2007 Saturn VUE Insurance Cost – 8 Ways to Save

Finding the lowest cost insurance coverage over the internet is somewhat difficult for beginners to online price comaprisons. With a ridiculous number of online companies, how can anyone possibly compare them all to find the lowest rates?

The purpose of this article is to let you in on how car insurance quotes work and some tricks to saving. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these tips. Although vehicle owners can benefit from knowing how companies compete online because it can help you find the best coverage.

Insurance Prices

When shopping for insurance there are multiple ways of comparing rates from insurance companies in your area. One of the best ways to find the lowest 2007 Saturn VUE rates is to get quotes online. It is quite easy and can be accomplished in a couple of different ways.

  1. The single most time-saving way to get quotes is to use a rate comparison form click to view form in new window. This easy form eliminates the need for separate quotation requests for each company. One quote request will get you rate comparisons direct from many companies.It’s the quickest way to get rates.
  2. A more difficult way to shop for insurance online requires a visit to the website of each company to complete a price quote. For instance, we’ll assume you want to compare rates from Progressive, Allstate and State Farm. To find out each rate you need to take the time to go to each site to input your insurance information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  3. The least recommended method to compare rates is driving to different agent offices. Buying insurance online makes this process obsolete unless you prefer the professional guidance only provided by licensed agents. It is possible to comparison shop online but still have the advice of a local agent and we’ll touch on that later.

It’s up to you how you get prices quotes, just be sure to compare the exact same coverage limits with every price quote. If each company quotes mixed coverages you will not be able to make an equal comparison. Slightly different insurance coverages may cause a big price difference. Just remember that getting more free quotes provides better odds of finding the best rates.

Discounts on Saturn VUE insurance

Car insurance can cost a lot, but you can get discounts that can drop the cost substantially. Certain discounts will be applied at the time you complete a quote, but a few must be specially asked for prior to receiving the credit.

  • Drive Less and Save – Keeping the miles down on your Saturn could be rewarded with discounted rates on garaged vehicles.
  • Distant Student – Kids in college who attend school more than 100 miles from home and do not have a car may be able to be covered for less.
  • Life Insurance Discount – Larger companies have a discount if you purchase a life insurance policy as well.
  • Defensive Driving Course – Successfully completing a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
  • 55 and Retired – Older drivers may receive reduced rates on VUE insurance.
  • Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
  • Drivers Education – Require your teen driver to complete a driver education course in school.
  • E-sign – A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.

It’s important to understand that some credits don’t apply to all coverage premiums. A few only apply to specific coverage prices like liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, insurance companies aren’t that generous. But any discount will help reduce the cost of coverage.

Companies that may have these money-saving discounts are:

It’s a good idea to ask each company which discounts they offer. Savings might not be offered everywhere.

Tailor your coverage to you

When choosing the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Every situation is different.

These are some specific questions can help discover whether or not you may require specific advice.

  • Does my 2007 Saturn VUE qualify for pleasure use?
  • How do I file an SR-22 for a DUI in my state?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I have coverage if my license is suspended?
  • Where can I find DUI or SR-22 insurance?
  • Is my custom paint covered by insurance?
  • Why does it cost so much to insure a teen driver?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, complete this form.

Car insurance coverage options for a 2007 Saturn VUE

Knowing the specifics of your policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive protection – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like fire damage, a broken windshield and hitting a deer. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured or underinsured coverage – This gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Saturn VUE.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Frequently these coverages are similar to your liability insurance amounts.

Medical expense coverage – Coverage for medical payments and/or PIP provide coverage for bills for doctor visits, ambulance fees, funeral costs, chiropractic care and dental work. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Collision coverage – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like driving through your garage door, sustaining damage from a pot hole, damaging your car on a curb, hitting a mailbox and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Liability car insurance – Liability coverage can cover damage that occurs to other’s property or people. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy 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 a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like bail bonds, attorney fees, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Have the Midas touch

Lower-priced 2007 Saturn VUE insurance can be sourced both online and with local insurance agents, and you should compare price quotes from both to have the best rate selection. There are still a few companies who do not offer online price quotes and many times these small insurance companies only sell through independent insurance agents.

Drivers switch companies for any number of reasons including extreme rates for teen drivers, high prices, being labeled a high risk driver or even denial of a claim. Whatever your reason, finding a new company is pretty easy and you might even save some money in the process.

Throughout this article, we presented a lot of ways to compare insurance prices online. The most important thing to understand is the more quotes you get, the higher your chance of finding lower rates. You may be surprised to find that the most savings is with a small mutual company.

Even more information can be found by following these links: