How Much Does 2004 Saturn VUE Car Insurance Cost?

Are you a victim of an overpriced insurance policy? Believe me, many consumers feel financially strained by their insurance policy. With so many options when it comes to insurance, it can be impossible to locate the right company.

Buying car insurance is not that difficult. If you have a policy now or are shopping for new coverage, you will benefit by learning to reduce the price you pay and still get good coverage. Consumers only need an understanding of the proper methods to get comparison quotes online.

Discounts mean cheaper 2004 Saturn VUE insurance rates

Car insurance companies don’t always advertise every discount in an easy-to-find place, so we researched both well-publicized and the harder-to-find discounts you could be receiving. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Multi-car Discount – Insuring more than one vehicle with the same company could earn a price break for each car.
  • Air Bag Discount – Cars that have air bags or automatic seat belts can get savings up to 30%.
  • No Claims – Drivers with accident-free driving histories pay much less when compared with frequent claim filers.
  • Own a Home – Simply owning a home may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • 55 and Retired – Older drivers can possibly qualify for a small decrease in premiums for VUE insurance.
  • Early Switch Discount – Some insurance companies reward drivers for buying a policy before your current expiration date. It’s a savings of about 10%.
  • Student Driver Training – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
  • Multi-policy Discount – When you have multiple policies with the same insurance company you will save 10% to 20% off each policy.
  • Save with a New Car – Insuring a new car can save up to 30% due to better safety requirements for new cars.
  • Government Employees – Active or retired federal employment may qualify you for a discount for VUE insurance with select insurance companies.

It’s important to understand that most of the big mark downs will not be given to the entire policy premium. A few only apply to specific coverage prices like physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, companies don’t profit that way.

To see a list of providers offering car insurance discounts, click this link.

Tailor your coverage to you

When it comes to choosing coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions may help highlight if you could use an agent’s help.

  • What is the difference between comprehensive and collision coverage?
  • Is my 2004 Saturn VUE covered for smoke damage?
  • Should I buy additional glass protection?
  • Does coverage extend to my business vehicle?
  • Is my cargo covered for damage or theft?
  • When can I cancel my policy?
  • Am I insured when driving a different vehicle?
  • Can I rate high risk drivers on liability-only vehicles?
  • How can I get high-risk coverage after a DUI?
  • Can I afford to pay high deductible claims out of pocket?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Coverages available on your policy

Knowing the specifics of a auto insurance policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverages offered by auto insurance companies.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for surgery, chiropractic care, pain medications, nursing services and EMT expenses. They can be utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Comprehensive coverages – This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, fire damage and hail damage. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability – Liability insurance can cover damage that occurs to other’s property or people in an accident. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against things like attorney fees, legal defense fees, repair bills for other people’s vehicles, structural damage and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Collision coverages – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like damaging your car on a curb, colliding with a tree and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay 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 limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Be a money saver!

Budget-conscious 2004 Saturn VUE insurance can be bought from both online companies and with local insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

When shopping online for insurance, it’s a bad idea to skimp on critical coverages to save a buck or two. Too many times, an insured cut comprehensive coverage or liability limits only to find out that it was a big error on their part. The ultimate goal is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

We just covered many ideas to compare insurance prices online. The most important thing to understand is the more providers you compare, the better likelihood of reducing your rate. You may be surprised to find that the lowest rates come from an unexpected company. These companies may only write in your state and offer lower rates than their larger competitors like Progressive and GEICO.

Much more information about insurance can be read on the following sites: