How Much Does 2003 Saturn VUE Insurance Cost?

Looking for the cheapest car insurance rates for your Saturn VUE? Tired of scraping the payment together to insure your Saturn every month? You are no different than the majority of other car owners. Because you have many insurance companies to choose from, it can be diffult for consumers to find the most cost effective provider.

It’s smart to shop coverage around yearly since insurance rates change quite often. Just because you had the best deal for VUE insurance six months ago a different company probably has better rates today. So just block out anything you think you know about car insurance because it’s time to teach you one of the best ways to find better rates and still maintain coverage.

Saturn VUE insurance rates can be determined by these details

Smart consumers have a good feel for some of the elements that go into determining your insurance rates. Knowing what controls the rates you pay empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

  • Allowing your policy to lapse raises rates – Having an insurance coverage lapse is a guaranteed way to bump up your insurance costs. Not only will you pay more, getting caught without coverage may earn you a hefty fine and possibly a revoked license.
  • Liability coverage is peace of mind – The liability section of your policy provides coverage if you are found to be at fault for causing damage or personal injury in an accident. Liability provides you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not cut corners here.
  • Pleasure use or commuting – The more miles you rack up on your Saturn every year the more you’ll pay to insure your vehicle. Almost all companies price each vehicle’s coverage based upon how you use the vehicle. Autos left parked in the garage receive lower rates compared to those used for work or business. Make sure your insurance policy is showing how each vehicle is driven, because improper ratings can cost you money. Incorrect usage on your VUE may be wasting your money.
  • Your location affects your rates – Living in small towns and rural areas has it’s advantages when talking about insurance. Drivers in populated areas have to deal with congested traffic and longer commutes to work. Fewer drivers means reduced accidents and a lower car theft rate.
  • What are your deductibles? – Your deductibles represent how much money you are required to spend before a claim is paid by your company. Physical damage insurance, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some examples of claims that would be covered are colliding with a building, damage caused by hail, and windstorm damage. The more the insured has to pay upfront, the less your insurance will be for VUE insurance.
  • How many coverages with the same company – The majority of insurance companies will award you with lower prices to policyholders who carry more than one policy such as combining an auto and homeowners policy. Discounts can be 10 percent or more. Even though this discount sounds good, you still need to compare other company rates to make sure you are getting the best deal. Consumers may find better rates by buying insurance from more than one company.
  • Sex matters – The statistics show that men are more aggressive behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Both sexes tend to get into accidents in similar percentages, but the men tend to have more serious accidents. Men also statistically get cited for more serious violations like reckless driving and DUI.
  • Add-on coverages can add up – There are many additional coverages you can purchase on your insurance policy. Insurance for vanishing deductibles, better glass coverage and membership fees may be wasting your money. These coverages may sound good initially, but your needs may have changed so eliminate the coverages to reduce your premium.

Don’t miss out on these money-saving discounts

Companies offering auto insurance don’t necessarily list all available discounts in an easy-to-find place, so we researched some of the best known and also the lesser-known savings tricks you should be using. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Accident Waiver – A handful of insurance companies will forgive one accident before raising your premiums if your claims history is clear for a set time period.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Early Switch Discount – A few companies offer discounts for buying a policy before your current policy expires. It’s a savings of about 10%.
  • Low Mileage Discounts – Keeping the miles down on your Saturn could qualify for a substantially lower rate.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.

Consumers should know that most discount credits are not given the the whole policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, you’re out of luck.

A partial list of companies that possibly offer these benefits are:

Before buying, ask every prospective company which discounts you may be entitled to. Savings may not be available in your state.

Can switching companies really save?

Drivers constantly see and hear ads for the lowest price auto insurance by Progressive, Allstate and GEICO. They all make the same claim about savings if you change to their company.

How can each company say the same thing?

Different companies have a preferred profile for the driver that earns them a profit. For example, a desirable insured could possibly be a mature driver, owns a home, and drives less than 10,000 miles a year. A customer that hits that “sweet spot” is entitled to the best price and as a result will probably save quite a bit of money when switching.

Consumers who fall outside these standards will be quoted higher rates which usually ends up with business going elsewhere. The ads say “drivers who switch” not “everyone that quotes” save that much money. That is how companies can advertise the savings. This emphasizes why you need to quote coverage with many companies. Because you never know which insurance company will provide you with the cheapest Saturn VUE insurance rates.

Do I need special coverages?

When it comes to buying adequate coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that might help in determining if you would benefit from an agent’s advice.

  • When does my teenage driver need to be added to my policy?
  • Does my car insurance cover rental cars?
  • Should I buy additional glass protection?
  • Why do I need rental car insurance?
  • Can I drive in Mexico and have coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • How can I get high-risk coverage after a DUI?
  • Will I be non-renewed for getting a DUI or other conviction?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It is quick, free and can help protect your family.

What insurance coverages do you need?

Understanding the coverages of a insurance policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are the normal coverages available from insurance companies.

Comprehensive insurance

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a deer, damage from getting keyed, vandalism, rock chips in glass and damage from flooding. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision insurance

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with a tree, sideswiping another vehicle, crashing into a ditch, backing into a parked car and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Auto liability

Liability coverage protects you from injuries or damage you cause to people or other property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as emergency aid, pain and suffering, structural damage, bail bonds and medical services. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Coverage for uninsured or underinsured drivers

This provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers 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.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as X-ray expenses, ambulance fees, doctor visits, hospital visits and surgery. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Don’t be a big spender

Cheaper 2003 Saturn VUE insurance can be sourced online as well as from independent agents, so you should compare both to have the best rate selection. Some companies don’t offer you the ability to get quotes online and these small, regional companies work with independent agents.

We just presented some good ideas how to get a better price on insurance. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding lower rates. Drivers may discover the best prices are with a company that doesn’t do a lot of advertising. Some small companies may cover specific market segments cheaper compared to the large companies like Allstate or State Farm.

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