How Much Does 2008 Saturn VUE Insurance Cost?

Being forced to pay for high-priced insurance premiums can drain your savings and force you to make sacrifices. Comparison shopping is an excellent way to make sure you’re not throwing money away.

Due to the fact that there are so many choices of insurance companies, it can be impossible to pick a lower cost insurance company.

First Step: Get free insurance coverage quotes

Getting a more affordable price on 2008 Saturn VUE insurance can be quick and easy. You just have to take a couple of minutes to compare rate quotes to find the company with inexpensive insurance quotes. It’s really simple and can be done using one of these methods.

  1. Experts agree that the best way to get the best comparison quotes is a comparison rater form click here to open form in new window. This style of form eliminates the need for separate quotes for every prospective company. A single, simple form will get you price quotes direct from many companies.
  2. A less efficient way to analyze rates consists of visiting the website for every company you want to comare to request a price quote. For instance, we’ll assume you want to compare rates from Allstate, Geico and Liberty Mutual. You would be required to visit each site and repeatedly enter your information, which is why most consumers use the first method. For a list of companies in your area, click here.
  3. Even if you have time, the least recommended way to find cheaper rates is going to insurance agents’ offices. Buying insurance online eliminates the need for an insurance agent unless you have a need for the advice and guidance that can only be provided by a licensed insurance agent. Drivers can comparison shop online and still use a local agent.

Compare rates however you want, just be certain you are entering identical quote data with each company. If you have different data it will be very difficult to find the best deal for your Saturn VUE.

Brand name doesn’t guarantee savings

Drivers can’t get away from ads that promise big savings by Progressive, Allstate and Geico. They all seem to make the point that you’ll save big just by moving your policy.

That’s great but how can every company charge lower premium rates? Just pay attention to how they say it.

Companies look for specific characteristics for the type of customer that will most likely be profitable. One example of a preferred risk could possibly be a mature driver, has a clean driving record, and does not commute to work. A propective insured who matches that profile will get low auto insurance rates and have a good chance to pay quite a bit less when switching companies.

Consumers who fall outside this stringent profile will get higher premium rates which usually ends up with business not being written. If you pay attention, the ads say “people who switch” but not “everyone who gets a quote” save that much money. That’s why companies can make the claims of big savings.

This emphasizes why you really should compare many company’s prices. Because you never know with any certainty which company will have better premium rates than you’re paying now.

You may qualify for discounts

Companies that sell car insurance don’t always list their entire list of discounts in an easy-to-find place, so here is a list both well-publicized in addition to some of the lesser obvious credits that may apply to you. If you’re not getting every credit available, you are throwing money away.

  • Good Student Discount – Maintaining excellent grades may save you up to 25%. The discount lasts up until you turn 25.
  • Safety Restraint Discount – Forcing all vehicle occupants to buckle their seat belts may be able to save a few bucks off the PIP or medical payment premium.
  • Save with More Vehicles Insured – Buying insurance for multiple cars on the same insurance policy can get a discount for every vehicle.
  • Club Memberships – Having an affiliation with qualifying clubs or civic groups can get you a small discount on your next insurance statement.
  • Senior Citizens – If you’re over the age of 55, you could receive a slight reduction on a insurance quote on VUE coverage.
  • Onboard Data Collection – Policyholders that allow companies to scrutinize their driving habits by using a telematic data system like Allstate’s Drivewise might see lower rates if they are good drivers.

A quick disclaimer, some of the credits will not apply to all coverage premiums. Most cut the cost of specific coverages such as comprehensive or collision. So even though you would think you could get a free insurance policy, companies wouldn’t make money that way.

A list of companies and a summarized list of policyholder discounts can be found below.

  • Farm Bureau may offer discounts for youthful driver, multi-vehicle, safe driver, 55 and retired, multi-policy, good student, and driver training.
  • MetLife has discounts for good driver, defensive driver, good student, multi-policy, accident-free, claim-free
  • Progressive policyholders can earn discounts including homeowner, online quote discount, online signing, multi-policy, good student, and continuous coverage.
  • AAA offers premium reductions for AAA membership discount, pay-in-full, multi-car, good driver, anti-theft, good student, and education and occupation.
  • American Family offers discounts including Steer into Savings, mySafetyValet, bundled insurance, good driver, and good student.
  • Geico includes discounts for anti-lock brakes, anti-theft, multi-vehicle, air bags, multi-policy, seat belt use, and daytime running lights.
  • State Farm has savings for defensive driving training, passive restraint, accident-free, multiple policy, student away at school, good driver, and safe vehicle.

If you need the cheapest insurance quotes, ask each company or agent which discounts can lower your rates. Discounts may not apply to policyholders in every state. If you would like to view insurance companies with the best insurance discounts, click here.

There’s no such thing as the perfect car insurance policy

When buying the right insurance coverage for your vehicles, there is no cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. These are some specific questions may help you determine whether your personal situation will benefit from professional help.

  • How much underlying liability do I need for an umbrella policy?
  • What is high-risk coverage and where do I buy it?
  • Should I buy more coverage than the required minimum liability coverage?
  • If my 2008 Saturn VUE is totaled, can I afford another vehicle?
  • Where can I find DUI or SR-22 insurance?
  • Can I rate high risk drivers on liability-only vehicles?
  • Does my insurance cover a custom paint job?
  • Do I need motorclub coverage?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Parts of your insurance policy

Having a good grasp of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement. Below you’ll find the usual coverages found on most insurance policies.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from getting keyed, fire damage and rock chips in glass. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability insurance – This coverage provides protection from damage or injury you incur to people or other property by causing an accident. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things such as legal defense fees, emergency aid, bail bonds and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage – This coverage covers damage to your VUE resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as damaging your car on a curb, crashing into a building, rolling your car, sideswiping another vehicle and backing into a parked car. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Insurance for medical payments – Med pay and PIP coverage reimburse you for expenses for X-ray expenses, EMT expenses, ambulance fees, surgery and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these coverages are set the same as your liablity limits.

Buy Smart and Save

Some insurance providers may not have the ability to get a quote online and most of the time these small insurance companies only sell coverage through local independent agencies. More affordable insurance can be sourced from both online companies as well as from insurance agents, and you should compare price quotes from both to have the best selection.

As you quote insurance, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice liability limits or collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your aim should be to find the BEST coverage at a price you can afford.

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