Save on 2003 Saturn VUE Insurance Rates

No one fancies paying their premiums for car insurance, especially when they are aware that they could lower their rates if they shopped around.

Because you have many insurance providers from which to choose, it can be challenging to choose a lower cost insurer.

How to shop insurance coverage online

All major insurance coverage companies make it easy to get prices for coverage direct online. Obtaining pricing is fairly straightforward as you simply enter as detailed in the form. After you complete the form, the quote system orders your credit score and driving record and returns a price based on the data you entered. Online quotes makes it easy to compare insurance prices but the work required to visit each company’s website and repetitively type in the same data is not the best way to spend an afternoon. Unfortunately, it is important to have as many quotes as possible in order to get the best price possible.

A less time-consuming method to get multiple rate quotes uses just one form that gets price quotes from several different companies. The form is fast, helps eliminate reptitive entry, and makes quoting online much easier to do. As soon as you send your information, your coverage is rated and you can select any one of the price quotes you receive.

If the quotes result in lower rates, you simply finish the application and purchase coverage. This process just takes a couple of minutes and could lower your rates considerably.

To save time and get comparison pricing now, click here to open in a new tab and complete the simple form. To compare your current rates, we recommend you type in deductibles and limits as close as possible to your current policy. This way, you’re receiving an apples-to-apples comparison based on identical coverages.

Don’t believe everything you hear

Auto insurance providers like Progressive, Allstate and Geico continually stream ads on TV and radio. They all seem to advertise the message that drivers can save some big amount if you switch to their company. How does every company offer drivers better rates? Just pay attention to how they say it.

All companies have underwriting criteria for the type of insured that earns them the most money. For example, this type of driver may be a female over age 40, has no claims, and drives less than 7,500 miles a year. Any customer who fits those characteristics receives the best car insurance rates as well as save some money.

Consumers who don’t meet those criteria must pay higher prices and this results in business going elsewhere. The ads say “customers that switch” but not “all drivers who get quotes” save that much. That’s the way companies can advertise the savings.

This illustrates why you should compare rate quotes every year. It’s just not possible to know the company that will provide the lowest rates.

What determines Saturn VUE insurance costs?

Many different elements are taken into consideration when you quote your car insurance policy. Some are pretty understandable such as traffic violations, but some are less obvious like your vehicle usage or your financial responsibility.

  • Women tend to cost less – Over the last 50 years, statistics have shown that females take fewer risks when driving. Now that doesn’t mean women are better drivers. Females and males are responsible for at-fault accidents at about the same rate, but males tend to have higher claims. In addition to higher claims, males also get more serious tickets like reckless driving and DUI.
  • How much liability protection – A critical coverage on your policy, liability insurance will afford coverage when a jury decides you are liable for damages caused by your negligence. It will provide you with a defense in court to attempt to prove you were not liable. It is affordable coverage when compared with rates for comp and collision, so do not skimp.
  • Older drivers pay less – Drivers with little experience tend to be inattentive and easily distracted when driving and because of this, their car insurance rates are much higher. More experienced drivers are more responsible, tend to file fewer claims .
  • Responsible credit equals lower costs – Your credit rating factor in determining your rates. People that have very good credit scores tend to be better risks to insure than those with lower credit ratings. Therefore, if your credit can use some improvement, you could potentially save money when insuring your 2003 Saturn VUE by improving your rating.
  • Rate your vehicle for proper use – The more you drive your Saturn in a year’s time the more it will cost to insure it. A lot of insurance companies charge rates based upon how the vehicle is primarily used. Cars and trucks used primarily for pleasure use receive lower rates than cars that get driven a lot. Double check that your policy correctly shows annual mileage. Having an incorrect usage rating on your VUE can cost quite a bit.
  • Comp and collision deductibles are a factor – Insurance for physical damage to your car, also known as collision and other-than-collision, covers your vehicle from damage. Some examples of claims that would be covered are a broken windshield, hail damage, and windstorm damage. The deductibles define how much the insured will be required to pay before a claim is paid by your company. The more of the claim you choose to pay out-of-pocket, the less your company will charge you for insurance for VUE insurance.
  • Save by driving cars with good safety ratings – Cars with high safety ratings get lower rates. Safer cars result in less severe injuries and lower injury rates means less claims paid and thus lower rates. If your Saturn scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Better drivers have lower prices – Being a careful driver impacts your car insurance rates tremendously. Drivers who don’t get tickets have lower premiums compared to bad drivers. Even one driving citation can increase rates to the point where it’s not affordable. Drivers with multiple tickets such as hit and run, DWI or reckless driving convictions are required to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to legally drive a vehicle.

