2002 Saturn VUE Car Insurance Quotes – 10 Ways to Save

Searching for the cheapest auto insurance rates? Consumers have many options when looking for the lowest priced Saturn VUE insurance. They can either waste time calling around getting price quotes or utilize the internet to compare rates.

There is a better way to compare auto insurance rates so you’re going to learn the proper way to price shop coverage on a Saturn and obtain the best price possible from local insurance agents and online providers.

This article will introduce you to the most effective way to quote insurance and some tips to save money. If you currently have a car insurance policy, you will be able to lower your premiums substantially using these methods. Drivers just need to understand the proper way to get comparison quotes over the internet.

How to compare auto insurance rate quotes

Finding a better price on auto insurance isn’t really that difficult. Just take a few minutes comparing price quotes online with multiple companies. It’s super easy and can be done in several different ways.

  1. Hands down the most simple method to find the lowest comparison rates would be an industry-wide quote request form (click to open form in new window). This type of form prevents you from having to do repetitive form submissions for each company you want a rate for. One form submission gets insurance cost estimates from all major companies. This is by far the quickest method.
  2. A different way to obtain and compare quotes online requires a visit to the website for each individual company and complete a new quote form. For example, we’ll assume you want to view quotes from GEICO, Liberty Mutual and Farmers. You would be required to spend time going to each site individually and punch in your information repeatedly, and that explains why we recommend the first method. To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just be certain you are entering the same coverages for each price quote. If your comparisons have higher or lower deductibles it will be impossible to decipher which rate is best.

Auto insurance companies are expert advertisers

Drivers can’t escape the ads that promise big savings for switching by companies like Allstate and Progressive. They all seem to state the claim that people will save just by switching your coverage.

How does each company save you money? It’s all in the words they use.

Companies have specific characteristics for the type of driver that makes them money. One example of a profitable insured might be described as a mature driver, has a low-risk occupation, and drives a safe vehicle. Any customer who matches those parameters will get very good car insurance rates as well as save money with a new company.

Consumers who don’t measure up to the ideal profile must pay higher premium rates which leads to the driver buying from a lower-cost company. The ads state “customers that switch” not “everybody who quotes” save money. This is how insurance companies can confidently make those claims.

Because every company is different, you really should do a price quote comparison at every renewal. Because without a comparison, you cannot know which insurance companies will fit your personal profile best.

Do you qualify for these ten discounts?

Insurance is expensive, but there’s a good chance there are discounts to cut the cost considerably. Some of these disounts will be visible when you complete an application, but less common discounts must be manually applied before they will apply.

  • Discount for Life Insurance – Some insurance companies give a discount if you purchase some life insurance in addition to your auto policy.
  • Passive Restraint Discount – Factory air bags can qualify for discounts of 20% or more.
  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them complete a driver education course in school.
  • Homeowners Savings – Simply owning a home can save you money because maintaining a house shows financial diligence.
  • Renewal Discounts – A few insurance companies offer discounts for buying a new policy prior to your current policy expiring. It can save you around 10%.
  • Online Discount – Many companies will give a small break just for signing your application online.
  • Membership in Organizations – Being in a qualifying organization could trigger savings when getting a insurance quote.
  • Fewer Miles Equal More Savings – Low mileage vehicles can earn cheaper premium rates.
  • Pay Early and Save – By paying your entire bill at once instead of making monthly payments you can avoid monthly service charges.
  • Defensive Driving Course – Participating in a course that instructs on driving safety can save you 5% or more and make you a better driver.

It’s important to note that most credits do not apply to the entire cost. Most only apply to individual premiums such as liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, that’s just not realistic. Any amount of discount will bring down your overall bill.

A few of the larger companies and some of their more popular discounts are included below.

  • Farm Bureau includes discounts for driver training, safe driver, 55 and retired, multi-policy, renewal discount, youthful driver, and multi-vehicle.
  • Liberty Mutual offers premium reductions for new vehicle discount, teen driver discount, new move discount, newly married, new graduate, multi-policy, and safety features.
  • State Farm offers discounts including defensive driving training, Steer Clear safe driver discount, multiple autos, anti-theft, and multiple policy.
  • Auto-Owners Insurance has discounts for anti-lock brakes, paperless, group or association, multi-policy, paid in full, and student away at school.
  • GEICO policyholders can earn discounts including membership and employees, federal employee, defensive driver, good student, anti-lock brakes, and seat belt use.
  • SAFECO may include discounts for teen safe driver, homeowner, safe driver, anti-theft, and teen safety rewards.

When getting a coverage quote, ask each company or agent how you can save money. Some discounts listed above might not apply in your state. If you would like to see a list of insurance companies who offer cheap insurance quotes, click this link.

Don’t assume everyone needs the same insurance coverage coverage

When it comes to buying adequate coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine if your insurance needs might need an agent’s assistance.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • When should I buy a commercial auto policy?
  • Is my trailer covered?
  • Will my insurance pay for OEM parts?
  • If I drive on a suspended license am I covered?
  • Do I need more liability coverage?
  • What can I do if my company won’t pay a claim?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It is quick, free and may give you better protection.

Information about specific coverages

Knowing the specifics of your policy helps when choosing which coverages you need for your vehicles. Insurance terms can be confusing and coverage can change by endorsement.

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as rock chips in glass, vandalism and hail damage. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

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 is important protection for you and your family. Usually these coverages are similar to your liability insurance amounts.

Liability coverage – This provides protection from injuries or damage you cause to other people or property that is your fault. This coverage protects you against other people’s claims, and doesn’t 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. As an example, you may have limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as structural damage, court costs, repair bills for other people’s vehicles and medical services. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for expenses like X-ray expenses, EMT expenses, chiropractic care, hospital visits and ambulance fees. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Collision coverage – Collision insurance pays for damage to your VUE resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like damaging your car on a curb, backing into a parked car, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Shop Smart and Save

When trying to cut insurance costs, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced liability limits or collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The aim is to buy the best coverage you can find at the best possible price, not the least amount of coverage.

In this article, we covered quite a bit of information on how to shop for 2002 Saturn VUE insurance online. The key concept to understand is the more price quotes you have, the better your comparison will be. Consumers could even find that the lowest rates come from some of the smallest insurance companies.

Drivers who switch companies do it for a variety of reasons including not issuing a premium refund, policy cancellation, poor customer service or delays in paying claims. It doesn’t matter why you want to switch finding a new company can be pretty painless.

Additional detailed information can be read in these articles: