2003 Saturn VUE Insurance Quotes – 6 Tips to Save

Did you come to the realization that you have overpriced car insurance? Don’t feel bad because many consumers are feeling buyer’s remorse and feel like there’s no way out.

Drivers have many car insurance companies to buy insurance from, and though it is a good thing to have a selection, more choices can make it harder to adequately compare rates.

Consumers need to quote other rates quite often because prices are rarely the same from one policy term to another. Even if you got the best price on VUE coverage a year ago there may be better deals available now. Forget all the misinformation about car insurance because you’re about to learn the fastest and easiest way to lower your annual insurance bill.

Shopping for the lowest cost coverage is not that difficult. Basically, anyone who is required by state law to have insurance should be able to lower their premiums. But consumers must understand the way companies price insurance differently and take advantage of how the system works.

How to shop insurance coverage online

Shopping for lower insurance coverage rates is a ton of work if you don’t understand the best way to get rate quotes. You can spend countless hours driving to agents in your area, or you could use online quotes to quickly compare rates.

The majority of car insurance companies belong to a marketplace where prospective buyers enter their policy data once, and at least one company can provide price quotes. This prevents consumers from doing form submissions to each individual insurance coverage company.

To submit your quote information now, click here (opens in new window).

One minor caviat to doing it this way is you can’t choose the companies to get pricing from. If you prefer to choose specific insurance companies to receive pricing from, we have assembled a list of the cheapest insurance coverage companies in your area. Click here to view list.

The method you choose is up to you, but be sure you’re using the exact same deductibles and coverage limits for each quote you get. If you use different coverage information it will be very difficult to determine the best price for your Saturn VUE. Slightly different insurance coverages could throw off the whole comparison. Keep in mind that comparing more quotes helps you find better pricing.

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Take these six policy discounts and save

Auto insurance is not inexpensive, but companies offer discounts that you may not even know about. Some discounts apply automatically when you purchase, but some discounts are required to be asked for prior to getting the savings.

• Smart Student Discounts – Excelling in school can earn a discount of 20% or more. Most companies allow this discount up until you turn 25.
• Payment Method – If you pay your entire premium ahead of time as opposed to paying monthly you can actually save on your bill.
• Resident Student – Youth drivers who are enrolled in higher education away from home and do not take a car to college may be insured at a cheaper rate.
• Bundle and Save – If you have multiple policies with the same company they may give you a discount of as much as 10 to 15 percent.
• Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of 20% or more.
• Claim-Free Discount – Drivers who stay claim-free pay much less compared to policyholders that have many claims.

One thing to note about discounts is that most credits do not apply to the entire cost. Most cut specific coverage prices like physical damage coverage or medical payments. So even though you would think you can get free auto insurance, it’s just not the way it works.

If you would like to choose from a list of providers with discount auto insurance rates, follow this link.

Which policy gives me the best coverage?

When choosing the best auto insurance coverage, there is no single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that could help you determine if you will benefit from professional help.

• How do I buy GAP insurance?
• Do I pay less if my vehicle is kept in my garage?
• Does my insurance cover my expensive audio equipment?
• Why am I required to get a high-risk car insurance policy?
• Do all my vehicles need collision coverage?
• Is my 2003 Saturn VUE covered for smoke damage?
• Should I rate my 2003 Saturn VUE as pleasure use or commute?
• Can I drive in Mexico and have coverage?
• Can I afford low physical damage deductibles?
• How much liability insurance is required?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Auto insurance coverage options for a Saturn VUE

Understanding the coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages found on the average auto insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Saturn VUE.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like prosthetic devices, surgery, funeral costs and doctor visits. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

This coverage pays for damage to your VUE from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as backing into a parked car, driving through your garage door, sideswiping another vehicle and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, fire damage, hitting a bird and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto liability insurance

This protects you from damages or injuries you inflict on other people or property in an accident. 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 limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as attorney fees, emergency aid, repair costs for stationary objects, structural damage and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

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Buy online or local, you save

As you go through the steps to switch your coverage, make sure you don’t buy less coverage just to save a little money. In too many instances, an accident victim reduced uninsured motorist or liability limits and found out when filing a claim they didn’t have enough coverage. Your strategy should be to buy a smart amount of coverage for the lowest cost.

Some companies may not have online rate quotes and usually these regional insurance providers only sell coverage through independent insurance agents. Lower-priced insurance coverage can be found on the web and with local insurance agents, so you need to compare both to have the best chance of lowering rates.

In this article, we covered a lot of techniques to compare 2003 Saturn VUE insurance prices online. The key concept to understand is the more rate quotes you have, the better likelihood of getting affordable insurance. You may even discover the lowest prices are with the smaller companies. These companies may often insure only within specific states and give getter rates compared to the large companies like Progressive or Geico.

Additional learning opportunities

• Event Data Recorders FAQ (iihs.org)
• Liability Insurance Coverage (Nationwide)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)
• Vehicle Insurance in the U.S. (Wikipedia)

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