2009 Saturn VUE Insurance Rates – 8 Savings Tips

Consumers have options when looking for the lowest priced Saturn VUE insurance. They can either waste time driving around to get rate comparisons or leverage the internet to find the lowest rates.

There is a better way to shop for insurance so you’re going to learn the absolute fastest way to compare rates for your Saturn and get the best price possible from local insurance agents and online providers.

It’s a great practice to compare rates as often as possible because rates are rarely the same from one policy term to another. Even if you got the best rate for VUE coverage at your last renewal the chances are good that you can find a lower price today. Block out anything you think you know about insurance because I’m going to teach you one of the quickest ways to save on insurance.

If you have a current car insurance policy or need new coverage, you can use this information to find better prices and still get good coverage. This information will let you in on how to get online quotes. Drivers just need to understand the proper way to compare price quotes over the internet.

Which insurance coverage is cheapest?

All the larger insurance coverage companies such as Progressive, Allstate and Geico allow you to get coverage prices online. The process is fairly simple as all you need to do is type in the amount of coverage you want into a form. When the form is submitted, their rating system will obtain information on your driving record and credit history and generates a price determined by many factors.

Being able to quote online makes it easy to compare insurance prices but the time required to go to different websites and type in the same information gets old quite quickly. But it’s absolutely necessary to perform this step if you want to get the lowest possible prices on insurance coverage.

A more efficient way to get multiple rate quotes uses one simple form that gets price quotes from a lot of companies. The form is fast, requires much less work on your part, and makes price shopping online a lot less work. After your information is entered, it gets priced with multiple companies and you can pick any or none of the pricing results.

If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. The entire process takes just a few minutes to complete and you will know how your current rates stack up.

To compare rates now, click here to open in a new tab and input your coverage information. If you have your current policy handy, we recommend you complete the form with the limits and deductibles exactly as they are listed on your policy. Doing this guarantees you’re receiving rate quotes using the same coverage and limits.

Eight discounts for cheap car insurance rates

Buying car insurance is not cheap, but you might already qualify for some discounts that you may not even be aware of. Many discounts should be triggered when you purchase, but some must be inquired about prior to getting the savings.

  • No Charge for an Accident – This one isn’t a discount, but a handful of insurance companies will allow you to have one accident without getting socked with a rate hike as long as you don’t have any claims for a particular time prior to the accident.
  • Resident Student – Any of your kids who live away from home to go to college and don’t have a car may qualify for this discount.
  • Payment Discounts – If paying your policy premium upfront rather than paying in monthly installments you may reduce your total bill.
  • Seat Belt Usage – Forcing all vehicle occupants to buckle their seat belts can save 10% or more off the PIP or medical payment premium.
  • Low Miles Discount – Keeping the miles down on your Saturn can earn cheaper car insurancerates.
  • Auto/Home Discount – If you combine your auto and home policies and insure them both with the same insurance company they may give you a discount of 10% to 20% off each policy.
  • Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off for VUE coverage depending on your car insurance provider.
  • Discounts for New Vehicles – Buying a new car instead of a used car may earn a small discount since newer models have better safety ratings.

Consumers should know that some credits don’t apply to your bottom line cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, companies don’t profit that way.

Companies and the discounts they provide are shown below.

  • Geico has savings for anti-lock brakes, air bags, emergency military deployment, driver training, and membership and employees.
  • SAFECO may have discounts that include drive less, bundle discounts, safe driver, anti-lock brakes, teen safety rewards, and anti-theft.
  • State Farm may offer discounts for multiple policy, driver’s education, good student, defensive driving training, Drive Safe & Save, and good driver.
  • MetLife includes discounts for good student, defensive driver, accident-free, good driver, multi-policy, and claim-free.
  • 21st Century has discounts for driver training, defensive driver, automatic seat belts, 55 and older, early bird, and air bags.
  • Progressive discounts include good student, homeowner, multi-vehicle, online signing, and continuous coverage.

If you are trying to find low cost car insurance quotes, ask every company how you can save money. Some of the earlier mentioned discounts may not apply to policies in your area.

Tailor your auto insurance coverage to you

When it comes to choosing the right insurance coverage, there really is no cookie cutter policy. Everyone’s situation is a little different.

For instance, these questions can aid in determining if your insurance needs will benefit from professional help.

  • Do I have newly-aquired coverage?
  • How many claims can I have before being cancelled?
  • Are my friends covered when driving my 2009 Saturn VUE?
  • Am I covered when using my vehicle for business?
  • Do I need added coverage for expensive stereo equipment?
  • Why do I need rental car insurance?
  • What discounts do I qualify for?
  • What is medical payments coverage?
  • Is my camper covered by my car insurance policy?

If you can’t answer these questions, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Auto insurance coverage information

Learning about specific coverages of insurance aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like nursing services, surgery, dental work and funeral costs. They are used in conjunction with a health insurance program or if there is no health insurance coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision protection

Collision coverage will pay to fix damage to your VUE caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as crashing into a ditch, sustaining damage from a pot hole and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverages

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, hitting a deer, hail damage and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability coverage protects you from damage or injury you incur to other people or property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like bail bonds, medical expenses, medical services and legal defense fees. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Saturn VUE.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally these limits are set the same as your liablity limits.

Be a penny pincher

Cheaper insurance coverage is definitely available from both online companies in addition to local insurance agencies, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance coverage companies don’t offer price quotes online and usually these regional insurance providers sell through independent agents.

As you quote car insurance, don’t be tempted to skimp on critical coverages to save a buck or two. Too many times, an accident victim reduced collision coverage only to regret that it was a big mistake. Your strategy should be to buy a smart amount of coverage at the lowest possible cost, but do not skimp to save money.

We just presented quite a bit of information on how to shop for 2009 Saturn VUE insurance online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may even discover the biggest savings come from a company that doesn’t do a lot of advertising.

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