View 2009 Saturn VUE Insurance Quotes

Searching for better car insurance rates for your Saturn VUE? Having to pay for overpriced Saturn VUE insurance can take a big chunk out of your personal savings and require stricter spending habits. Comparing rates annually is recommended to lower your monthly bill.

Multiple insurers compete for your business, so it can be very hard to choose a company to find the best rate

Consumers need to compare premium rates before your next renewal because prices are usually higher with each renewal. Just because you found the best rates for VUE coverage last year you can probably find a lower rate today. Block out anything you think you know about car insurance because I’m going to teach you how to quote online to reduce your cost while increasing coverage.

Ways to get auto insurance price quotes

Finding cheap 2009 Saturn VUE auto insurance rates is an easy way to save money. Drivers just need to take a couple of minutes comparing free insurance quotes from online providers. Insurance prices can be quoted in just a few minutes using one of these methods.

Experts agree that the best way consumers can make multiple comparisons is a comparison rater form (click to open form in new window). This method keeps you from doing repetitive form submissions for every prospective company. A single, simple form compares rates from many national carriers.

A harder way to find better pricing requires a trip to each individual company website and fill out a new quote form. For instance, let’s assume you are doing a rate comparison from Nationwide, 21st Century and Farmers. To get each rate you have to go to every website to input your insurance information, which is why most consumers use the first method.

For a list of companies in your area, click here.

If you have time to kill, the last way to get rate quotes is driving to different agent offices. Quoting online makes this unnecessary unless you prefer the professional assistance only provided by licensed agents. It is possible to comparison shop your insurance online but buy the policy through an agent.

Which method you use is up to you, but make sure you are using identical quote information on every quote you get. If you are comparing different data it’s impossible to determine the best price for your Saturn VUE.

Why you might pay higher rates

An important part of buying insurance is that you know the factors that aid in calculating your policy premiums. When you understand what influences your rates, this enables informed choices that can earn you lower premium levels.

Shown below are some of the major factors used by companies to determine prices.

  • Get married and get cheaper costs – Having a spouse helps lower the price when buying insurance coverage. Marriage is viewed as being more responsible and it’s proven that married couples file fewer claims.
  • Safer vehicles means cheaper insurance – Cars with five star safety ratings tend to have better insurance rates. Vehicles built for safety have better occupant injury protection and any reduction in injury severity means lower claim amounts which can mean better rates for you.
  • High physical damage deductibles lower prices – Physical damage protection, also called ‘full coverage’, is used to repair damage to your vehicle. Some examples of claims that would be covered are running into the backend of another car, flood damage, and damage from a fallen tree branch. Comp and collision deductibles are how much you are required to spend in the event of a claim. The more damage repair cost you pay before a claim is paid (deductible), the bigger discount you will receive for VUE coverage.
  • Liability insurance – The liability section of your policy kicks in if a jury decides you are liable for causing personal injury or damage in an accident. Your policy’s liability insurance provides legal defense coverage to defend your case. It is affordable coverage as compared to coverage for physical damage, so buy as much as you can afford.
  • Never let your insurance coverage policy lapse – Driving your car without having proper coverage is a misdemeanor and any future policy may cost more because you let your insurance expire. Not only will rates go up, getting caught without coverage can result in a license revocation or jail time. You could then be forced to file a SR-22 with your state motor vehicle department to get your license reinstated.

Car insurance discounts help cut rates

Some insurers don’t necessarily list all disounts very clearly, so we took the time to find some of the best known and the more hidden discounts you could be receiving when you buy insurance online.

  • Save with a New Car – Insuring a vehicle that is new can cost up to 25% less since new vehicles have better safety ratings.
  • Defensive Driver Discounts – Passing a defensive driver class could earn you a small percentage discount and easily recoup the cost of the course.
  • Active Military Service – Being deployed in the military could be rewarded with lower car insurance rates.
  • Good Student Discount – This discount may save as much as 25% on a insurance quote. Many companies even apply the discount to college students well after school through age 25.
  • Multi-line Discount – If the company offers life insurance, you could get lower rates if you buy a life policy as well.
  • ABS and Traction Control Discounts – Vehicles with ABS and/or traction control can reduce accidents so you can save 10 percent or more.
  • Federal Employees – Federal government employees may qualify for a discount when you quote insurance for VUE coverage with some car insurance companies.
  • No Accidents – Drivers with accident-free driving histories have much lower rates when compared to drivers who are more careless.
  • E-sign Discounts – Many larger companies will give a small break shop insurance on the internet.

As a footnote on discounts, some credits don’t apply to all coverage premiums. Most cut individual premiums such as comprehensive or collision. So when it seems like you could get a free car insurance policy, car insurance companies aren’t that generous.

For a list of car insurance companies with discount rates, click here to view.

Which is the best insurance coverage?

When it comes to choosing coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different and your policy should reflect that. For instance, these questions could help you determine whether your personal situation may require specific advice.

  • Am I covered if I hit my neighbor’s mailbox?
  • Is my camper covered by my car insurance policy?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Am I covered when driving someone else’s vehicle?
  • Does coverage extend to Mexico or Canada?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Information about specific coverages

Understanding the coverages of auto insurance can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on the average auto insurance policy.

Liability insurance

This protects you from damage that occurs to a person or their property that is your fault. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers things such as emergency aid, pain and suffering, medical services, repair bills for other people’s vehicles and attorney fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your 2009 Saturn VUE.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as falling objects, hail damage and vandalism. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses for things like prosthetic devices, surgery and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Auto collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as colliding with another moving vehicle, sustaining damage from a pot hole, crashing into a ditch, sideswiping another vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

In any little way, save everyday

We just presented some good ideas how to reduce 2009 Saturn VUE insurance prices online. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. You may even discover the most savings is with some of the lesser-known companies. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive and GEICO.

Lower-priced car insurance can be sourced online as well as from independent agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who may not offer rates over the internet and usually these regional carriers provide coverage only through local independent agents.

For more information, feel free to browse the resources below: