Discover How to Get Lower Rates on Saturn VUE Insurance

No normal person likes buying auto insurance, in particular when they could get a better deal. You have multiple car insurance companies to buy insurance from, and although it’s nice to have multiple companies, too many choices makes it more difficult to compare rates.

Lower-cost auto insurance rates with discounts

Some providers don’t always advertise every policy discount in an easy-to-find place, so the list below details a few of the more well known in addition to some of the lesser obvious credits that you can use to lower your rates.

• Student Driver Training – Require your teen driver to complete a driver education course in school.
• Distant Student – Any of your kids who are enrolled in higher education away from home and do not take a car to college may be able to be covered for less.
• Discounts for Good Drivers – Insureds without accidents can save as much as half off their rates on VUE coverage compared to accident prone drivers.
• New Car Discount – Buying a new car model can get you a discount due to better safety requirements for new vehicles.
• Active Service Discounts – Having a family member in the military could qualify you for better auto insurance rates.
• Professional Organizations – Affiliation with specific professional or occupational memberships or organizations could trigger savings on your bill.
• ABS and Traction Control Discounts – Cars, trucks, and SUVs that have anti-lock braking systems have fewer accidents and earn discounts up to 10%.
• Data Collection Discounts – Policyholders that allow data collection to spy on where and when they drive by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates as long as they are good drivers.
• Payment Discounts – By making one initial payment instead of monthly or quarterly installments you can avoid monthly service charges.
• Multi-car Discount – Having primary and secondary vehicles on one policy can reduce rates for all insured vehicles.

A little disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Most only reduce individual premiums such as physical damage coverage or medical payments. Despite the fact that it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

To choose auto insurance companies who offer cheap auto insurance quotes, click here.

Saturn VUE Insurance Prices Can Be Cheaper

Multiple criteria are part of the calculation when you quote your car insurance policy. Some of the criteria are obvious such as traffic violations, although some other factors are more transparent such as whether you are married or how safe your car is.

• Gender impacts costs – Over the last 30 years, statistics show that men are more aggressive behind the wheel. However, this does not mean females are better at driving than males. Both sexes are in at-fault accidents in similar numbers, but guys have accidents that have higher claims. Men also tend to get ticketed for serious violations like reckless driving and DUI. Young males tend to get in the most accidents so they pay the highest premiums.
• Your address can impact price – Having an address in less populated areas of the country has definite advantages when talking about auto insurance. Drivers in populated areas tend to have much more traffic and longer commutes to work. Less people living in that area translates into fewer accidents.
• Expect high rates for teens – Older, more experienced drivers tend to be more responsible, tend to cause fewer accidents and tend to be get fewer driving tickets.Young drivers are proven to be easily distracted when at the wheel of a vehicle so they pay higher auto insurance rates.
• Cheaper rates with safer cars – Vehicles with good safety scores tend to have lower insurance rates. Safer cars reduce injuries and reduced instances of injuries means your insurance company pays less and thus lower rates.

When to get professional advice

When it comes to buying proper insurance coverage, there isn’t really a one size fits all plan. Everyone’s needs are different so your insurance needs to address that. For instance, these questions may help you determine whether you may require specific advice.

• What happens if I owe more than my Saturn VUE is worth?
• Should I buy only the required minimum liability coverage?
• When should I not file a claim?
• Can I drive in Mexico and have coverage?
• Is my vehicle covered by my employer’s policy when using it for work?
• Does my policy cover me when driving someone else’s vehicle?
• What is the minimum liability in my state?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Insurance agents near you

A small number of people just prefer to get advice from a local agent and that can be a smart move A nice benefit of comparing rate quotes online is the fact that you can find the best rates and still have a local agent. And providing support for neighborhood insurance agencies is especially important .

After completing this short form, the coverage information is emailed to insurance agents who will give competitive quotes for your coverage. It simplifies rate comparisons since you won’t have to leave your house as quotes are delivered to you directly. You’ll get the best rates without requiring a lot of work. If you need to compare rates from a particular provider, don’t hesitate to visit that company’s website to submit a rate quote request.

Two different types of auto insurance agents

When narrowing the list to find a reliable agent, it’s helpful to know the different agency structures and how they are distinctly different. Auto insurance agents may be either captive or independent agents depending on their company appointments.

Independent Agencies or Brokers

Agents that elect to be independent are not restriced to one company so they can write business amongst many companies enabling the ability to shop coverage around. If they find a cheaper price, they simply move your policy to a different company and you stay with the same agent.

When shopping rates, we recommend you include rate quotes from at a minimum one independent agency to have the best price comparison.

Captive Insurance Agents

These type of agents can only write with one company and examples are Farmers Insurance and State Farm. These agents are unable to compare rates from other companies so keep that in mind. Captive agents are well schooled on what they offer and that enables them to sell even at higher rates.

To find insurance agencies near you, feel free to link to this directory of insurance agencies in your state.

Choosing a insurance agent is decision based upon more than just a low price. The answers to these questions are important, too.

• Are they actively involved in the community?
• Which companies do they recommend if they are an independent agency?
• Does the agent help file claims?
• How much will you save each year by using a higher deductible?
• Are there any extra charges for paying monthly?

Persistent drivers can save

While you’re price shopping online, you should never buy lower coverage limits just to save a few bucks. Too many times, an accident victim reduced liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy the best coverage you can find at the best price but still have enough coverage for asset protection.

We just showed you some good ideas how to compare Saturn VUE insurance car insurance rates online. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the lowest priced auto insurance comes from the smaller companies. They may cover specific market segments cheaper compared to the large companies like State Farm, GEICO and Nationwide.