2009 Saturn VUE Car Insurance Quotes – 10 Tips for Cheapest Rates

If you are new to online auto insurance, there’s a good chance you are baffled thanks to all the different types of online companies who all claim to have the lowest rates.

You need to take a look at other company’s rates occasionally because insurance prices are constantly changing. Even if you got the lowest price for VUE coverage last year there is a good chance you can find better rate quotes now. Ignore everything you know about auto insurance because we’re going to demonstrate the right way to get good coverage at a lower rate.

Buying car insurance is not that difficult. Basically, everyone who is shopping for auto insurance stands a good chance to be able to reduce their rates. But car owners do need to understand how big insurance companies sell online.

Cheaper insurance rates with discounts

Companies offering auto insurance do not list every available discount very clearly, so the list below details a few of the more common in addition to some of the lesser obvious credits available to lower your premiums when you buy insurance online.

• Accident Forgiveness Coverage – This one is not really a discount per se, but certain companies will allow you to have one accident before raising your premiums if you are claim-free for a specific time period.
• Discount for Passive Restraints – Factory air bags or motorized seat belts may earn rate discounts of 20 to 30 percent.
• Multiple Policy Discount – If you can combine your home and auto policy with one insurance company you could save approximately 10% to 15%.
• Organization Discounts – Joining a professional or civic organization is a good way to get lower rates on your next renewal.
• Discounts for Federal Employees – Active or retired federal employment could provide a small rate reduction for VUE coverage depending on your insurance provider.
• Online Discount – Some insurance companies will provide an incentive for buying a policy and signing up on your computer.
• ABS and Traction Control Discounts – Vehicles with ABS braking systems or traction control can reduce accidents and therefore earn up to a 10% discount.
• Driving Data Discount – Insureds that choose to allow their insurance company to look at driving habits by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if they show good driving skills.
• Active Military Service – Having a family member in the military may lower your rates slightly.
• Buy New and Save – Insuring a vehicle that is new can save you some money because new model year vehicles keep occupants safer.

You can save money using discounts, but many deductions do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, you aren’t that lucky.

Auto insurance companies that may include some of the discounts shown above include:

• Farm Bureau
• MetLife
• Progressive
• AAA
• American Family
• Geico
• State Farm

If you want the cheapest insurance quotes, ask all companies you are considering how you can save money. Some discounts listed above might not be offered in your state. To see a list of insurance companies with significant discounts, click this link.

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How to buy insurance coverage online

When shopping for affordable insurance quotes, there are a couple of ways to compare prices from many different insurance companies. The fastest way to compare rates is to get quotes online. This can be accomplished in several different ways.

1. The easiest and least time consuming way to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This type of form eliminates the need for separate quotation requests for each company. Filling out one form gets prices estimates from multiple companies. This is by far the quickest method.
2. A more difficult way to find lower rates requires a visit to the website of each company and repeat the quote process again and again. For example, let’s say you want rates from Progressive, Esurance and Travelers. You would need to go to every website and enter your information, and that’s why the first method is more popular.

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

You can use whichever method you prefer to find lower rates, just be sure to compare nearly identical coverage information on every price quote you get. If you have higher or lower deductibles it’s impossible to make a fair rate comparison. Just a small difference in limits can make a big difference in price. Keep in mind that obtaining a wide range of quotes will increase your chances of finding a lower rate. Some regional insurers cannot provide rate quotes online, so you need to compare rates from them, too.

Tailor your insurance coverage to you

When buying adequate coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions might point out whether or not you would benefit from professional advice.

• How much can I save by bundling my policies?
• Am I covered when driving on a suspended license?
• Should I bundle my homeowners policy with my auto?
• What vehicles should carry emergency assistance coverage?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Is borrowed equipment or tools covered if stolen or damaged?
• Why do I need rental car insurance?
• How can I force my company to pay a claim?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form.

Save $469 a year? Really?

Well-known car insurance companies like Progressive, Geico, Allstate and State Farm endlessly run ads on TV and radio. All the companies advertise claims that people will save if you switch your policy. It sounds good, but how can they all make almost identical claims? This is the way they can do it.

Insurance companies require specific criteria for the type of driver that earns them the highest profit. For example, this type of risk profile could possibly be between the ages of 30 and 50, has a clear driving record, and insures a new vehicle. Anyone that fits those parameters will get a cheap rate quote and therefore will save if they switch.

Potential customers who do not match these standards will probably have to pay higher premiums which results in the prospect going elsewhere. If you listen closely, the ads state “customers who switch” not “all people who quote” save the amount stated. That’s the way insurance companies can confidently make the claims of big savings. That is why you absolutely need to compare as many free insurance quotes as you can. Because you never know which company will have the lowest rates.

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Auto insurance coverage information

Having a good grasp of your car insurance policy can help you determine the right coverages and the correct deductibles and limits. Car insurance terms can be confusing and nobody wants to actually read their policy.

Comprehensive auto coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like a tree branch falling on your vehicle, a broken windshield, damage from a tornado or hurricane, damage from getting keyed and fire damage. The maximum payout your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverages

This coverage provides protection from damage that occurs to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers claims like attorney fees, pain and suffering, emergency aid and funeral expenses. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Collision coverage

Collision coverage covers damage to your VUE resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as backing into a parked car, hitting a mailbox and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Saturn VUE.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for surgery, EMT expenses, nursing services and pain medications. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

More effort can pay off

As you restructure your insurance plan, don’t be tempted to reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice full coverage only to discover later that the savings was not a smart move. The proper strategy is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Consumers change insurance companies for a variety of reasons including policy cancellation, unfair underwriting practices, denial of a claim and even questionable increases in premium. Regardless of your reason for switching companies, finding a new auto insurance company is easier than you think.

Cheaper 2009 Saturn VUE insurance can be sourced online and from local agencies, so get free insurance quotes from both of them in order to have the best chance of saving money. There are still a few companies who do not offer internet price quotes and most of the time these smaller providers sell through independent agents.

Additional articles

• Car Insurance FAQ (Trusted Choice)
• Help Your Teen Be a Better Driver (State Farm)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Insurance Losses by Make and Model (iihs.org)

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