Insurance coverage rates and discounts

Companies don’t always list every discount very well, so here is a list both well-publicized and the more hidden credits that may apply to you. If you’re not getting every credit you deserve, it’s possible you qualify for a lower rate.

  • Sign Online – Certain larger companies will give you a small discount for buying your policy over the internet.
  • Pay Early and Save – By making one initial payment instead of making monthly payments you can avoid the installment charge.
  • Discount for New Cars – Adding a new car to your policy may earn a small discount because new model year vehicles keep occupants safer.
  • Employee of Federal Government – Active or former government employment can earn a discount up to 10% for VUE insurance with some insurance coverage companies.
  • Responsible Drivers – Drivers who avoid accidents can pay as much as 50% less for VUE insurance than drivers with accidents.

Don’t be surprised that most credits do not apply the the whole policy. Some only apply to specific coverage prices like medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, you won’t be that lucky.

Companies and a selection of discounts are included below.

  • AAA includes discounts for multi-car, good student, anti-theft, multi-policy, education and occupation, pay-in-full, and good driver.
  • Progressive offers discounts including online quote discount, good student, online signing, homeowner, multi-policy, and multi-vehicle.
  • State Farm offers premium reductions for anti-theft, multiple policy, multiple autos, good driver, student away at school, defensive driving training, and accident-free.
  • Esurance offers discounts for good driver, homeowner, safety device, online quote, anti-lock brakes, and anti-theft.
  • Nationwide may include discounts for family plan, easy pay, multi-policy, defensive driving, and accident-free.

If you are trying to find low cost insurance quotes, ask every company to give you their best rates. Some discounts listed above may not apply to policies in your area.

Situations that may require an agent’s advice

When choosing adequate coverage for your vehicles, there really is not a one size fits all plan. Everyone’s needs are different so your insurance needs to address that. These are some specific questions can help discover if you might need an agent’s assistance.

  • At what point should I drop full coverage?
  • When would I need additional glass coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does insurance cover tools stolen from my truck?
  • When can my company non-renew my policy?
  • When would I need rental car insurance?
  • Does coverage extend to Mexico or Canada?
  • Do I benefit by insuring my home with the same company?
  • What if I don’t agree with a claim settlement offer?
  • Do I pay less if my vehicle is kept in my garage?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Auto insurance coverages

Having a good grasp of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages found on the average insurance policy.

Coverage for liability

This will cover damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like structural damage, funeral expenses and medical services. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Saturn VUE.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually these coverages are similar to your liability insurance amounts.

Auto collision coverage

Collision coverage pays for damage to your VUE caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a building, rolling your car, damaging your car on a curb, hitting a parking meter and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, falling objects, damage from getting keyed, vandalism and fire damage. The most a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for EMT expenses, nursing services, hospital visits, funeral costs and X-ray expenses. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage on a shoestring budget

When buying insurance coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced full coverage and discovered at claim time that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible at a price you can afford while not skimping on critical coverages.

Cheaper 2003 Saturn VUE insurance is definitely available online and from local insurance agents, and you need to price shop both to get a complete price analysis. Some companies may not have the ability to get quotes online and most of the time these regional carriers prefer to sell through independent insurance agencies.

Additional information