose the companies to get pricing from. If you prefer to choose individual companies for rate comparison, we have assembled a list of insurance coverage companies in your area. Click to view list.

Whichever way you use, do your best to enter the same coverages and limits on every quote you get. If your comparisons have different coverage information it will be next to impossible to get a fair rate comparison.

Will you really save $433 on auto insurance?

Consumers can’t escape the ads that claim the lowest car insurance rates from the likes of State Farm and Allstate. All the ads advertise claims of big savings if you change your auto insurance policy to them.

But how can every company have lower policy pricing? Just pay attention to how they say it.

Many companies offer their best rates for the type of driver that will add to their bottom line. For instance, a driver they prefer could be over the age of 40, has no tickets, and drives a car with an anti-theft system. Any new insured that meets those criteria receives the best prices and will most likely save money with a new company.

Consumers who do not meet the ideal profile will get a higher premium and the customer buying from someone else. The ad wording is “customers that switch” but not “all drivers who get quotes” save that much money. That’s why companies can truthfully make those claims. Each company has different criteria, so you really need to get auto insurance quotes from several different companies. It’s just too difficult to predict which insurance companies will fit you best based on your risk profile.

Learn how to quote insurance coverage more affordably

Many different elements are used when you quote your car insurance policy. Most are fairly basic like your driving record, but some are more obscure like where you live or your vehicle rating.It’s important that you understand some of the factors that play a part in calculating your premiums. If you understand what impacts premium levels, this enables informed choices that may reward you with cheaper rates.

  • Better rates with anti-theft devices – Buying a car with a theft deterrent system can earn a premium discount. Advanced theft deterrents such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent vehicle theft.
  • Small coverages can add up – Insurance policies have a lot of additional coverages that you can get tricked into buying if you aren’t careful. Add-on coverages like vanishing deductibles, accidental death, and term life insurance may be costing you every month. These coverages may sound good initially, but your needs may have changed so remove them and pocket the money.
  • Too many policy claims drive up rates – Car insurance companies give most affordable rates to people who do not file claims often. If you are the type of insured that files lots of claims you can pretty much guarantee either higher rates or even cancellation. Insurance coverage is meant to be used in the event of the large, substantial claims.
  • Certain jobs pay higher insurance coverage rates – Occupational choices like military personnel, executives and emergency personnel generally pay the highest rates because of high stress levels and lots of time spent away from family. Conversely, careers such as farmers, historians and the unemployed have the lowest average rates on VUE insurance.
  • Driving citations are costly – Your driving citation history influences premium rates substantially. Careful drivers get better prices compared to bad drivers. Even a single speeding ticket can bump up the cost to the point where it’s not affordable. Drivers who have gotten flagrant tickets such as DUI or reckless driving are required to file a SR-22 with the DMV in their state in order to legally drive a vehicle.
  • Drive less and save – The more you drive your Saturn every year the more you’ll pay to insure your vehicle. A lot of companies rate vehicles based upon how much you drive. Vehicles that sit idle most of the time can be on a lower rate level compared to those used for work or business. Make sure your insurance coverage declarations sheet reflects annual mileage, because it can save money. Incorrect rating for your VUE may be wasting your money.

Find discounts to get cheap insurance quotes

Insurance is expensive, but discounts can save money and there are some available that you may not even know about. Larger premium reductions will be automatically applied when you complete an application, but a few must be asked about prior to receiving the credit.

  • Seat Belt Discounts – Buckling up and requiring all passengers to buckle up before driving may be able to save a few bucks off the PIP or medical payment premium.
  • ABS and Traction Control Discounts – Cars with ABS braking systems or traction control can avoid accidents and will save you 10% or more.
  • Driver’s Education for Students – It’s a good idea to have your young drivers enroll and complete driver’s education if offered at their school.
  • Onboard Data Collection – Insureds that choose to allow their company to monitor when and where they use their vehicle remotely such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if their driving habits are good.
  • Early Payment Discounts – By paying your policy upfront rather than spreading payments over time you could save up to 5%.
  • Own a Home and Save – Owning a house can help you save on insurance because maintaining a house requires personal responsibility.
  • Good Student – This discount may save as much as 25% on a auto insurance quote. This discount can apply up until you turn 25.
  • Defensive Driver Discount – Successfully completing a class that teaches safe driver techniques could earn you a small percentage discount depending on where you live.

It’s important to note that most discount credits are not given to the overall cost of the policy. Most only cut specific coverage prices like liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. Any qualifying discounts will lower the premium cost.

To view insurers who offer discounts, follow this link.

Tailor your insurance coverage coverage to you

When it comes to buying coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different.

These are some specific questions may help highlight if you would benefit from an agent’s advice.

  • I don’t drive much so do I pay less?
  • What are the best liability limits?
  • How high should my medical payments coverage be?
  • Can I drive in Mexico and have coverage?
  • Does my insurance cover my expensive audio equipment?
  • Should I waive the damage coverage when renting a car?
  • Exactly who is provided coverage by my policy?
  • Does insurance cover tools stolen from my truck?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.

Coverages available on your insurance policy

Learning about specific coverages of your insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Collision insurance

This coverage will pay to fix damage to your VUE resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like damaging your car on a curb, rolling your car, colliding with another moving vehicle, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like vandalism, damage from a tornado or hurricane and fire damage. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense insurance

Med pay and PIP coverage reimburse you for short-term medical expenses such as pain medications, chiropractic care, nursing services, hospital visits and dental work. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Auto liability insurance

Liability insurance protects you from damage or injury you incur to other people or property in an accident. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things like loss of income, structural damage, attorney fees and medical services. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Final considerations

When you buy auto insurance online, you should never skimp on coverage in order to save money. In many cases, an insured dropped physical damage coverage and found out when filing a claim they didn’t purchase enough coverage. The proper strategy is to get the best coverage possible for the lowest price, but do not skimp to save money.

People who switch companies do it for a number of reasons such as delays in paying claims, poor customer service, lack of trust in their agent and high rates after DUI convictions. It doesn’t matter why you want to switch switching insurance companies can be easy and end up saving you some money.

We covered a lot of tips how to reduce 2002 Saturn VUE insurance premium rates online. The key concept to understand is the more quotes you get, the better chance you’ll have of finding cheaper auto insurance. You may even discover the most savings is with the least-expected company.

More learning opportunities